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    <title>AusPay Calculator — Australian Wage &amp; Tax Intelligence Feed</title>
    <link>https://auspaycalculator.org/</link>
    <description>Authoritative Australian take-home pay updates, Stage 3 tax cuts, 12% superannuation, and certified enterprise agreements.</description>
    <language>en-AU</language>
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    <!-- Item 01: Flagship Take-Home Pay & Stage 3 Overview -->
    <item>
      <title>Australian Pay Calculator 2025–2026: Stage 3 Tax Cuts &amp; Take-Home Pay Engine</title>
      <link>https://auspaycalculator.org/take-home-pay-calculator</link>
      <guid isPermaLink="true">https://auspaycalculator.org/take-home-pay-calculator</guid>
      <pubDate>Tue, 01 Jul 2025 00:00:00 +1000</pubDate>
      <dc:creator>AusPay Editorial Board</dc:creator>
      <description>Calculate exact net take-home salary, PAYG withholding, and Medicare levy under 2025–2026 Stage 3 revised rates.</description>
      <media:content url="https://auspaycalculator.org/images/visuals/australian-pay-calculator-hero.jpg" medium="image" type="image/jpeg" width="1200" height="675">
        <media:title>Australian Take-Home Pay &amp; Tax Dashboard</media:title>
        <media:credit>AusPay Calculator Research</media:credit>
        <media:copyright>© 2026 AusPay Calculator</media:copyright>
      </media:content>
    </item>

    <!-- Item 02: Gross-to-Net Flowchart -->
    <item>
      <title>Statutory Gross-to-Net Salary Withholding Pipeline Explained</title>
      <link>https://auspaycalculator.org/</link>
      <guid isPermaLink="true">https://auspaycalculator.org/#gross-to-net-flow</guid>
      <pubDate>Mon, 18 Aug 2025 09:00:00 +1000</pubDate>
      <dc:creator>AusPay Economics Team</dc:creator>
      <description>Step-by-step breakdown of how PAYG withholding tax, 2% Medicare levy, and salary sacrifice affect employee net pay.</description>
      <media:content url="https://auspaycalculator.org/images/visuals/gross-to-net-flowchart.jpg" medium="image" type="image/jpeg" width="1200" height="675">
        <media:title>Gross to Net Salary Flowchart</media:title>
        <media:credit>AusPay Calculator Research</media:credit>
        <media:copyright>© 2026 AusPay Calculator</media:copyright>
      </media:content>
    </item>

    <!-- Item 03: Superannuation Guarantee 12% vs 15.4% APS -->
    <item>
      <title>Superannuation Guarantee 12.0% vs 15.4% Public Service Super Benchmark</title>
      <link>https://auspaycalculator.org/guides/superannuation-guarantee</link>
      <guid isPermaLink="true">https://auspaycalculator.org/guides/superannuation-guarantee</guid>
      <pubDate>Tue, 01 Jul 2025 00:00:00 +1000</pubDate>
      <dc:creator>AusPay Superannuation Specialist</dc:creator>
      <description>Comparing the private sector statutory 12.0% superannuation guarantee against the federal public service 15.4% contribution model.</description>
      <media:content url="https://auspaycalculator.org/images/visuals/superannuation-compare.jpg" medium="image" type="image/jpeg" width="1200" height="675">
        <media:title>Superannuation Guarantee Comparison Diagram</media:title>
        <media:credit>AusPay Calculator Research</media:credit>
        <media:copyright>© 2026 AusPay Calculator</media:copyright>
      </media:content>
    </item>

    <!-- Item 04: Stage 3 Tax Rates & Marginal Step Architecture -->
    <item>
      <title>2025–2026 Stage 3 Tax Brackets &amp; Marginal Rate Thresholds</title>
      <link>https://auspaycalculator.org/tax-rates/2025-26</link>
      <guid isPermaLink="true">https://auspaycalculator.org/tax-rates/2025-26</guid>
      <pubDate>Tue, 01 Jul 2025 00:00:00 +1000</pubDate>
      <dc:creator>AusPay Tax Policy Analyst</dc:creator>
      <description>Official ATO individual resident tax rates: 16%, 30%, 37%, and 45% marginal tax brackets and annual savings distribution.</description>
      <media:content url="https://auspaycalculator.org/images/visuals/stage-3-distribution.jpg" medium="image" type="image/jpeg" width="1200" height="675">
        <media:title>Stage 3 Tax Relief Distribution Curve</media:title>
        <media:credit>AusPay Calculator Research</media:credit>
        <media:copyright>© 2026 AusPay Calculator</media:copyright>
      </media:content>
    </item>

