<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
        http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">

    <!-- Landing Page / Home -->
    <url>
        <loc>https://financetoolbox.co/</loc>
        <lastmod>2026-10-10</lastmod>
        <changefreq>monthly</changefreq>
        <priority>1.0</priority>
    </url>

    <!-- Mortgage Affordability Calculator -->
    <url>
        <loc>https://financetoolbox.co/mortgage-affordability-calculator.html</loc>
        <lastmod>2026-10-10</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
    </url>

    <!-- Rent vs Buy Calculator (Home Ownership vs Renting) -->
    <url>
        <loc>https://financetoolbox.co/home-ownership-calculator.html</loc>
        <lastmod>2026-10-10</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
    </url>

    <!-- Mortgage Payoff Calculator -->
    <url>
        <loc>https://financetoolbox.co/payoff-accelerator-calculator.html</loc>
        <lastmod>2026-10-10</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
    </url>

    <!-- Rental Property Calculator -->
    <url>
        <loc>https://financetoolbox.co/rental-calculator.html</loc>
        <lastmod>2026-10-10</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
    </url>

    <!-- Airbnb / Short-Term Rental Calculator -->
    <url>
        <loc>https://financetoolbox.co/airbnb-calculator.html</loc>
        <lastmod>2026-10-10</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
    </url>

  <url>
    <loc>https://financetoolbox.co/about.html</loc>
    <lastmod>2026-10-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
</urlset>
