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Guides for workers on the move

Earnings, taxes and Working Holiday Visa days — explained simply, by people who’ve done the shifts.

Working Holiday Visa

How to Apply for Your Second or Third Working Holiday Visa in Australia: A Step-by-Step Guide

A clear, section-by-section walkthrough of the second- and third-year Working Holiday visa application (subclass 417 and 462) — how many specified-work days each one needs, what to have ready, exactly what to enter in each part of the ImmiAccount form, what it costs and what happens after you submit.

June 22, 2026 8 min
Working Holiday Visa

How to Track Your 88 Days for the Australian Working Holiday Visa

A clear guide to the 88-day specified work rule for the Australian Working Holiday Visa (subclass 417 and 462) — how visa days are actually counted, what work qualifies, which regions count, and how to track your progress.

June 14, 2026 7 min
Working Holiday Visa

How Visa Days Are Calculated: the 88-day weekly hours formula

The Working Holiday Visa 88-day count is calculated from your weekly hours, not the days you worked. Here is the exact formula, worked examples week by week, and how many weeks it really takes to reach 88 days.

June 15, 2026 8 min
Shift work

Best Apps for Casual Workers in 2026

Most "best scheduling app" lists are written for bosses. Here is an honest comparison from the worker's side — what a casual, multi-job worker actually needs to track shifts and real pay in 2026.

June 15, 2026 7 min
Tax & refunds

Working Holiday Maker Tax in Australia (and How to Get a Refund)

How working holiday makers are taxed in Australia, why so many backpackers overpay, and a worked example of the refund you can claim back — plus your superannuation (DASP).

June 15, 2026 8 min
Delivery & gig

Is Delivery Driving Worth It? How to Calculate Your Real Hourly Rate

The app says $25/hour, but that is not what you keep. Here is the simple formula to work out your real delivery hourly rate after fuel and dead time — with a worked Friday-night example.

June 15, 2026 7 min
Working Holiday Visa

Specified Work & Eligible Postcodes for Your Second-Year Visa (417 & 462)

Not all work counts toward your 88 days, and the wrong postcode means zero progress — and the rules are different for the 417 and the 462. Here is what qualifies, where it counts for each visa, and how to check a job before you take it.

June 15, 2026 10 min
Working Holiday Visa

Evidence You Need for Your Second-Year Visa (Payslips & Form 1263)

Your 88 days only count if you can prove them. Here is the full evidence checklist — payslips, Form 1263, bank records — and how to avoid the cash-in-hand trap that sinks applications.

June 15, 2026 6 min
Working Holiday Visa

6 Mistakes That Ruin Your Second-Year Working Holiday Visa

Most second-year visa problems come down to a handful of avoidable mistakes — from miscounting days to losing evidence. Here are the six biggest, with a real example of each.

June 15, 2026 7 min
Earnings

How to Calculate Your Pay: hourly, overtime & penalty rates

Your pay is more than hours × rate once nights, weekends and overtime come in. Here is how to calculate what you should actually earn, with a worked example of a full mixed week.

June 15, 2026 7 min
Earnings

Understanding Your Australian Payslip, Line by Line

Gross, tax, super, net — your Australian payslip has more going on than the final number. Here is what every line means, including the 12% super rate, with an annotated example.

June 15, 2026 6 min
Tax & refunds

Tax for Delivery & Gig Workers in Australia: ABN, GST & Deductions

Delivery and gig work means you are a contractor — with an ABN, your own tax to set aside, and deductions to claim. Here is how it works, with a worked example of a rider’s return.

June 15, 2026 7 min
Tax & refunds

Mileage Deductions for Delivery Riders (AU, UK, US & Canada)

Every kilometre you drive for delivery can lower your tax. Here are the official cents-per-km rates for Australia, the UK, the US and Canada, with a worked example of what 200 km a week is worth.