    <!-- Item 05: Federal APS Classification Hierarchy & Scales -->
    <item>
      <title>Federal APS Salary Scales 2024–2027: APS 1 to SES Classification Matrix</title>
      <link>https://auspaycalculator.org/public-service-salaries/aps</link>
      <guid isPermaLink="true">https://auspaycalculator.org/public-service-salaries/aps</guid>
      <pubDate>Sat, 01 Mar 2025 00:00:00 +1000</pubDate>
      <dc:creator>AusPay Public Sector Desk</dc:creator>
      <description>APSC Common Conditions Enterprise Agreement salary points, annual step increments, and 15.4% superannuation for Commonwealth officers.</description>
      <media:content url="https://auspaycalculator.org/images/visuals/aps-hierarchy-tree.jpg" medium="image" type="image/jpeg" width="1200" height="675">
        <media:title>APS Classification Hierarchy Tree</media:title>
        <media:credit>AusPay Calculator Research</media:credit>
        <media:copyright>© 2026 AusPay Calculator</media:copyright>
      </media:content>
    </item>

    <!-- Item 06: NSW Public Health Nursing Scales & Shift Multipliers -->
    <item>
      <title>NSW Registered Nurse Pay Rates 2025–2026: Shift Penalties &amp; Salary Packaging</title>
      <link>https://auspaycalculator.org/nursing-salaries/nsw</link>
      <guid isPermaLink="true">https://auspaycalculator.org/nursing-salaries/nsw</guid>
      <pubDate>Wed, 01 Oct 2025 00:00:00 +1000</pubDate>
      <dc:creator>AusPay Healthcare Analyst</dc:creator>
      <description>NSW Public Health System RN 1–8 pay increments, 24-hour shift clock penalty multipliers, and $11,660 PBI salary packaging limits.</description>
      <media:content url="https://auspaycalculator.org/images/visuals/nurse-shift-clock.jpg" medium="image" type="image/jpeg" width="1200" height="675">
        <media:title>Nurse Shift Penalty Multiplier Clock</media:title>
        <media:credit>AusPay Calculator Research</media:credit>
        <media:copyright>© 2026 AusPay Calculator</media:copyright>
      </media:content>
    </item>

    <!-- Item 07: NSW Teacher Salary Steps & Accreditation -->
    <item>
      <title>NSW Public School Teacher Salary Scales: Graduate Band 1 to Lead Teacher</title>
      <link>https://auspaycalculator.org/teacher-salaries/nsw</link>
      <guid isPermaLink="true">https://auspaycalculator.org/teacher-salaries/nsw</guid>
      <pubDate>Mon, 01 Dec 2025 00:00:00 +1000</pubDate>
      <dc:creator>AusPay Education Desk</dc:creator>
      <description>NSW Teachers Award salary progression ladder from Graduate Teacher to Proficient Teacher and Highly Accomplished Lead Teacher (HALT).</description>
      <media:content url="https://auspaycalculator.org/images/visuals/teacher-salary-steps.jpg" medium="image" type="image/jpeg" width="1200" height="675">
        <media:title>Teacher Salary Steps Ladder</media:title>
        <media:credit>AusPay Calculator Research</media:credit>
        <media:copyright>© 2026 AusPay Calculator</media:copyright>
      </media:content>
    </item>

    <!-- Item 08: Royal Australian Navy & ADF Remuneration -->
    <item>
      <title>ADF Tri-Service Remuneration: Military Pay, Service Allowance &amp; 16.4% Super</title>
      <link>https://auspaycalculator.org/adf-pay/navy</link>
      <guid isPermaLink="true">https://auspaycalculator.org/adf-pay/navy</guid>
      <pubDate>Fri, 01 Aug 2025 00:00:00 +1000</pubDate>
      <dc:creator>AusPay Defence Economics</dc:creator>
      <description>DFRT military salary rates for Navy, Army, and Air Force ranks with statutory $15,482 Service Allowance and 16.4% ADF Superannuation.</description>
      <media:content url="https://auspaycalculator.org/images/visuals/adf-military-package.jpg" medium="image" type="image/jpeg" width="1200" height="675">
        <media:title>ADF Military Remuneration Stack</media:title>
        <media:credit>AusPay Calculator Research</media:credit>
        <media:copyright>© 2026 AusPay Calculator</media:copyright>
      </media:content>
    </item>

