Stay safe and legal

Make money without getting burned

The rules on working as a teen, which apps you can use at what age, how scams aimed at teens work, and what to do if something goes wrong. Rules shown are for: ; change country in the top bar. Read it once now and come back when anything feels off.

Golden rules

Eight rules that prevent nearly every disaster

None of these slow a good business down. They only get in the way of people trying to use you.

  1. A parent knows where you are

    Before any job in someone's home or car, an adult you trust has the address, the customer's name and the time you will be back.

  2. Meet in public or on your street

    Hand over items you sold in a busy place or at your own door with an adult nearby. Never go into a stranger's house alone for a sale.

  3. Never pay to get work

    Real jobs and real brand deals pay you. Anyone asking for a "starter fee", "training kit" or "registration" first is selling to you, not hiring you.

  4. Never share logins or bank details

    No genuine customer needs your passwords, one-time codes, card PIN or online banking login. Ever.

  5. Never move money for someone else

    Receiving money and sending it on, even "just this once" for a friend, can make you part of a crime. See money mules below.

  6. Get it in writing

    Price, job, date and how you get paid, written in a message or the simple agreement on the Toolkit page. Memories disagree, texts do not.

  7. Trust the weird feeling

    If someone pushes you to hurry, keep a secret or move to a private app, stop and show an adult. Good customers can wait a day.

  8. Keep school first

    The law limits your hours for a reason. A side hustle that wrecks your exams is a bad trade.

Work law for young people

What the law says about your age and hours

These rules cover being employed by someone else, like a café or store job. Running your own small business (self-employment) is treated differently, but the same limits are a sensible guide for school weeks. Rules change, so check the official site.

Rules for · change country in the top bar

Federal rule (FLSA)Ages 14–15Ages 16–17
Youngest age for most non-farm jobs14
School day3 hrsNo federal limit
School week18 hrsNo federal limit
Non-school day8 hrsNo federal limit
Non-school week40 hrsNo federal limit
Times of day7am–7pm (9pm from June 1 to Labor Day)No federal limit
Hazardous jobsBanned until 18 (driving for work, power tools, roofing and more)
Read the rules at YouthRules (dol.gov)
  • States can be stricter. Many require a work permit or "working papers," often issued through your school. Where state and federal law differ, the stricter rule applies.
  • Exempt from the age minimum: babysitting, yard work and chores around a private home, delivering newspapers, acting and performing, and working for your parent's business (non-hazardous).
  • Under-20s can be paid a lower "youth minimum wage" for the first 90 days in some cases; most states set their own minimum wage.
Running your own thing

Self-employed gigs like lawn mowing, pet sitting or video editing are usually outside the hours rules. You still need a parent for contracts, bank accounts and most platforms, and tax rules still apply.

Rules for · change country in the top bar

In Canada, employment standards are set by each province and territory, so the rules depend on where you live. Most places let you work at 14 with limits during school, and some allow younger teens to do "light work" with a parent's consent or a permit.

  • Ontario: 14 for most jobs such as stores and offices; 15 for restaurant kitchens and some other workplaces; 16 for factories; no work during school hours unless you have left school.
  • British Columbia: 14–15 can do many jobs with a parent's written consent; under 14 generally needs a government permit; strict limits on hours on school days.
  • Alberta: 13–14 can do listed "light work" with limits; 15 and over have fewer restrictions, with limits on hours during school.
  • Other provinces and territories: similar ideas with different ages and hours. Search "[your province] employment standards young workers".
Start at canada.ca
Varies by province

Check your own province's employment standards site before taking a job. Employers must follow the stricter of the rules that apply to them.

Running your own thing

Self-employed work like snow shoveling, tutoring or reselling is not covered by employment hours rules, but you still need a parent for contracts, bank accounts and most platforms, and tax rules still apply.