June 15, 2026 6 min
Delivery & gig

How to Track Delivery Earnings Across Uber Eats, DoorDash & Menulog

Running multiple delivery apps splits your money across three dashboards and none of them show your real total. Here is exactly what to track, a real multi-app week broken down day by day, and the numbers that reveal which app is actually worth your time.

June 15, 2026 9 min
Shift work

How to Track Your Work Shifts (and Why Spreadsheets Fail)

Tracking your own shifts is the simplest way to catch underpayment and know your real earnings. Here is what to record, why spreadsheets break, and a real example of an error they hide.

June 15, 2026 6 min
Working Holiday Visa

Working Holiday Visa in New Zealand: countries, quotas and the 3-month extension

New Zealand's Working Holiday Visa works differently from Australia's 88-day rule — and your exact rules depend on your passport. Check your country's age limit, length and annual cap, then see who can extend and what it costs.

June 15, 2026 10 min
Working Holiday Visa

Working Holiday in Canada (IEC): how the program really works

Canada's working holiday runs through International Experience Canada (IEC) — a pool-based system with three categories. Here is how the categories and the random selection work in 2026.

June 15, 2026 6 min
Tax & refunds

UK & Ireland Income Tax for Working Holiday Workers

Working in the UK or Ireland on a youth-mobility or working-holiday scheme? Here are the income tax bands, how Irish tax credits work, and worked examples of what you would actually pay.

June 15, 2026 7 min
Tax & refunds

New Zealand Tax for Backpackers: IRD rates, the IETC and refunds

How income tax works for working holidaymakers in New Zealand — the IRD tax brackets (no tax-free threshold), the Independent Earner Tax Credit, ACC levy, and how to claim a refund.

June 15, 2026 6 min
Earnings

Penalty Rates in Australia: weekends, nights & public holidays

Penalty rates can add 50–150% to your pay for weekends, nights and public holidays — and they are often underpaid. Here is how they work, with a worked Sunday-plus-holiday example.

June 15, 2026 6 min
Earnings

Casual vs Part-Time vs Full-Time: what you really earn

Casual loading, leave, security — the type of employment you take changes what you actually earn and keep. Here is a side-by-side comparison of the same role under each arrangement.

June 15, 2026 6 min
Earnings

Am I Being Underpaid? How to check your real hourly rate

Wage underpayment is widespread, especially for casual and migrant workers. Here are the warning signs, how to check your correct rate, and a worked example of spotting an underpayment.

June 15, 2026 6 min
Delivery & gig

Best Vehicle for Delivery: bike vs e-bike vs motorbike vs car

The vehicle you deliver on decides your costs, your range and your real hourly rate. Here is an honest cost-per-km comparison and when each one actually pays off.

June 15, 2026 6 min
Delivery & gig

Tax Deductions Every Delivery Rider Should Claim

As a delivery contractor, the right deductions can save you hundreds at tax time. Here is the full checklist with example amounts, and a worked total for a typical rider.

June 15, 2026 6 min
Shift work

Budgeting on an Irregular Income: a practical method

When your pay changes every week, normal budgeting breaks. Here is the "average low" method that works for casual, shift and gig workers, with a worked three-month example.

June 15, 2026 6 min
Shift work

How Orary Calculates Your Earnings Automatically

Set your rates once and Orary turns every shift into accurate earnings — base pay, penalty rates, breaks and totals — without a single formula. Here is how it works.

June 15, 2026 5 min
Shift work

Orary vs a Spreadsheet for Tracking Shifts

Spreadsheets are free and familiar, but they break in ways that cost you money and time. Here is an honest side-by-side of tracking your shifts in a spreadsheet vs in Orary.

June 15, 2026 5 min
Shift work

Exporting Your Shift & Earnings Data for Tax Time

Tax time is painless when your records are already in order. Here is why clean shift and earnings data matters and how to export a tidy PDF or Excel report from Orary.

June 15, 2026 5 min