<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://pay-calculator.au</loc>
    <lastmod>2026-07-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/home.svg</image:loc>
      <image:caption>Annual take-home after income tax and the 2% Medicare levy. Super of 12% is paid on top. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/income-tax-calculator</loc>
    <lastmod>2026-07-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/income-tax-calculator.svg</image:loc>
      <image:caption>A resident on $90,000 keeps $70,680 after $17,520 income tax and $1,800 Medicare levy (2026-27). Super of 12% is paid on top. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/fortnightly-pay-calculator</loc>
    <lastmod>2026-07-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/fortnightly-pay-calculator.svg</image:loc>
      <image:caption>Fortnightly take-home, the default Australian pay cycle (26 pays a year). Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/hecs-help-repayment-calculator</loc>
    <lastmod>2026-07-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/hecs-help-repayment-calculator.svg</image:loc>
      <image:caption>The 2026-27 marginal system: you repay a share of income above the $69,528 threshold. Source: ATO.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/medicare-levy-calculator</loc>
    <lastmod>2026-07-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/medicare-levy-calculator.svg</image:loc>
      <image:caption>The 2% Medicare levy above the low-income threshold, with a phase-in just above it. Source: ATO.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/superannuation-calculator</loc>
    <lastmod>2026-07-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/superannuation-calculator.svg</image:loc>
      <image:caption>The 12% super guarantee is paid on top of your salary, into your fund. Rate from 1 July 2025. Source: ATO.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/hourly-pay-calculator</loc>
    <lastmod>2026-07-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/hourly-pay-calculator.svg</image:loc>
      <image:caption>A resident on $70,000 keeps $57,080 after $11,520 income tax and $1,400 Medicare levy (2026-27). Super of 12% is paid on top. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/hourly-to-salary-calculator</loc>
    <lastmod>2026-07-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/hourly-to-salary-calculator.svg</image:loc>
      <image:caption>Annualised on a 38-hour week over 52 weeks, before tax. Enter your own rate and hours above.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/weekly-pay-calculator</loc>
    <lastmod>2026-07-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/weekly-pay-calculator.svg</image:loc>
      <image:caption>Weekly take-home after income tax and the 2% Medicare levy. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/monthly-pay-calculator</loc>
    <lastmod>2026-07-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/monthly-pay-calculator.svg</image:loc>
      <image:caption>Monthly take-home after income tax and the 2% Medicare levy. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/annual-salary-calculator</loc>
    <lastmod>2026-07-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/annual-salary-calculator.svg</image:loc>
      <image:caption>Take-home after income tax and the 2% Medicare levy. Super of 12% is paid on top. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/payg-withholding-calculator</loc>
    <lastmod>2026-07-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/payg-withholding-calculator.svg</image:loc>
      <image:caption>A resident on $90,000 keeps $70,680 after $17,520 income tax and $1,800 Medicare levy (2026-27). Super of 12% is paid on top. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/tax-refund-calculator</loc>
    <lastmod>2026-07-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/tax-refund-calculator.svg</image:loc>
      <image:caption>A resident on $90,000 keeps $70,680 after $17,520 income tax and $1,800 Medicare levy (2026-27). Super of 12% is paid on top. A refund arrives if more than this was withheld across the year. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/gross-to-net-calculator</loc>
    <lastmod>2026-07-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/gross-to-net-calculator.svg</image:loc>
      <image:caption>A resident on $90,000 keeps $70,680 after $17,520 income tax and $1,800 Medicare levy (2026-27). Super of 12% is paid on top. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/net-to-gross-calculator</loc>
    <lastmod>2026-07-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/net-to-gross-calculator.svg</image:loc>
      <image:caption>Work back from a target take-home to the gross salary you need. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/salary-sacrifice-calculator</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/salary-sacrifice-calculator.svg</image:loc>
      <image:caption>Taxed at your 32% marginal rate as cash, $15,000 nets $10,200; sacrificed to super it is taxed at 15%, so $12,750 lands in your fund. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/super-vs-take-home</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/super-vs-take-home.svg</image:loc>
