What changes between formal and informal
Greeting: 'Dear...' (formal) vs 'Hi...' (informal).
Closing: 'Kind regards' / 'Yours sincerely' (formal) vs 'Cheers' / 'Take care' (informal).
Vocabulary: 'commence' (formal) vs 'start' (informal). 'Inquire' vs 'ask'. 'Apologise' vs 'sorry'. 'Purchase' vs 'buy'. 'Reside' vs 'live'.
Contractions: NO contractions in formal writing. 'I am' instead of 'I'm'. 'Cannot' instead of 'can't'.
Sentence length: longer, more complex in formal. Shorter, punchier in informal.
Phrasal verbs and idioms: SAVE for informal. Formal writing prefers Latin-rooted single verbs.