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  <!-- Homepage -->
  <url>
    <loc>https://investsmartcalc.com/</loc>
    <lastmod>2026-03-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Core Calculators -->
  <url>
    <loc>https://investsmartcalc.com/sip-calculator.html</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://investsmartcalc.com/emi-calculator.html</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://investsmartcalc.com/fd-calculator.html</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://investsmartcalc.com/tax-calculator.html</loc>
    <lastmod>2026-03-17</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://investsmartcalc.com/ppf-calculator.html</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://investsmartcalc.com/salary.html</loc>
    <lastmod>2026-03-17</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://investsmartcalc.com/gratuity-calculator.html</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://investsmartcalc.com/hra-calculator.html</loc>
    <lastmod>2026-03-17</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Post Office Scheme Calculators -->
  <url>
    <loc>https://investsmartcalc.com/ssy-calculator.html</loc>
    <lastmod>2026-03-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://investsmartcalc.com/kvp-calculator.html</loc>
    <lastmod>2026-03-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://investsmartcalc.com/pomis-calculator.html</loc>
    <lastmod>2026-03-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- SWP — High Priority -->
  <url>
    <loc>https://investsmartcalc.com/swp-calculator.html</loc>
    <lastmod>2026-03-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Secondary Calculators -->
  <url>
    <loc>https://investsmartcalc.com/lumpsum-calculator.html</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://investsmartcalc.com/rd-calculator.html</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://investsmartcalc.com/cagr-calculator.html</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://investsmartcalc.com/inflation-calculator.html</loc>
    <lastmod>2026-03-17</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Blog / Content Pages — High Priority -->
  <url>
    <loc>https://investsmartcalc.com/what-is-swp.html</loc>
    <lastmod>2026-03-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://investsmartcalc.com/swp-vs-fd-vs-pomis.html</loc>
    <lastmod>2026-03-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Company Pages -->
  <url>
    <loc>https://investsmartcalc.com/about.html</loc>
    <lastmod>2026-03-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

  <url>
    <loc>https://investsmartcalc.com/disclaimer.html</loc>
    <lastmod>2026-03-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://investsmartcalc.com/privacy.html</loc>
    <lastmod>2026-03-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://investsmartcalc.com/contact.html</loc>
    <lastmod>2026-03-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

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