Rules for · change country in the top bar

Rule (England, typical)Ages 13–14Ages 15–16
Youngest age for most part-time jobs13 (some exceptions like acting and modeling with a license)
Term time, per week12 hrs12 hrs
School days2 hrs2 hrs
Saturdays5 hrs8 hrs
Sundays2 hrs2 hrs
School holidays, per week25 hrs35 hrs
Times of dayNot before 7am or after 7pm
Breaks1 hour after 4 hours of work; 2 weeks off work in the school holidays each year
Read the rules on gov.uk
  • Your employer usually needs a work permit from your local council before you start. Some councils add their own rules.
  • Under-16s are not entitled to the National Minimum Wage. Once you are over school leaving age (the last Friday in June of the school year you turn 16), the under-18 rate applies. Check gov.uk for the current rate.
  • Scotland, Wales and Northern Ireland have similar rules with small differences.
Running your own thing

Self-employed teens are not covered by the employment hours rules, but you still need a parent's agreement for contracts, bank accounts and most platforms, and tax rules still apply.

Rules for · change country in the top bar

In Australia, child employment rules are set by each state and territory, so they vary a lot. National workplace rights (pay rates, awards) come from the Fair Work system.

  • Victoria: employers generally need a child employment licence to hire under-15s, with limits on hours during school terms and holidays.
  • New South Wales: no general minimum working age, but there are rules for some industries and protections for children's safety and schooling.
  • Queensland: generally 13 and over for most jobs (younger for some, like family businesses and delivery), with limits on hours during school weeks.
  • Other states and territories: each has its own rules. Search "[your state] child employment".
Pay and rights at fairwork.gov.au
Varies by state

Junior pay rates usually apply to under-21s under awards. Check Fair Work for your award's rates and your state's child employment rules before you start.

Running your own thing

Self-employed work like mowing, tutoring or reselling is not covered by employment hours rules, but you still need a parent for contracts, bank accounts and most platforms, and tax rules still apply.

Platform ages

Which apps you can use, and when you can get paid

Signing up and getting paid have different age limits. Most platforms let 13-year-olds post, but payouts usually need 18 or a parent's account.

PlatformUse itGet paidUnder 18, what to do
TikTok13+18+ LIVE gifts and Creator RewardsGrow an audience now; brand deals go through a parent who signs and receives payment.
YouTube13+18+ for Partner Program, or a parent's AdSenseA parent or guardian can link their AdSense account to your channel.
Instagram13+Mostly 18+ for monetization toolsTeen accounts are private by default. Use it as a portfolio and contact point.
Twitch13+18+ for Affiliate payouts (or meet the age of majority)Stream for practice; payouts need an adult account holder.
RobloxAll agesDevEx rules cashing Robux needs age, verification and a minimum balanceRead the current Developer Exchange terms with a parent before you build expecting cash.
Etsy18+18+13–17 can sell through a parent's account under their supervision.
eBay18+18+Sell through a parent's account.
Vinted (UK and Europe)18+18+Sell through a parent's account.
Facebook MarketplaceAdultsCash or parentLet a parent list and handle messages; meet buyers in public with an adult.
DepopCheck termsCheck termsRead the current terms for your country; payouts typically need an adult account.
PayPal / Stripe / Square / Shopify18+18+Use a parent-run account or a teen card a parent controls.
Fiverr / Upwork18+18+Find clients directly (local businesses, creators you know) instead.

In the US, Canada, the UK and Australia alike, selling marketplaces and payment apps need an adult account holder. Some apps use the "age of majority," which is 19 in some Canadian provinces. Rules change often, so check each platform's own terms before you rely on this table.

Scam radar

Twelve scams aimed at teenagers

Scammers target young people because they are online a lot, keen to earn, and less likely to tell an adult. Knowing the pattern is most of the defense.

If something goes wrong

Who to tell, and what to do first

You will not be in trouble for asking for help. The people below deal with this every day.

Rules for · change country in the top bar

988 Suicide & Crisis Lifeline

Free, confidential support any time for anyone in distress, including feeling overwhelmed by threats or money trouble.

Call or text 988988lifeline.org

NCMEC CyberTipline

Report sextortion and online exploitation. They also run Take It Down for removing images of under-18s.

report.cybertip.org

Childhelp

National child abuse hotline. Counselors answer 24/7.

1-800-422-4453

FTC

Report scams, fake jobs and fraud to the Federal Trade Commission. Also tell your bank straight away.

reportfraud.ftc.gov

Kids Help Phone

Free, confidential, 24/7 support for young people, by phone or text.

