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  <url><loc>https://kredly.lovable.app/tools</loc><lastmod>2026-03-31</lastmod><priority>0.9</priority><changefreq>weekly</changefreq></url>
  <url><loc>https://kredly.lovable.app/feed</loc><lastmod>2026-03-31</lastmod><priority>0.8</priority><changefreq>daily</changefreq></url>
  <url><loc>https://kredly.lovable.app/threads</loc><lastmod>2026-03-31</lastmod><priority>0.7</priority><changefreq>daily</changefreq></url>
  <url><loc>https://kredly.lovable.app/resume-roast</loc><lastmod>2026-03-31</lastmod><priority>0.7</priority><changefreq>monthly</changefreq></url>

  <!-- Tax & Compliance Tools -->
  <url><loc>https://kredly.lovable.app/tools/tax-on-salary</loc><lastmod>2026-03-31</lastmod><priority>0.8</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/take-home-pay</loc><lastmod>2026-03-31</lastmod><priority>0.8</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/fringe-benefit-tax</loc><lastmod>2026-03-31</lastmod><priority>0.7</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/nssf-tracker</loc><lastmod>2026-03-31</lastmod><priority>0.8</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/withholding-tax</loc><lastmod>2026-03-31</lastmod><priority>0.7</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/vat-calculator</loc><lastmod>2026-03-31</lastmod><priority>0.8</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/property-tax</loc><lastmod>2026-03-31</lastmod><priority>0.8</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/vehicle-import-tax</loc><lastmod>2026-03-31</lastmod><priority>0.8</priority><changefreq>monthly</changefreq></url>

  <!-- Wealth Building Tools -->
  <url><loc>https://kredly.lovable.app/tools/home-savings</loc><lastmod>2026-03-31</lastmod><priority>0.7</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/investment-roadmap</loc><lastmod>2026-03-31</lastmod><priority>0.7</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/retirement-visualizer</loc><lastmod>2026-03-31</lastmod><priority>0.7</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/vacation-fund</loc><lastmod>2026-03-31</lastmod><priority>0.6</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/buy-vs-rent</loc><lastmod>2026-03-31</lastmod><priority>0.8</priority><changefreq>monthly</changefreq></url>

  <!-- Debt & Loans Tools -->
  <url><loc>https://kredly.lovable.app/tools/car-vs-motorcycle</loc><lastmod>2026-03-31</lastmod><priority>0.6</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/subscription-audit</loc><lastmod>2026-03-31</lastmod><priority>0.6</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/bnpl-calculator</loc><lastmod>2026-03-31</lastmod><priority>0.6</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/debt-destroyer</loc><lastmod>2026-03-31</lastmod><priority>0.7</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/student-loan-decision</loc><lastmod>2026-03-31</lastmod><priority>0.6</priority><changefreq>monthly</changefreq></url>

  <!-- Smart Money Tools -->
  <url><loc>https://kredly.lovable.app/tools/daily-spend-wealth</loc><lastmod>2026-03-31</lastmod><priority>0.6</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/side-hustle-profit</loc><lastmod>2026-03-31</lastmod><priority>0.6</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/emergency-fund</loc><lastmod>2026-03-31</lastmod><priority>0.7</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/salary-negotiation</loc><lastmod>2026-03-31</lastmod><priority>0.7</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/skill-roi</loc><lastmod>2026-03-31</lastmod><priority>0.6</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/meal-prep</loc><lastmod>2026-03-31</lastmod><priority>0.5</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/phone-plan</loc><lastmod>2026-03-31</lastmod><priority>0.5</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/gym-roi</loc><lastmod>2026-03-31</lastmod><priority>0.5</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/credit-card-rewards</loc><lastmod>2026-03-31</lastmod><priority>0.6</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://kredly.lovable.app/tools/gift-budget</loc><lastmod>2026-03-31</lastmod><priority>0.5</priority><changefreq>monthly</changefreq></url>
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