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

  <!-- Homepage -->
  <url>
    <loc>https://canadacalculator.ca/</loc>
    <lastmod>2026-05-03</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Home & Mortgage -->
  <url>
    <loc>https://canadacalculator.ca/mortgage</loc>
    <lastmod>2026-05-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://canadacalculator.ca/heloc</loc>
    <lastmod>2026-05-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://canadacalculator.ca/refinance</loc>
    <lastmod>2026-05-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://canadacalculator.ca/rentvsbuy</loc>
    <lastmod>2026-05-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://canadacalculator.ca/fhsa</loc>
    <lastmod>2026-05-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Tax & Income -->
  <url>
    <loc>https://canadacalculator.ca/tax</loc>
    <lastmod>2026-05-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://canadacalculator.ca/rrsp-vs-tfsa</loc>
    <lastmod>2026-05-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://canadacalculator.ca/grsp</loc>
    <lastmod>2026-05-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://canadacalculator.ca/col</loc>
    <lastmod>2026-05-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Retirement & Savings -->
  <url>
    <loc>https://canadacalculator.ca/rrsp</loc>
    <lastmod>2026-05-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://canadacalculator.ca/cpp-oas</loc>
    <lastmod>2026-05-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://canadacalculator.ca/crs</loc>
    <lastmod>2026-05-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://canadacalculator.ca/emergency</loc>
    <lastmod>2026-05-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://canadacalculator.ca/debt</loc>
    <lastmod>2026-05-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Everyday Finance -->
  <url>
    <loc>https://canadacalculator.ca/carloan</loc>
    <lastmod>2026-05-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Static pages -->
  <url>
    <loc>https://canadacalculator.ca/about</loc>
    <lastmod>2026-05-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://canadacalculator.ca/contact</loc>
    <lastmod>2026-05-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://canadacalculator.ca/terms</loc>
    <lastmod>2026-05-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://canadacalculator.ca/privacy</loc>
    <lastmod>2026-05-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://canadacalculator.ca/ltt</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://canadacalculator.ca/tfsa</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://canadacalculator.ca/ccb</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://canadacalculator.ca/affordability</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://canadacalculator.ca/prepayment</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Immigration -->
  <url>
    <loc>https://canadacalculator.ca/citizenship</loc>
    <lastmod>2026-05-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

</urlset>
