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  <!-- Core pages -->
  <url>
    <loc>https://www.calcu.my/</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/about.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/contact.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/privacy.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Personal Finance calculators -->
  <url>
    <loc>https://www.calcu.my/calculators/paycheck.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/take-home.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/bonus-tax.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/net-worth.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/emergency-fund.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/debt-payoff.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Business Tools -->
  <url>
    <loc>https://www.calcu.my/calculators/break-even.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/profit-margin.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/burn-rate.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/employee-cost.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/markup-margin.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/cfo-roi.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Tax & Payroll -->
  <url>
    <loc>https://www.calcu.my/calculators/1099-vs-w2.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/self-employment-tax.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/quarterly-tax.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/payroll-cost.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/sales-tax.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Real Estate -->
  <url>
    <loc>https://www.calcu.my/calculators/mortgage.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/rent-vs-buy.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/home-affordability.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/refinance.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/cap-rate.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/real-estate-roi.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Freelancers & Gig -->
  <url>
    <loc>https://www.calcu.my/calculators/freelance-rate.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/gig-tax.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/hourly-vs-salary.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.calcu.my/calculators/invoice.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.calcu.my/calculators/car-affordability.html</loc>
    <lastmod>2026-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

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