    <!-- Item 09: Modern Awards & SCHADS Casual Loading -->
    <item>
      <title>SCHADS Modern Award Pay Rates: 25% Casual Loading &amp; Overtime Multipliers</title>
      <link>https://auspaycalculator.org/awards/schads</link>
      <guid isPermaLink="true">https://auspaycalculator.org/awards/schads</guid>
      <pubDate>Tue, 01 Jul 2025 00:00:00 +1000</pubDate>
      <dc:creator>AusPay Industrial Relations Team</dc:creator>
      <description>Fair Work SCHADS award pay rates across Level 1 to Level 8 classifications, 1.5x/2.0x overtime multipliers, and sleepover allowances.</description>
      <media:content url="https://auspaycalculator.org/images/visuals/award-casual-overtime.jpg" medium="image" type="image/jpeg" width="1200" height="675">
        <media:title>Modern Award Remuneration Logic Flowchart</media:title>
        <media:credit>AusPay Calculator Research</media:credit>
        <media:copyright>© 2026 AusPay Calculator</media:copyright>
      </media:content>
    </item>

    <!-- Item 10: Long Service Leave Statutory Timelines -->
    <item>
      <title>National Long Service Leave Accrual &amp; State Vesting Timelines</title>
      <link>https://auspaycalculator.org/long-service-leave-calculator</link>
      <guid isPermaLink="true">https://auspaycalculator.org/long-service-leave-calculator</guid>
      <pubDate>Tue, 01 Jul 2025 00:00:00 +1000</pubDate>
      <dc:creator>AusPay Employment Law Desk</dc:creator>
      <description>State-by-state long service leave vesting schedules, comparing Victorian 7-year pro-rata rights against NSW, QLD, and national 10-year benchmarks.</description>
      <media:content url="https://auspaycalculator.org/images/visuals/long-service-timeline.jpg" medium="image" type="image/jpeg" width="1200" height="675">
        <media:title>Long Service Leave Accrual Milestones</media:title>
        <media:credit>AusPay Calculator Research</media:credit>
        <media:copyright>© 2026 AusPay Calculator</media:copyright>
      </media:content>
    </item>

    <!-- Item 11: 2025–2026 HECS-HELP Reform -->
    <item>
      <title>HECS-HELP Repayment Reform: $67,000 Threshold &amp; CPI/WPI Indexation Cap</title>
      <link>https://auspaycalculator.org/guides/hecs-help-repayment</link>
      <guid isPermaLink="true">https://auspaycalculator.org/guides/hecs-help-repayment</guid>
      <pubDate>Tue, 01 Jul 2025 00:00:00 +1000</pubDate>
      <dc:creator>AusPay Student Debt Desk</dc:creator>
      <description>Understanding the new $67,000 marginal student loan repayment threshold and legislated retroactive indexation credit relief.</description>
      <media:content url="https://auspaycalculator.org/images/visuals/hecs-help-tiers.jpg" medium="image" type="image/jpeg" width="1200" height="675">
        <media:title>HECS-HELP Reform Repayment Tiers</media:title>
        <media:credit>AusPay Calculator Research</media:credit>
        <media:copyright>© 2026 AusPay Calculator</media:copyright>
      </media:content>
    </item>

    <!-- Item 12: Statutory Redundancy Tax-Free Severance Shield -->
    <item>
      <title>Redundancy Payout Calculator &amp; ATO Statutory Tax-Free Shield</title>
      <link>https://auspaycalculator.org/redundancy-payout-calculator</link>
      <guid isPermaLink="true">https://auspaycalculator.org/redundancy-payout-calculator</guid>
      <pubDate>Tue, 01 Jul 2025 00:00:00 +1000</pubDate>
      <dc:creator>AusPay Employment Law Desk</dc:creator>
      <description>Calculating the genuine redundancy tax-free formula: $12,524 base + $6,264 per completed service year and ETP tax concessions.</description>
      <media:content url="https://auspaycalculator.org/images/visuals/redundancy-tax-shield.jpg" medium="image" type="image/jpeg" width="1200" height="675">
        <media:title>Statutory Redundancy Tax Shield Formula</media:title>
        <media:credit>AusPay Calculator Research</media:credit>
        <media:copyright>© 2026 AusPay Calculator</media:copyright>
      </media:content>
    </item>
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