What it really costs to set up as an independent support worker
A realistic breakdown of what it costs to start as an independent NDIS support worker: ABN, screening, First Aid, insurance, equipment and what's tax-deductible.
The good news: the barrier to entry is low
ABN — free to register
NDIS Worker Screening Check
First Aid and CPR certificates
Insurance — don't skip this one
Equipment, PPE and consumables
Phone, software and admin tools
Bookkeeping, tax and getting advice
A realistic starter budget
Which startup costs are tax-deductible?
Frequently asked questions
How much does it cost to become an independent support worker?
There's no single figure, but it's low. Your ABN is free, and the main real costs are the NDIS Worker Screening Check, First Aid and CPR training, and insurance. Add consumables like PPE and your phone. Many workers start for a modest one-off outlay plus ongoing insurance and supplies. Price each item in your own…
Do I have to pay for an ABN?
No. Applying for an ABN through the Australian Business Register (abr.gov.au) is completely free. Avoid third-party sites that charge a fee to register one for you — they're doing something you can do yourself at no cost on the official government site.
Is insurance really necessary to start?
In practice, yes. Most independents carry public liability and professional indemnity insurance, and many participants, plan managers and support coordinators ask to see your certificate before booking you. It protects both you and the participant, and it's usually a modest annual premium. It's the one startup cost you…
What equipment do I need to buy myself?
Very little. The essentials are PPE (gloves and masks), hand sanitiser and basic hygiene supplies, plus practical clothing and shoes you likely already own. Specialised equipment like hoists or mobility aids belongs to the participant and is funded through their plan — you don't buy those yourself.
Which startup costs can I claim on tax?
Most legitimate business costs are generally deductible: your screening check, First Aid and CPR training, insurance, PPE, work-related phone and data, and software. Keep every receipt, record the business purpose, and only claim the work-related portion of shared items. Confirm what applies to you with an accountant…
Do I need an accountant before I start?
Not to start, but a one-off early session often pays for itself by getting your records and tax set-aside right from day one. A common rule of thumb is to put aside roughly 25–30% of income for tax as you earn — confirm the right figure for your situation with an accountant.