      <image:caption>At a 32% marginal rate, $1,000 as cash nets $680; into super it is taxed at 15%, leaving $850. Super is preserved until retirement. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/medicare-levy-surcharge-calculator</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/medicare-levy-surcharge-calculator.svg</image:loc>
      <image:caption>A resident on $120,000 keeps $91,080 after $26,520 income tax and $2,400 Medicare levy (2026-27). Super of 12% is paid on top. Without private hospital cover, a $120,000 earner also pays the Medicare Levy Surcharge on top. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/overtime-calculator</loc>
    <lastmod>2026-07-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/overtime-calculator.svg</image:loc>
      <image:caption>Overtime is commonly paid at 1.5x for the first hours and 2x after that, set by your award or agreement. Source: Fair Work.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/casual-loading-calculator</loc>
    <lastmod>2026-07-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/casual-loading-calculator.svg</image:loc>
      <image:caption>The 25% casual loading is paid instead of paid leave. On a $30.00 base rate that is $37.50 an hour. Source: Fair Work.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/pay-rise-calculator</loc>
    <lastmod>2026-07-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/pay-rise-calculator.svg</image:loc>
      <image:caption>Of a $10,000 rise you keep $6,800 in take-home; the rest goes to income tax and the 2% Medicare levy. A pay rise never leaves you worse off. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/bonus-tax-calculator</loc>
    <lastmod>2026-07-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/bonus-tax-calculator.svg</image:loc>
      <image:caption>A bonus is taxed at your marginal rate plus the 2% Medicare levy (32% on $90,000), so $10,000 nets $6,800. Payday withholding may take more, squared up at tax time. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/leave-calculator</loc>
    <lastmod>2026-07-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/leave-calculator.svg</image:loc>
      <image:caption>A resident on $90,000 keeps $70,680 after $17,520 income tax and $1,800 Medicare levy (2026-27). Super of 12% is paid on top. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/final-pay-calculator</loc>
    <lastmod>2026-07-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/final-pay-calculator.svg</image:loc>
      <image:caption>A resident on $90,000 keeps $70,680 after $17,520 income tax and $1,800 Medicare levy (2026-27). Super of 12% is paid on top. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/redundancy-pay-calculator</loc>
    <lastmod>2026-07-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/redundancy-pay-calculator.svg</image:loc>
      <image:caption>A resident on $90,000 keeps $70,680 after $17,520 income tax and $1,800 Medicare levy (2026-27). Super of 12% is paid on top. Genuine redundancy pay has a separate tax-free limit. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/backpay-calculator</loc>
    <lastmod>2026-07-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/backpay-calculator.svg</image:loc>
      <image:caption>A resident on $90,000 keeps $70,680 after $17,520 income tax and $1,800 Medicare levy (2026-27). Super of 12% is paid on top. Back pay is added to income and taxed at your marginal rate. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/second-job-tax-calculator</loc>
    <lastmod>2026-07-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/second-job-tax-calculator.svg</image:loc>
      <image:caption>A resident on $90,000 keeps $70,680 after $17,520 income tax and $1,800 Medicare levy (2026-27). Super of 12% is paid on top. A second job has no tax-free threshold, so it is taxed at your marginal rate. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/employment-type-calculator</loc>
    <lastmod>2026-07-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/employment-type-calculator.svg</image:loc>
      <image:caption>A resident on $70,000 keeps $57,080 after $11,520 income tax and $1,400 Medicare levy (2026-27). Super of 12% is paid on top. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/working-holiday-maker-tax-calculator</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/working-holiday-maker-tax-calculator.svg</image:loc>
      <image:caption>417 and 462 visa holders are taxed at 15% from the first dollar up to $45,000. Source: ATO.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/non-resident-tax-calculator</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/non-resident-tax-calculator.svg</image:loc>
      <image:caption>Foreign residents pay 30c from the first dollar, with no tax-free threshold and no Medicare levy. Source: ATO.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides</loc>
    <lastmod>2026-07-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/how-income-tax-works-australia</loc>
    <lastmod>2026-07-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/tax-brackets-2026-27</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/tax-free-threshold</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/marginal-vs-average-tax-rate</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/what-is-payg-withholding</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/how-to-read-a-payslip</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/why-net-pay-differs-from-gross</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/superannuation-guarantee-explained</loc>
