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  <!-- Homepage = SIP Calculator (priority 1.0) -->
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    <loc>https://smartfintool.com/</loc>
    <lastmod>2026-06-01</lastmod>
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  <!-- Other Calculator Pages -->
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    <loc>https://smartfintool.com/swp</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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    <loc>https://smartfintool.com/lumpsum</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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    <loc>https://smartfintool.com/compound</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>weekly</changefreq>
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    <loc>https://smartfintool.com/simple</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
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  <!-- Content Pages -->
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    <loc>https://smartfintool.com/resources</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://smartfintool.com/comparisons</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <!-- Info Pages -->
  <url>
    <loc>https://smartfintool.com/about</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://smartfintool.com/privacy-policy</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://smartfintool.com/terms</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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  <url>
    <loc>https://smartfintool.com/disclaimer</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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  <!-- Blog Posts -->
  <url>
    <loc>https://smartfintool.com/blog/sip-vs-lumpsum</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartfintool.com/blog/retirement-planning-guide</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartfintool.com/blog/power-of-compounding</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartfintool.com/blog/financial-goal-setting</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://smartfintool.com/blog/inflation-impact-investments</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://smartfintool.com/blog/mutual-fund-guide</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
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    <loc>https://smartfintool.com/blog/emergency-fund-planning</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartfintool.com/blog/investment-calculator-guide</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
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