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  <!-- Homepage -->
  <url>
    <loc>https://balance-sheet-application.web.app/</loc>
    <lastmod>2025-01-17T00:00:00+00:00</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <image:image>
      <image:loc>https://balance-sheet-application.web.app/og-image.jpg</image:loc>
      <image:title>PersonalSheet - Personal Finance Tracker & Financial Calculators</image:title>
      <image:caption>Free personal finance tracker with comprehensive financial calculators for SIP, CAGR, mutual funds, dividends and inflation</image:caption>
    </image:image>
  </url>

  <!-- Calculator Hub -->
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    <loc>https://balance-sheet-application.web.app/calculators</loc>
    <lastmod>2025-01-17T00:00:00+00:00</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
    <image:image>
      <image:loc>https://balance-sheet-application.web.app/calculators-og.jpg</image:loc>
      <image:title>Free Financial Calculators - SIP, CAGR, Mutual Fund & More</image:title>
      <image:caption>Comprehensive suite of financial calculators for investment planning and wealth management</image:caption>
    </image:image>
  </url>

  <!-- Individual Calculators -->
  <url>
    <loc>https://balance-sheet-application.web.app/calculators/sip</loc>
    <lastmod>2025-01-17T00:00:00+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <image:image>
      <image:loc>https://balance-sheet-application.web.app/sip-calculator-og.jpg</image:loc>
      <image:title>SIP Calculator - Systematic Investment Plan Calculator</image:title>
      <image:caption>Calculate SIP returns with step-up SIP, goal planning and inflation adjustment features</image:caption>
    </image:image>
  </url>

  <url>
    <loc>https://balance-sheet-application.web.app/calculators/mf</loc>
    <lastmod>2025-01-17T00:00:00+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <image:image>
      <image:loc>https://balance-sheet-application.web.app/mf-calculator-og.jpg</image:loc>
      <image:title>Mutual Fund Calculator - SIP & Lumpsum Returns Calculator</image:title>
      <image:caption>Calculate mutual fund returns for SIP, lumpsum, step-up SIP and goal-based investments</image:caption>
    </image:image>
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  <url>
    <loc>https://balance-sheet-application.web.app/calculators/cagr</loc>
    <lastmod>2025-01-17T00:00:00+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <image:image>
      <image:loc>https://balance-sheet-application.web.app/cagr-calculator-og.jpg</image:loc>
      <image:title>CAGR Calculator - Compound Annual Growth Rate Calculator</image:title>
      <image:caption>Calculate compound annual growth rate for your investments and compare performance</image:caption>
    </image:image>
  </url>

  <url>
    <loc>https://balance-sheet-application.web.app/calculators/dividend</loc>
    <lastmod>2025-01-17T00:00:00+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <image:image>
      <image:loc>https://balance-sheet-application.web.app/dividend-calculator-og.jpg</image:loc>
      <image:title>Dividend Calculator - Dividend Yield & Income Calculator</image:title>
      <image:caption>Calculate dividend yield, income, and returns with DRIP and tax considerations</image:caption>
    </image:image>
  </url>

  <url>
    <loc>https://balance-sheet-application.web.app/calculators/inflation</loc>
    <lastmod>2025-01-17T00:00:00+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <image:image>
      <image:loc>https://balance-sheet-application.web.app/inflation-calculator-og.jpg</image:loc>
      <image:title>Inflation Calculator - Purchasing Power & Future Value Calculator</image:title>
      <image:caption>Calculate inflation impact on money's purchasing power with historical data analysis</image:caption>
    </image:image>
  </url>

  <!-- Dashboard (Auth-protected but include for completeness) -->
  <url>
    <loc>https://balance-sheet-application.web.app/dashboard</loc>
    <lastmod>2025-01-17T00:00:00+00:00</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Analytics -->
  <url>
    <loc>https://balance-sheet-application.web.app/analytics</loc>
    <lastmod>2025-01-17T00:00:00+00:00</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Categories -->
  <url>
    <loc>https://balance-sheet-application.web.app/categories</loc>
    <lastmod>2025-01-17T00:00:00+00:00</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
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  <!-- Profile -->
  <url>
    <loc>https://balance-sheet-application.web.app/profile</loc>
    <lastmod>2025-01-17T00:00:00+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Feedback -->
  <url>
    <loc>https://balance-sheet-application.web.app/feedback</loc>
    <lastmod>2025-01-17T00:00:00+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>

  <!-- Auth Login (Lower priority for SEO) -->
  <url>
    <loc>https://balance-sheet-application.web.app/auth/login</loc>
    <lastmod>2025-01-17T00:00:00+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Additional Important Pages -->
  <url>
    <loc>https://balance-sheet-application.web.app/about</loc>
    <lastmod>2025-01-17T00:00:00+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://balance-sheet-application.web.app/contact</loc>
    <lastmod>2025-01-17T00:00:00+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://balance-sheet-application.web.app/privacy-policy</loc>
    <lastmod>2025-01-17T00:00:00+00:00</lastmod>
    <changefreq>quarterly</changefreq>
    <priority>0.4</priority>
  </url>

  <url>
    <loc>https://balance-sheet-application.web.app/terms-of-service</loc>
    <lastmod>2025-01-17T00:00:00+00:00</lastmod>
    <changefreq>quarterly</changefreq>
    <priority>0.4</priority>
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