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  <!-- Main pages -->
  <url>
    <loc>https://www.tidycalcs.com/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/about/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/contact/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/privacy-policy/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
  </url>
  <!-- New calculators -->
  <url>
    <loc>https://www.tidycalcs.com/compound-interest-calculator/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/savings-goal-calculator/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/debt-to-income-calculator/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/investment-calculator/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <!-- Core calculators -->
  <url>
    <loc>https://www.tidycalcs.com/mortgage-calculator/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/refinance-calculator/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/how-much-house-can-i-afford-calculator/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/personal-loan-calculator/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/auto-loan-calculator/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/debt-payoff-calculator/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://www.tidycalcs.com/credit-card-payoff-calculator/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://www.tidycalcs.com/currency-converter/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/calorie-calculator/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/bmi-calculator/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/body-fat-calculator/</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/age-calculator/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/date-calculator/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <!-- Finance guides -->
  <url>
    <loc>https://www.tidycalcs.com/should-i-refinance/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/good-refinance-rate/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/how-much-can-i-save-refinancing/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/personal-loan-vs-credit-card/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/debt-snowball-vs-avalanche/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/how-to-pay-off-credit-card-debt-fast/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/good-credit-card-interest-rate/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/how-much-to-put-down-on-a-house/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/first-time-homebuyer-guide/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/good-car-loan-interest-rate/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/how-to-get-a-personal-loan/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <!-- New guides added 2026-06-22 -->
  <url>
    <loc>https://www.tidycalcs.com/what-credit-score-do-i-need-to-buy-a-house/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/how-much-should-i-have-in-savings/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/what-is-a-good-credit-score/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <!-- Mortgage specific pages -->
  <url>
    <loc>https://www.tidycalcs.com/150k-mortgage-payment/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/200k-mortgage-payment/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/250k-mortgage-payment/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/300k-mortgage-payment/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/350k-mortgage-payment/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/400k-mortgage-payment/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/450k-mortgage-payment/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/500k-mortgage-payment/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/600k-mortgage-payment/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/750k-mortgage-payment/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/15-vs-30-year-mortgage/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/mortgage-with-pmi/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <!-- /how-much-house-can-i-afford/ retired 2026-06-22 (301-style redirect to -calculator/) and removed from sitemap -->
  <url>
    <loc>https://www.tidycalcs.com/lower-mortgage-payment/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <!-- Other guides -->
  <url>
    <loc>https://www.tidycalcs.com/calories-to-lose-a-pound/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/understanding-bmi/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/15-vs-30-year-mortgage-guide/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/down-payment-guide/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/credit-score-for-mortgage/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.tidycalcs.com/closing-costs-explained/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <!-- Currency converter pages -->
  <!-- Rate-specific mortgage pages -->
  <url><loc>https://www.tidycalcs.com/mortgage-payment-at-7-percent/</loc><lastmod>2026-06-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <!-- Additional mortgage amount pages -->
  <url><loc>https://www.tidycalcs.com/100k-mortgage-payment/</loc><lastmod>2026-06-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.tidycalcs.com/125k-mortgage-payment/</loc><lastmod>2026-06-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.tidycalcs.com/800k-mortgage-payment/</loc><lastmod>2026-06-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.tidycalcs.com/900k-mortgage-payment/</loc><lastmod>2026-06-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.tidycalcs.com/50k-personal-loan-payment/</loc><lastmod>2026-06-30</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.tidycalcs.com/75k-personal-loan-payment/</loc><lastmod>2026-06-30</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.tidycalcs.com/100k-personal-loan-payment/</loc><lastmod>2026-06-30</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.tidycalcs.com/150k-personal-loan-payment/</loc><lastmod>2026-06-30</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.tidycalcs.com/200k-personal-loan-payment/</loc><lastmod>2026-06-30</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.tidycalcs.com/1m-mortgage-payment/</loc><lastmod>2026-06-24</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.tidycalcs.com/175k-mortgage-payment/</loc><lastmod>2026-06-30</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.tidycalcs.com/225k-mortgage-payment/</loc><lastmod>2026-06-30</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.tidycalcs.com/275k-mortgage-payment/</loc><lastmod>2026-06-30</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.tidycalcs.com/325k-mortgage-payment/</loc><lastmod>2026-06-30</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.tidycalcs.com/375k-mortgage-payment/</loc><lastmod>2026-06-30</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.tidycalcs.com/425k-mortgage-payment/</loc><lastmod>2026-06-30</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.tidycalcs.com/475k-mortgage-payment/</loc><lastmod>2026-06-30</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.tidycalcs.com/550k-mortgage-payment/</loc><lastmod>2026-06-30</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.tidycalcs.com/650k-mortgage-payment/</loc><lastmod>2026-06-30</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.tidycalcs.com/700k-mortgage-payment/</loc><lastmod>2026-06-30</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <!-- New currency pairs -->
  <!-- New calculators (Phase 3) -->
  <url><loc>https://www.tidycalcs.com/retirement-calculator/</loc><lastmod>2026-06-24</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.tidycalcs.com/net-worth-calculator/</loc><lastmod>2026-06-24</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.tidycalcs.com/life-insurance-calculator/</loc><lastmod>2026-06-25</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.tidycalcs.com/home-equity-calculator/</loc><lastmod>2026-06-24</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.tidycalcs.com/rent-vs-buy-calculator/</loc><lastmod>2026-06-24</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.tidycalcs.com/amortization-schedule-calculator/</loc><lastmod>2026-06-25</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
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