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

  <!-- Main page -->
  <url>
    <loc>https://yourmoneytools.com/</loc>
    <lastmod>2025-05-11</lastmod>
    <priority>1.0</priority>
  </url>

  <!-- Calculators -->
  <url>
    <loc>https://yourmoneytools.com/monthly-savings-calculator</loc>
    <lastmod>2025-05-11</lastmod>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://yourmoneytools.com/investment-calculator</loc>
    <lastmod>2025-05-11</lastmod>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://yourmoneytools.com/mortgage-calculator</loc>
    <lastmod>2025-05-11</lastmod>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://yourmoneytools.com/personal-loan-calculator/</loc>
    <lastmod>2025-05-11</lastmod>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://yourmoneytools.com/compound-interest-calculator</loc>
    <lastmod>2025-05-11</lastmod>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://yourmoneytools.com/monthly-expenses-calculator</loc>
    <lastmod>2025-05-11</lastmod>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://yourmoneytools.com/emergency-fund-calculator</loc>
    <lastmod>2025-05-11</lastmod>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://yourmoneytools.com/savings-goal-calculator</loc>
    <lastmod>2025-05-11</lastmod>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://yourmoneytools.com/retirement-calculator</loc>
    <lastmod>2025-05-11</lastmod>
    <priority>0.9</priority>
  </url>

</urlset>