1-800-668-6868 · text 686868kidshelpphone.ca

Cybertip.ca

Canada's tipline for reporting online sexual exploitation of children, including sextortion. Can help remove images.

cybertip.ca

Canadian Anti-Fraud Centre

Report scams and fraud. Also tell your bank straight away.

1-888-495-8501antifraudcentre-centreantifraude.ca

Childline

Free, confidential, any problem, any time. Under 19s.

0800 1111childline.org.uk

CEOP

Report online sexual abuse, grooming or blackmail to the police's child protection team.

ceop.police.uk

Report Remove

Childline and the Internet Watch Foundation can help remove nude images of under-18s from the internet.

Report Remove on Childline

Action Fraud

Report scams and fraud to the national reporting center. Also tell your bank straight away.

actionfraud.police.uk

Kids Helpline

Free, private counseling for young people aged 5 to 25, any time, by phone or online chat.

1800 55 1800

eSafety Commissioner

Report serious online abuse, image-based abuse and sextortion, and get help removing content.

esafety.gov.au

ACCCE

The Australian Centre to Counter Child Exploitation takes reports of online child sexual exploitation.

accce.gov.au

Scamwatch

Report scams and check current scam alerts. Also tell your bank straight away.

scamwatch.gov.au
If someone is threatening you

Stop replying. Do not pay. Screenshot the messages and the account name. Block and report the account. Tell an adult you trust, and contact the reporting service for your country listed above. Paying almost never makes it stop, and it is not your fault.

Interactive check

Is this a scam?

Got a job offer, brand deal or "opportunity" in your DMs? Tick everything that is true about it.

    Risk levelLow

    Food, products and insurance

    Selling things people eat, light or give to children

    Rules exist because these can hurt someone. Following them also makes you look more professional than most adult sellers.

    Rules for · change country in the top bar

    Food and baking

    Most states have "cottage food" laws that let you sell some home-baked, non-perishable foods (like cookies and bread) directly to customers, often with a label and sometimes a permit or registration. Rules, sales limits and allowed foods differ by state and city.

    Search "[your state] cottage food law" and check your city or county health department.

    Food and baking

    Selling home-made food is regulated by your province and often your local public health unit. Many allow low-risk baked goods at farmers' markets or events, sometimes with a permit and food handler training.

    Contact your local public health unit before you sell.

    Food and baking

    Anyone selling food regularly should register with their local council at least 28 days before starting. It is free. Get a basic food hygiene course (around Level 2) and keep your kitchen clean and separate from pets.

    Food and baking

    Food businesses, including home-based ones, usually need to notify or register with their local council, and must follow the Food Standards Code. Some states have specific rules for home kitchens and market stalls.

    Check with your local council before you sell.

    Allergens

    Know the major allergens where you live (including peanuts, tree nuts, milk, eggs, wheat, soy, sesame, fish and shellfish) and label every product that contains them. One wrong label can put someone in hospital.

    Ask your local food authority for its allergen list and label rules.

    Candles, wax melts and soap

    Fragrance oils can be hazardous. Many countries require warning labels on scented products (for example CLP labels in the UK and EU). Soaps and bath products may count as cosmetics with their own rules.

    Get your supplier's safety data sheet for every oil.

    Toys and kids' products

    Anything made for young children must meet toy safety rules, which can mean testing and certification (for example CPSC rules in the US, UKCA or CE marks in the UK). Small parts, magnets and loose buttons are the big risks. Most teen makers avoid selling items as toys.

    Label decor as "Not suitable for children under 3" only if that is true.

    Liability insurance

    Covers you if you damage property or someone gets hurt because of your work: a car scratched while detailing, a dog that escapes. Worth thinking about once you work in people's homes or at events. Ask a parent whether their home insurance covers any of it.

    Events and markets often require it.

    Copyright and brands

    Do not sell stickers, prints or clothes with logos, characters or song lyrics you do not own. Platforms remove them and brands can send legal letters. Make your own designs.

    Fan art is a gray area, so selling it is risky.
    Tax basics

    You probably owe nothing yet. Keep records anyway.

