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  <!-- ============================================ -->
  <!-- Core Static Pages (11)                      -->
  <!-- ============================================ -->

  <!-- Homepage -->
  <url>
    <loc>https://calculent.com/</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.00</priority>
  </url>

  <!-- About & Contact -->
  <url>
    <loc>https://calculent.com/pages/about.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.50</priority>
  </url>
  <url>
    <loc>https://calculent.com/pages/contact.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.50</priority>
  </url>

  <!-- HTML Sitemap -->
  <url>
    <loc>https://calculent.com/pages/sitemap.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.50</priority>
  </url>

  <!-- Policy Pages -->
  <url>
    <loc>https://calculent.com/pages/privacy.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.30</priority>
  </url>
  <url>
    <loc>https://calculent.com/pages/terms.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.30</priority>
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  <url>
    <loc>https://calculent.com/pages/disclaimer.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.30</priority>
  </url>
  <url>
    <loc>https://calculent.com/pages/cookie.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.30</priority>
  </url>
  <!-- ADDED: Previously missing policy pages -->
  <url>
    <loc>https://calculent.com/pages/accuracy-policy.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.30</priority>
  </url>
  <url>
    <loc>https://calculent.com/pages/editorial-policy.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.30</priority>
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  <url>
    <loc>https://calculent.com/pages/verification-policy.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.30</priority>
  </url>

  <!-- ============================================ -->
  <!-- Finance Tools (38)                          -->
  <!-- ============================================ -->

  <!-- High Priority: Core Finance Calculators -->
  <url>
    <loc>https://calculent.com/tools/finance/emi-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.90</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/sip-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.90</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/income-tax-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.90</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/home-loan-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.90</priority>
  </url>

  <!-- Priority 0.85: Key Loan & Investment Calculators -->
  <url>
    <loc>https://calculent.com/tools/finance/gst-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/loan-eligibility-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/car-loan-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/personal-loan-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/mutual-fund-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/compound-interest-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/lumpsum-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/step-up-sip-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/xirr-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Priority 0.80: Supporting Finance Calculators -->
  <url>
    <loc>https://calculent.com/tools/finance/fd-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/rd-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/cagr-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/roi-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/credit-card-emi-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/ppf-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/epf-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/simple-interest-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/salary-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/inflation-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/business-loan-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/break-even-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>

  <!-- Priority 0.75: Auxiliary Finance Tools -->
  <url>
    <loc>https://calculent.com/tools/finance/margin-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/discount-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- Priority 0.85: Comparison Tools (New) -->
  <url>
    <loc>https://calculent.com/tools/finance/rent-vs-buy-calculator.html</loc>
    <lastmod>2026-06-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/loan-vs-cash-calculator.html</loc>
    <lastmod>2026-06-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/fixed-vs-floating-calculator.html</loc>
    <lastmod>2026-06-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/sip-vs-fd-calculator.html</loc>
    <lastmod>2026-06-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Priority 0.80: Goal & Planning Tools (New) -->
  <url>
    <loc>https://calculent.com/tools/finance/fire-calculator.html</loc>
    <lastmod>2026-06-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/retirement-planner.html</loc>
    <lastmod>2026-06-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/goal-sip-planner.html</loc>
    <lastmod>2026-06-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/child-education-planner.html</loc>
    <lastmod>2026-06-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/net-worth-tracker.html</loc>
    <lastmod>2026-06-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/financial-freedom-calculator.html</loc>
    <lastmod>2026-06-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/finance/savings-goal-calculator.html</loc>
    <lastmod>2026-06-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>

  <!-- ============================================ -->
  <!-- Business & Productivity Tools (13)          -->
  <!-- ============================================ -->

  <!-- Priority 0.85: High-Value Business Tools -->
  <url>
    <loc>https://calculent.com/tools/business/invoice-generator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/business/gst-invoice-generator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/business/currency-converter.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Priority 0.80: Core Business Tools -->
  <url>
    <loc>https://calculent.com/tools/business/percentage-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/business/unit-converter.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/business/qr-code-generator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/business/adsense-revenue-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/business/youtube-earnings-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/business/construction-cost-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>

  <!-- Priority 0.75: Productivity Tools -->
  <url>
    <loc>https://calculent.com/tools/business/profit-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/business/date-difference-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/business/barcode-generator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- Priority 0.70 -->
  <url>
    <loc>https://calculent.com/tools/business/time-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.70</priority>
  </url>

  <!-- ============================================ -->
  <!-- Developer Tools (10)                        -->
  <!-- ============================================ -->

  <!-- Priority 0.80: High-Usage Dev Tools -->
  <url>
    <loc>https://calculent.com/tools/developer/json-formatter.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/developer/timestamp-converter.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>

  <!-- Priority 0.75: Developer Utilities -->
  <url>
    <loc>https://calculent.com/tools/developer/base64-encoder-decoder.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/developer/regex-tester.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/developer/jwt-decoder.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/developer/url-encoder-decoder.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/developer/html-minifier.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/developer/css-minifier.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/developer/js-minifier.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/developer/sql-formatter.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- ============================================ -->
  <!-- Utility & Health Tools (10)                 -->
  <!-- ============================================ -->

  <!-- Priority 0.80: Popular Utility Tools -->
  <url>
    <loc>https://calculent.com/tools/utility/age-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/utility/bmi-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/utility/electricity-bill-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/utility/power-consumption-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/utility/water-intake-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/utility/tdee-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/utility/solar-panel-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>

  <!-- Priority 0.75: Health Calculators -->
  <url>
    <loc>https://calculent.com/tools/utility/bmr-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/utility/calorie-calculator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://calculent.com/tools/utility/password-generator.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.75</priority>
  </url>

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