<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Homepage / Take Home Pay Calculator -->
  <url>
    <loc>https://takehomepaycalc.com.au/index.html</loc>
    <lastmod>2025-03-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Calculators -->
  <url>
    <loc>https://takehomepaycalc.com.au/job-comparison.html</loc>
    <lastmod>2025-03-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://takehomepaycalc.com.au/gst-calculator.html</loc>
    <lastmod>2025-03-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://takehomepaycalc.com.au/cgt-calculator.html</loc>
    <lastmod>2025-03-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://takehomepaycalc.com.au/cost-base-calculator.html</loc>
    <lastmod>2025-03-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Investment Property -->
  <url>
    <loc>https://takehomepaycalc.com.au/rental-property-calculator.html</loc>
    <lastmod>2025-03-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://takehomepaycalc.com.au/loan-repayment-calculator.html</loc>
    <lastmod>2025-03-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Wealth -->
  <url>
    <loc>https://takehomepaycalc.com.au/fire-calculator.html</loc>
    <lastmod>2025-03-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Home Buying -->
  <url>
    <loc>https://takehomepaycalc.com.au/home-affordability-calculator.html</loc>
    <lastmod>2026-04-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

</urlset>