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  <!-- ── Homepage ── -->
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    <loc>https://thebudgetmantra.com/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <!-- ── Tools Hub ── -->
  <url>
    <loc>https://thebudgetmantra.com/tools</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <!-- ── High-traffic calculators (priority 1.0) ── -->
  <url>
    <loc>https://thebudgetmantra.com/tools/emi-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
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  <url>
    <loc>https://thebudgetmantra.com/tools/sip-calculator</loc>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://thebudgetmantra.com/tools/income-tax-calculator</loc>
    <changefreq>yearly</changefreq>
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  <url>
    <loc>https://thebudgetmantra.com/tools/salary-calculator</loc>
    <changefreq>monthly</changefreq>
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    <loc>https://thebudgetmantra.com/tools/fd-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://thebudgetmantra.com/tools/fire-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ── Investment calculators ── -->
  <url>
    <loc>https://thebudgetmantra.com/tools/ppf-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thebudgetmantra.com/tools/epf-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://thebudgetmantra.com/tools/lumpsum-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://thebudgetmantra.com/tools/step-up-sip-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://thebudgetmantra.com/tools/xirr-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://thebudgetmantra.com/tools/ssy-calculator</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── Loan calculators ── -->
  <url>
    <loc>https://thebudgetmantra.com/tools/home-affordability-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://thebudgetmantra.com/tools/home-loan-prepay-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://thebudgetmantra.com/tools/car-loan-calculator</loc>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://thebudgetmantra.com/tools/education-loan-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://thebudgetmantra.com/tools/credit-card-trap</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── Tax calculators ── -->
  <url>
    <loc>https://thebudgetmantra.com/tools/hra-calculator</loc>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thebudgetmantra.com/tools/capital-gains-tax</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://thebudgetmantra.com/tools/gratuity-calculator</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://thebudgetmantra.com/tools/stamp-duty-calculator</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── Real estate ── -->
  <url>
    <loc>https://thebudgetmantra.com/tools/rent-vs-buy-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thebudgetmantra.com/tools/rent-vs-buy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://thebudgetmantra.com/tools/rent-receipt-generator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://thebudgetmantra.com/tools/rental-agreement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ── Gold ── -->
  <url>
    <loc>https://thebudgetmantra.com/tools/gold-rate-today</loc>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ── Journeys (step-by-step life guides) ── -->
  <url>
    <loc>https://thebudgetmantra.com/journeys</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://thebudgetmantra.com/journeys/passport-india</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://thebudgetmantra.com/journeys/itr-filing-india</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://thebudgetmantra.com/journeys/buy-home-india</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://thebudgetmantra.com/journeys/start-investing-india</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── Learn ── -->
  <url>
    <loc>https://thebudgetmantra.com/learn</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── Legal ── -->
  <url>
    <loc>https://thebudgetmantra.com/privacy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://thebudgetmantra.com/terms</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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