    <lastmod>2026-07-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/salary-sacrifice-super-explained</loc>
    <lastmod>2026-07-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/how-hecs-help-repayments-work</loc>
    <lastmod>2026-07-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/help-repayment-thresholds-2026-27</loc>
    <lastmod>2026-07-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/medicare-levy-explained</loc>
    <lastmod>2026-07-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/medicare-levy-surcharge-explained</loc>
    <lastmod>2026-07-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/salary-packaging-explained</loc>
    <lastmod>2026-07-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/novated-lease-explained</loc>
    <lastmod>2026-07-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/casual-loading-explained</loc>
    <lastmod>2026-07-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/overtime-and-penalty-rates</loc>
    <lastmod>2026-07-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/minimum-wage-australia</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/annual-leave-entitlements</loc>
    <lastmod>2026-07-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/resident-vs-non-resident-tax</loc>
    <lastmod>2026-07-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/is-there-state-income-tax-in-australia</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/about</loc>
    <lastmod>2026-07-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/author/marcus-kelleher</loc>
    <lastmod>2026-07-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/methodology</loc>
    <lastmod>2026-07-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/official-sources</loc>
    <lastmod>2026-07-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/editorial-policy</loc>
    <lastmod>2026-07-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/contact</loc>
    <lastmod>2026-07-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/privacy</loc>
    <lastmod>2026-07-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/terms</loc>
    <lastmod>2026-07-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/sitemap</loc>
    <lastmod>2026-07-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/salary-calculator</loc>
    <lastmod>2026-07-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/salary-calculator.svg</image:loc>
      <image:caption>A resident on $100,000 keeps $77,480 after $20,520 income tax and $2,000 Medicare levy (2026-27). Super of 12% is paid on top. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/salary-packaging-calculator</loc>
    <lastmod>2026-07-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/salary-packaging-calculator.svg</image:loc>
      <image:caption>Packaging pre-tax (super or FBT-exempt benefits) is taxed at 15%, not your 32% marginal rate. Non-exempt benefits attract FBT, which can cancel the saving. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/take-home-pay</loc>
    <lastmod>2026-07-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/take-home-pay.svg</image:loc>
      <image:caption>Real take-home for Australian jobs after income tax and the 2% Medicare levy. Source: ATO 2026-27 scale, LITO and the 2% Medicare levy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/take-home-pay/nurse</loc>
    <lastmod>2026-07-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/take-home-pay-nurse.svg</image:loc>
      <image:caption>Take-home after income tax and the 2% Medicare levy. Award floors from the Nurses Award 2020 (MA000034); public-hospital nurses are often on higher state agreements. Sources: Fair Work, ABS/JSA.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/data/average-salary-australia</loc>
    <lastmod>2026-07-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
      <image:image>
      <image:loc>https://pay-calculator.au/images/charts/average-salary-australia-breakdown.svg</image:loc>
      <image:caption>Income tax and the 2% Medicare levy take $24,650, leaving $82,007. Employer super of 12% is on top. Sources: ATO 2026-27 scale, ABS AWOTE Nov 2025.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://pay-calculator.au/images/charts/average-salary-australia-vs-median.svg</image:loc>
      <image:caption>The mean sits above the median because a long tail of high earners pulls it up. Sources: ABS Average Weekly Earnings (Nov 2025), Employee earnings (Aug 2025).</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://pay-calculator.au/guides/when-is-tax-return-due</loc>
    <lastmod>2026-07-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/news</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/news/july-2026-changes</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/news/income-tax-cut-2026</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/news/minimum-wage-2026</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/news/payday-super-2026</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/news/hecs-indexation-2026</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://pay-calculator.au/news/super-contribution-caps-2026-27</loc>
    <lastmod>2026-07-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
</urlset>
