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  <!-- Homepage -->
  <url>
    <loc>https://calcu-gator.com/</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <!-- Salary & Tax -->
  <url>
    <loc>https://calcu-gator.com/salary-tax/net-salary-calculator-canada</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://calcu-gator.com/salary-tax/sales-tax-calculator-canada</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://calcu-gator.com/salary-tax/overtime-calculator</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <!-- Mortgage & Real Estate -->
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    <loc>https://calcu-gator.com/mortgage/mortgage-payment-calculator</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://calcu-gator.com/mortgage/mortgage-affordability-calculator-canada</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://calcu-gator.com/mortgage/rent-vs-buy-calculator-canada</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://calcu-gator.com/mortgage/cmhc-insurance-calculator</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Investment & Savings -->
  <url>
    <loc>https://calcu-gator.com/investment/compound-interest-calculator</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://calcu-gator.com/investment/simple-interest-calculator</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://calcu-gator.com/investment/saving-calculator-canada</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://calcu-gator.com/investment/roi-calculator</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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    <url>
    <loc>https://calcu-gator.com/investment/rrsp-tax-savings-calculator-2025</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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    <url>
    <loc>https://calcu-gator.com/investment/tfsa-contribution-room-calculator</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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   <url>
    <loc>https://calcu-gator.com/investment/fhsa-contribution-growth-calculator-canada</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <!-- Loans & Debt -->
  <url>
    <loc>https://calcu-gator.com/loans-debt/car-loan-calculator-canada</loc>
    <lastmod>2026-02-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  

  <!-- Health & Lifestyle -->
  <url>
    <loc>https://calcu-gator.com/health/sleep-calculator</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <url>
    <loc>https://calcu-gator.com/health/calorie-calculator</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <url>
    <loc>https://calcu-gator.com/health/bmi-calculator</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
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  <!-- Math & Converters -->
  <url>
    <loc>https://calcu-gator.com/math/unit-converters</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <url>
    <loc>https://calcu-gator.com/math/percentage-calculator</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Other -->
  <url>
    <loc>https://calcu-gator.com/other/tip-calculator</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Static Pages -->
  <url>
    <loc>https://calcu-gator.com/about</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <url>
    <loc>https://calcu-gator.com/contact</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <url>
    <loc>https://calcu-gator.com/private-policy</loc>
    <lastmod>2025-12-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

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