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    <title>My Runway blog</title>
    <link>https://myrunway.com.au/blog</link>
    <description>How Australia’s tax, super, property and pension rules work, in plain language.</description>
    <language>en-AU</language>
    <item>
      <title>First home buyer stamp duty in each state, 2026–27</title>
      <link>https://myrunway.com.au/blog/first-home-buyer-stamp-duty-by-state</link>
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      <pubDate>Mon, 12 Oct 2026 00:00:00 GMT</pubDate>
      <description>Stamp duty for a first home buyer in each state and territory in 2026–27: the exemptions, the price limits, and the duty on a $600,000 and a $750,000 home.</description>
    </item>
    <item>
      <title>Land tax in each state and territory, 2026–27</title>
      <link>https://myrunway.com.au/blog/land-tax-by-state</link>
      <guid isPermaLink="true">https://myrunway.com.au/blog/land-tax-by-state</guid>
      <pubDate>Mon, 12 Oct 2026 00:00:00 GMT</pubDate>
      <description>Who pays land tax, when it is assessed, and each state’s threshold and rates for individuals in 2026–27, with the tax on $800,000 and $1.2 million of land.</description>
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    <item>
      <title>Deeming rates for the Age Pension, 2026–27</title>
      <link>https://myrunway.com.au/blog/deeming-rates</link>
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      <pubDate>Mon, 12 Oct 2026 00:00:00 GMT</pubDate>
      <description>How deeming turns savings, shares and super into income for the Age Pension income test, the 2026–27 rates and thresholds, and a worked example.</description>
    </item>
    <item>
      <title>Transfer balance cap and minimum pension drawdowns, 2026–27</title>
      <link>https://myrunway.com.au/blog/transfer-balance-cap-and-minimum-drawdowns</link>
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      <pubDate>Mon, 12 Oct 2026 00:00:00 GMT</pubDate>
      <description>Turning super into a retirement income: when you can, the $2.1 million transfer balance cap for 2026–27, and the minimum you have to draw each year by age.</description>
    </item>
    <item>
      <title>How the Age Pension income and assets tests work</title>
      <link>https://myrunway.com.au/blog/age-pension-income-and-assets-tests</link>
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      <pubDate>Thu, 08 Oct 2026 00:00:00 GMT</pubDate>
      <description>The Age Pension is paid under two means tests and the lower result applies. How the income test, the assets test and deeming work, and how couples are assessed.</description>
    </item>
    <item>
      <title>Upfront costs of buying a home in Australia, beyond the deposit</title>
      <link>https://myrunway.com.au/blog/upfront-costs-of-buying-a-home-australia</link>
      <guid isPermaLink="true">https://myrunway.com.au/blog/upfront-costs-of-buying-a-home-australia</guid>
      <pubDate>Mon, 05 Oct 2026 00:00:00 GMT</pubDate>
      <description>Stamp duty, registration fees, lenders mortgage insurance and the rest: what a purchase costs on settlement day, and why it differs by state.</description>
    </item>
    <item>
      <title>Super contribution caps for 2026–27, explained</title>
      <link>https://myrunway.com.au/blog/super-contribution-caps</link>
      <guid isPermaLink="true">https://myrunway.com.au/blog/super-contribution-caps</guid>
      <pubDate>Wed, 30 Sep 2026 00:00:00 GMT</pubDate>
      <description>The concessional and non-concessional caps for 2026–27, carry-forward, the bring-forward rule, Division 293 and the new Division 296, in plain language.</description>
    </item>
    <item>
      <title>CGT in Australia: how the 50% discount works, and the 2027 changes</title>
      <link>https://myrunway.com.au/blog/capital-gains-tax-discount</link>
      <guid isPermaLink="true">https://myrunway.com.au/blog/capital-gains-tax-discount</guid>
      <pubDate>Fri, 25 Sep 2026 00:00:00 GMT</pubDate>
      <description>How a capital gain is worked out, when the 50% discount applies, how losses count, and what the Tax Reform Act 2026 changes from 1 July 2027.</description>
    </item>
    <item>
      <title>What is a financial runway? Work out the year you can afford it</title>
      <link>https://myrunway.com.au/blog/what-is-a-financial-runway</link>
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      <pubDate>Tue, 22 Sep 2026 00:00:00 GMT</pubDate>
      <description>A financial runway is how long your money carries you, and how far you are from the next big step. What goes into working it out, year by year.</description>
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