<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <!-- Homepage -->
  <url>
    <loc>https://lifecalc.in/</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Salary & Tax Calculators -->
  <url>
    <loc>https://lifecalc.in/#salary</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://lifecalc.in/#taxregime</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://lifecalc.in/#hra</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://lifecalc.in/#freelancer</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://lifecalc.in/#capgains</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://lifecalc.in/#form16</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Investment Calculators -->
  <url>
    <loc>https://lifecalc.in/#sip</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://lifecalc.in/#retirement</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://lifecalc.in/#epf</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://lifecalc.in/#nps</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://lifecalc.in/#fire</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Loans & EMI -->
  <url>
    <loc>https://lifecalc.in/#emi</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://lifecalc.in/#homeloan</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Career Tools -->
  <url>
    <loc>https://lifecalc.in/#jobswitch</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://lifecalc.in/#offerletter</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://lifecalc.in/#fresher</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://lifecalc.in/#employer</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Life Goals -->
  <url>
    <loc>https://lifecalc.in/#goals</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://lifecalc.in/#education</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://lifecalc.in/#costliving</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://lifecalc.in/#ppp</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://lifecalc.in/#savingsgap</loc>
    <lastmod>2025-05-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>

</urlset>
