🧳 Pre-trip
How much money do I need to start out in Australia?

How much money do I need to start out in Australia?

There's no magic number, but there is a sensible floor: have $3,000–$5,000 AUD available to cover accommodation, food and transport while you land your first paycheck. The bigger the city, the bigger the cushion you need.

A $3,000–$5,000 AUD cushion for the first month
Why do I need so much money if I'll be working as soon as I arrive?

Because your first paycheck takes a while: between finding a job, working your first pay cycle, and actually getting paid, it's usually 3–5 weeks. During that time you still have to cover accommodation (sometimes with a week or more of bond upfront), food, and getting around the city to job-hunt.

How much does the first month cost by city?

A private room in a share house runs $170–$420 a week depending on the city (pricier in Sydney, cheaper in Adelaide). Add $120–$200/month for groceries and $70–$140/month for transport.

Should I bring cash or a card?

Neither one fully. Bring some AUD cash for the first few days and the rest on a multi-currency card or transferred into an Australian bank account you opened before travelling. Avoid exchanging large sums at the airport.

Is health cover (OSHC/OVHC) paid separately from this budget?

Yes. If you're coming on a student or temporary work visa, private health cover is a mandatory, separate expense — don't count it as part of your daily-living cushion.

Related guides
Open your bank account before you travelCost of living by city (2025–2026)What is a TFN and how do I get one?

General information, not personalised migration advice. Always verify on the official Australian government websites. · Updated: Agosto 2026