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  <!-- High Priority Calculators -->
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    <lastmod>2025-01-21</lastmod>
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  <!-- Loan Tools -->
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    <loc>https://financekit.lovable.app/loan-eligibility</loc>
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  <!-- Investment Tools -->
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    <loc>https://financekit.lovable.app/retirement-planner</loc>
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    <loc>https://financekit.lovable.app/sip-vs-lumpsum</loc>
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  <url>
    <loc>https://financekit.lovable.app/ppf-nps-calculator</loc>
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  <url>
    <loc>https://financekit.lovable.app/crypto-sip-calculator</loc>
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  <url>
    <loc>https://financekit.lovable.app/portfolio-backtest</loc>
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    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
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  <!-- Credit & Financial Health -->
  <url>
    <loc>https://financekit.lovable.app/credit-score-simulator</loc>
    <lastmod>2025-01-21</lastmod>
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    <changefreq>monthly</changefreq>
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    <loc>https://financekit.lovable.app/credit-card-finder</loc>
    <lastmod>2025-01-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- Planning Tools -->
  <url>
    <loc>https://financekit.lovable.app/expense-tracker</loc>
    <lastmod>2025-01-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://financekit.lovable.app/savings-goal-tracker</loc>
    <lastmod>2025-01-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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    <loc>https://financekit.lovable.app/emergency-fund-stress-test</loc>
    <lastmod>2025-01-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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    <loc>https://financekit.lovable.app/salary-negotiation-tool</loc>
    <lastmod>2025-01-21</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- Real-time Trackers -->
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    <loc>https://financekit.lovable.app/currency-converter</loc>
    <lastmod>2025-01-21</lastmod>
    <changefreq>daily</changefreq>
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  <url>
    <loc>https://financekit.lovable.app/gold-silver-tracker</loc>
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    <lastmod>2025-01-21</lastmod>
    <changefreq>daily</changefreq>
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  <!-- Insurance Tools -->
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    <loc>https://financekit.lovable.app/insurance-comparison</loc>
    <lastmod>2025-01-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <lastmod>2025-01-21</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- AI Tools -->
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    <loc>https://financekit.lovable.app/ai-saving-advisor</loc>
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    <loc>https://financekit.lovable.app/receipt-scanner</loc>
    <lastmod>2025-01-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://financekit.lovable.app/global-financial-rules-engine</loc>
    <lastmod>2025-01-21</lastmod>
    <changefreq>weekly</changefreq>
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    <loc>https://financekit.lovable.app/ai-financial-timeline</loc>
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    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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    <loc>https://financekit.lovable.app/ai-tax-saving-tool</loc>
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  <!-- Legal & Trust Pages -->
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    <loc>https://financekit.lovable.app/about</loc>
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    <lastmod>2025-01-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
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  <!-- Location-Specific EMI Calculator Pages -->
  <url>
    <loc>https://financekit.lovable.app/emi-calculator/mumbai</loc>
    <lastmod>2025-01-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <lastmod>2025-01-21</lastmod>
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    <lastmod>2025-01-21</lastmod>
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    <lastmod>2025-01-21</lastmod>
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    <loc>https://financekit.lovable.app/emi-calculator/kolkata</loc>
    <lastmod>2025-01-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <lastmod>2025-01-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <lastmod>2025-01-21</lastmod>
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    <priority>0.7</priority>
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  <url>
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    <lastmod>2025-01-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <lastmod>2025-01-21</lastmod>
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    <lastmod>2025-01-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- Location-Specific SIP Calculator Pages -->
  <url>
    <loc>https://financekit.lovable.app/sip-calculator/mumbai</loc>
    <lastmod>2025-01-21</lastmod>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-01-21</lastmod>
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    <lastmod>2025-01-21</lastmod>
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  <!-- Location-Specific Tax Calculator Pages -->
  <url>
    <loc>https://financekit.lovable.app/tax-calculator/mumbai</loc>
    <lastmod>2025-01-21</lastmod>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-01-21</lastmod>
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  <!-- Location-Specific Home Loan Pages -->
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    <loc>https://financekit.lovable.app/home-loan-affordability/mumbai</loc>
    <lastmod>2025-01-21</lastmod>
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    <lastmod>2025-01-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- Location-Specific FD Calculator Pages -->
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    <loc>https://financekit.lovable.app/fd-calculator/mumbai</loc>
    <lastmod>2025-01-21</lastmod>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-01-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <lastmod>2025-01-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <lastmod>2025-01-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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