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  <!-- ── Core pages ── -->
  <url>
    <loc>https://www.securefinancego.com/</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <url>
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    <lastmod>2026-04-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
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  <url>
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    <lastmod>2026-04-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── Home Finance tools ── -->
  <url>
    <loc>https://www.securefinancego.com/tools/mortgage-calculator.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
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  <url>
    <loc>https://www.securefinancego.com/tools/home-affordability-calculator.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://www.securefinancego.com/tools/refinance-calculator.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://www.securefinancego.com/tools/early-payoff-calculator.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ── Loans & Credit tools ── -->
  <url>
    <loc>https://www.securefinancego.com/tools/car-loan-calculator.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.securefinancego.com/tools/student-loan-repayment-calculator.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
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    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
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    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- ── Investment tools ── -->
  <url>
    <loc>https://www.securefinancego.com/tools/compound-interest-calculator.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.securefinancego.com/tools/retirement-savings-calculator.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.securefinancego.com/tools/inflation-calculator.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- ── Planning & Analysis tools ── -->
  <url>
    <loc>https://www.securefinancego.com/tools/savings-goal-calculator.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.securefinancego.com/tools/net-worth-calculator.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.securefinancego.com/tools/tax-withholding-estimator.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.securefinancego.com/tools/currency-converter.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── Articles ── -->
  <url>
    <loc>https://www.securefinancego.com/articles/how-to-calc-monthly-mortgage-payment.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://www.securefinancego.com/articles/mortgage-calculator-explained-examples.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://www.securefinancego.com/articles/what-is-compound-interest.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://www.securefinancego.com/articles/understanding-credit-score-us.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://www.securefinancego.com/articles/types-of-loans-us.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.securefinancego.com/articles/how-to-save-for-retirement-us.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://www.securefinancego.com/articles/student-loan-repayment-options.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.securefinancego.com/articles/car-loan-calculator-how-much-monthly.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.securefinancego.com/articles/top-mistakes-student-loans.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.securefinancego.com/articles/tax-withholding-basics.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://www.securefinancego.com/articles/currency-converter-why-rates-change.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>

  <!-- ── Static pages ── -->
  <url>
    <loc>https://www.securefinancego.com/about.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.securefinancego.com/sitemap.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://www.securefinancego.com/disclaimer.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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  <url>
    <loc>https://www.securefinancego.com/privacy-policy.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://www.securefinancego.com/terms.html</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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