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  <!-- Core Pages -->
  <url>
    <loc>https://discalculator.com/</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://discalculator.com/about.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://discalculator.com/contact.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Blog -->
  <url>
    <loc>https://discalculator.com/blog/index.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://discalculator.com/blog/post-template.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Mortgage & Real Estate -->
  <url>
    <loc>https://discalculator.com/calculators/mortgage.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://discalculator.com/calculators/refinance.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://discalculator.com/calculators/amortization.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://discalculator.com/calculators/affordability.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://discalculator.com/calculators/rent-vs-buy.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Retirement -->
  <url>
    <loc>https://discalculator.com/calculators/roth-ira.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://discalculator.com/calculators/401k.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://discalculator.com/calculators/retirement-savings.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://discalculator.com/calculators/early-withdrawal.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Investment -->
  <url>
    <loc>https://discalculator.com/calculators/compound-interest.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://discalculator.com/calculators/investment-return.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://discalculator.com/calculators/dividend.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://discalculator.com/calculators/capital-gains.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://discalculator.com/calculators/savings-cd.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://discalculator.com/calculators/net-worth.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Loans & Debt -->
  <url>
    <loc>https://discalculator.com/calculators/personal-loan.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://discalculator.com/calculators/car-loan.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://discalculator.com/calculators/auto-lease-vs-buy.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://discalculator.com/calculators/business-loan.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://discalculator.com/calculators/debt-payoff.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Tax -->
  <url>
    <loc>https://discalculator.com/calculators/income-tax.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Budgeting & Planning -->
  <url>
    <loc>https://discalculator.com/calculators/emergency-fund.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://discalculator.com/calculators/inflation.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://discalculator.com/calculators/break-even.html</loc>
    <lastmod>2025-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

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