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    <loc>https://mortgagepayoffcalculator.app/</loc>
    <lastmod>2025-07-13T00:00:00+00:00</lastmod>
    <changefreq>daily</changefreq>
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  <!-- Calculator tools -->
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    <loc>https://mortgagepayoffcalculator.app/tools</loc>
    <lastmod>2025-07-13T00:00:00+00:00</lastmod>
    <changefreq>weekly</changefreq>
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  <url>
    <loc>https://mortgagepayoffcalculator.app/tools/mortgage-affordability-calculator</loc>
    <lastmod>2025-07-13T00:00:00+00:00</lastmod>
    <changefreq>weekly</changefreq>
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  <url>
    <loc>https://mortgagepayoffcalculator.app/tools/monthly-payment-calculator</loc>
    <lastmod>2025-07-13T00:00:00+00:00</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://mortgagepayoffcalculator.app/tools/loan-comparison-calculator</loc>
    <lastmod>2025-07-13T00:00:00+00:00</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://mortgagepayoffcalculator.app/tools/car-affordability-calculator</loc>
    <lastmod>2025-07-13T00:00:00+00:00</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://mortgagepayoffcalculator.app/tools/rent-affordability-calculator</loc>
    <lastmod>2025-07-13T00:00:00+00:00</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://mortgagepayoffcalculator.app/tools/rate-sensitivity</loc>
    <lastmod>2025-07-13T00:00:00+00:00</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
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  <!-- Alternative URL formats -->
  <url>
    <loc>https://mortgagepayoffcalculator.app/tools/affordability</loc>
    <lastmod>2025-07-13T00:00:00+00:00</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://mortgagepayoffcalculator.app/tools/monthly-payment</loc>
    <lastmod>2025-07-13T00:00:00+00:00</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <url>
    <loc>https://mortgagepayoffcalculator.app/tools/loan-comparison</loc>
    <lastmod>2025-07-13T00:00:00+00:00</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Blog pages -->
  <url>
    <loc>https://mortgagepayoffcalculator.app/blog</loc>
    <lastmod>2025-07-13T00:00:00+00:00</lastmod>
    <changefreq>weekly</changefreq>
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  <url>
    <loc>https://mortgagepayoffcalculator.app/blog/payment-strategies</loc>
    <lastmod>2025-07-13T00:00:00+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://mortgagepayoffcalculator.app/blog/interest-savings-tips</loc>
    <lastmod>2025-07-13T00:00:00+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://mortgagepayoffcalculator.app/blog/mortgage-guide</loc>
    <lastmod>2025-07-13T00:00:00+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Authentication pages -->
  <url>
    <loc>https://mortgagepayoffcalculator.app/auth/signin</loc>
    <lastmod>2025-07-13T00:00:00+00:00</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
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