<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Homepage -->
  <url>
    <loc>https://financecalculatorshub.com/</loc>
    <priority>1.00</priority>
    <changefreq>daily</changefreq>
  </url>

  <!-- Calculators -->
  <url>
    <loc>https://financecalculatorshub.com/calculators/emi.html</loc>
    <priority>0.95</priority>
    <changefreq>weekly</changefreq>
  </url>

  <url>
    <loc>https://financecalculatorshub.com/calculators/sip.html</loc>
    <priority>0.95</priority>
    <changefreq>weekly</changefreq>
  </url>

  <url>
    <loc>https://financecalculatorshub.com/calculators/lumpsum.html</loc>
    <priority>0.95</priority>
    <changefreq>weekly</changefreq>
  </url>

  <url>
    <loc>https://financecalculatorshub.com/calculators/swp.html</loc>
    <priority>0.95</priority>
    <changefreq>weekly</changefreq>
  </url>

  <url>
    <loc>https://financecalculatorshub.com/calculators/fd.html</loc>
    <priority>0.95</priority>
    <changefreq>weekly</changefreq>
  </url>

  <url>
    <loc>https://financecalculatorshub.com/calculators/rd.html</loc>
    <priority>0.95</priority>
    <changefreq>weekly</changefreq>
  </url>

  <url>
    <loc>https://financecalculatorshub.com/calculators/cd.html</loc>
    <priority>0.95</priority>
    <changefreq>weekly</changefreq>
  </url>

  <!-- NEW: Mortgage Calculator -->
  <url>
    <loc>https://financecalculatorshub.com/calculators/mortgage.html</loc>
    <priority>0.95</priority>
    <changefreq>weekly</changefreq>
  </url>

  <!-- BLOG INDEX PAGE -->
  <url>
    <loc>https://financecalculatorshub.com/blog.html</loc>
    <priority>0.80</priority>
    <changefreq>weekly</changefreq>
  </url>

  <!-- NEW: Mortgage Guide Blog -->
  <url>
    <loc>https://financecalculatorshub.com/blog/mortgage-guide.html</loc>
    <priority>0.80</priority>
    <changefreq>monthly</changefreq>
  </url>

  <url>
    <loc>https://financecalculatorshub.com/blog/cd-guide.html</loc>
    <priority>0.80</priority>
    <changefreq>monthly</changefreq>
  </url>

  <!-- Legal Pages -->
  <url>
    <loc>https://financecalculatorshub.com/privacy.html</loc>
    <priority>0.40</priority>
    <changefreq>yearly</changefreq>
  </url>

  <url>
    <loc>https://financecalculatorshub.com/terms.html</loc>
    <priority>0.40</priority>
    <changefreq>yearly</changefreq>
  </url>

</urlset>
