Fact sheet

Tinea and Fungal Nails

A common fungal infection of skin, scalp or nails: athlete’s foot, jock itch, ringworm. Creams clear most skin tinea. Nails are the slow, stubborn cousin.

The tinea ladder

Steps 1–2 sort most skin tinea. Scalp and nail infections usually need tablets, and it pays to test a nail before months of treatment.

  1. Step 1 · Self-careKeep it dry and stop the spreadDry between toes and skin folds, change socks and underwear daily, thongs in shared showers, don’t share towels.
    Works
    Helps creams work and stops it coming back; no trials on its own
    Cost
    Free
    How long
    Ongoing, especially after treatment ends
    Watch for
    Pets can spread ringworm: patches of missing fur mean a trip to the vet.

    Fungus loves a warm, damp sock. Evict it.

  2. Step 2 · PharmacyAntifungal cream (terbinafine, clotrimazole, miconazole)For athlete’s foot, jock itch and ringworm on the body.
    Works
    Cut the chance of treatment failing by about two-thirds vs a dummy cream; terbinafine-type creams cure slightly more than the others
    Cost
    About $8–20 a tube
    How long
    Terbinafine: 1–2 weeks. Clotrimazole or miconazole: 2–4 weeks, and keep going after the skin looks normal.
    Watch for
    Stopping as soon as it looks better is the classic reason it comes back.

    The rash leaves before the fungus does. Finish the course.

  3. Step 3 · PharmacyAntifungal nail lacquer or solutionPainted on, for mild nail infection near the tip.
    Works
    Modest: in trials, about 1 in 15 to 1 in 6 got a fully clear nail, vs up to 1 in 20 on a dummy treatment
    Cost
    About $30–60 a bottle
    How long
    6–12 months, until a healthy nail grows out
    Watch for
    Best for only part of one or two nails. File and trim first.

    Patience is the active ingredient.

  4. Step 4 · PrescriptionAntifungal tablets (terbinafine)For nail or scalp tinea, or widespread skin infection that creams haven’t fixed.
    Works
    Nails: about half cured after about a year, vs 6 in 100 on a dummy tablet; works better than the alternative tablets
    Cost
    Generic tablets usually cost under the $25 PBS co-payment
    How long
    Fingernails: about 6 weeks. Toenails: about 12 weeks. Nails take up to a year to look normal.
    Watch for
    Upset stomach, headache, rash, taste changes; rare liver problems, so your GP may check bloods. A nail test first is wise, as many thick nails aren’t fungal.

    Toenails grow at glacier pace. The tablets finish long before the nail looks fixed.

  5. Step 5 · SpecialistDermatologist or podiatristFor unclear rashes, repeated nail treatment failure, or painful thick nails.
    Works
    No trials of referral itself; helps with diagnosis and nail care
    Cost
    Specialist fees vary; Medicare rebates with a GP referral. Podiatrist fees vary.
    How long
    As needed
    Watch for
    People with diabetes should have regular foot checks.

    Sometimes the ‘fungus’ is psoriasis or an old injury. A second opinion earns its fee.

Costs are rough Australian prices in November 2026 and vary by pharmacy and provider. PBS co-payment: $25, or $7.70 with a concession card. Results are typical figures from trials, not promises.

Save your money

Popular, heavily marketed or often asked about, but the evidence is weak or says no.

What you can do

See your GP if

See a doctor the same day if your foot or leg becomes hot, red, swollen and painful, or you feel unwell or feverish: this can be a skin infection (cellulitis) getting in through cracked skin. Redness can be harder to see on brown or black skin. For a fast-spreading infection or feeling very unwell, call 000 (Australia) or your local emergency number. From a mobile, 112 works in most countries.

Common questions

What does tinea look like?

Itchy, peeling or cracked skin between the toes; a red or darker, scaly ring with a clearer centre on the body; an itchy, scaly rash in the groin; itchy patches with hair loss on the scalp; or thick, discoloured, crumbly nails.

How do you catch it?

From shared showers, changing rooms, towels and shoes, from other people, and sometimes from pets or soil. Sweaty feet and tight shoes raise the risk.

How is it diagnosed?

Usually by its look. If it’s unclear, or before tablets for nails, your GP may send skin scrapings or nail clippings to the lab. Results can take a few weeks.

Should my child stay home from school?

Not usually for body ringworm once treatment has started. Scalp ringworm needs a GP visit for tablets, and the family may need checking too.

Helpful resources

Evidence and more information

Reviewed 1 November 2026. General education, not personal medical advice. Treatment depends on your situation, so talk to your GP or pharmacist.