    Rules for · change country in the top bar

    • If your net self-employment earnings are $400 or more in a year, you must file a federal tax return and may owe self-employment tax (about 15.3% for Social Security and Medicare), even if your parents claim you as a dependent.
    • Wages from a job are taxed differently; you may not owe income tax if you earn under the standard deduction, but filing can get withheld tax back.
    • Earned income lets you open a custodial Roth IRA, one of the best places for teen savings. See the Money page.
    • Keep a record of every payment in and every cost, with receipts. The tracker on the Toolkit page does this.

    Thresholds change and states have their own taxes. Check irs.gov for current figures.

    • There is no minimum age to file a tax return in Canada. Most teens earn less than the basic personal amount (around C$16,000; check the current figure) and owe no income tax.
    • File anyway. A return builds RRSP contribution room for later, and from 19 it qualifies you for the GST/HST credit.
    • From 18, self-employed people pay CPP contributions on net self-employment income above C$3,500.
    • Keep a record of every payment in and every cost, with receipts. The tracker on the Toolkit page does this.

    Thresholds change. Check canada.ca for current figures.

    • Trading allowance: the first £1,000 a year of income from self-employment is tax free, and you do not need to tell HMRC. That is income before costs.
    • Over £1,000: register for Self Assessment by 5 October after the end of the tax year (which runs 6 April to 5 April) and file a tax return.
    • Personal allowance: you can earn £12,570 a year in total before Income Tax. National Insurance rules for the self-employed are separate.
    • Keep a record of every payment in and every cost, with receipts. The tracker on the Toolkit page does this.

    Thresholds change. Check gov.uk for current figures.

    • The tax-free threshold is A$18,200 a year. Income a minor earns from work or their own business is taxed at normal adult rates, so most teens owe nothing.
    • Running a business as a sole trader means getting an ABN. Under-18s can get one if they are genuinely carrying on a business.
    • If you're employed, your employer only has to pay super for under-18s who work more than 30 hours a week.
    • Keep a record of every payment in and every cost, with receipts. The tracker on the Toolkit page does this.

    Thresholds change. Check ato.gov.au for current figures.

    Simple habit

    Every time you get paid, move 20% into a separate pot. If you never need it for tax, it becomes savings or new equipment. Either way you are never caught short.

    Costs you can track
    • Materials and stock
    • Equipment (a pressure washer, a ring light)
    • Platform and payment fees
    • Printing flyers
    • Travel to jobs
    For parents and guardians

    How to back a teen founder without taking over

    Your teen does the work and makes the decisions. You keep them safe and handle the parts the law reserves for adults.

    Be the account holder

    Most payment and selling platforms need an adult. Open the account in your name, set clear rules about access, and pass earnings on promptly so the business feels like theirs.

    Set up a teen card

    A parent-controlled teen card or account lets customers pay your teen directly and lets you see what comes in and goes out. Examples in the US include Greenlight and Step.Examples in Canada include Mydoh.Examples in the UK include GoHenry and Rooster Money.Examples in Australia include Spriggy. See the Toolkit page.

    Agree safety rules

    Where they can work, how late, who they can meet, and when they check in. Write it down together, once, instead of arguing it out job by job.

    Co-sign, do not co-run

    Sign agreements and approve big purchases. Let them price, pitch, and occasionally fail. Losing £20 on a bad batch of stock at 15 is cheap tuition.

    Watch for red flags

    Sudden secrecy about an online "job", new money they cannot explain, a new phone or gifts, or requests to use your bank account. These are common signs of money mule or grooming approaches.

    Help them invest the profit

    A custodial Roth IRAAn RESP now, and a TFSA once they reach the age of majority,A Junior ISAA long-term investment account in your name for them turns a summer of mowing into decades of compounding. See the Money page.

    Conversation starters
    • What would you want to be paid for, if you could pick anything?
    • Who do you think would actually pay for that, and how much?
    • What's one thing you'd want my help with, and one thing you'd rather do yourself?
    • If someone online offered you a job, how would you check it was real?
    • What would you do with your first £100: spend, save, invest, or a mix?
    • How many hours a week can you give it without your schoolwork slipping?