<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
        http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">

  <!--
    EMICalc_v1 - Enhanced Sitemap
    For Google Search Console - Comprehensive SEO Coverage
    Last Updated: 2026-04-19

    Replace 'https://emicalculator365.com' with your actual domain

    Note: Add screenshots to /public/screenshots/ and uncomment image:image
    tags when available for enhanced Google Images optimization

    SEO Keywords Integrated:
    Primary: EMI Calculator, Loan calculator, EMI loan calculator,
             EMI Calculator with down payment, EMI Calculator with prepayment,
             EMI Calculator with advance payment

    Secondary: EMI calculator India, loan EMI calculator, monthly EMI calculator,
                Home loan calculator, Personal loan EMI calculator, SIP calculator
  -->

  <!-- Homepage - Financial Calculator Hub -->
  <url>
    <loc>https://emicalculator365.com/</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <!-- Add screenshots when available:
    <image:image>
      <image:loc>https://emicalculator365.com/screenshots/desktop-home.png</image:loc>
      <image:title>Financial Calculator PWA - Home</image:title>
    </image:image>
    -->
  </url>

  <!-- EMI Calculator - Primary Feature with All Keywords -->
  <url>
    <loc>https://emicalculator365.com/emi-calculator</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <!-- Add screenshot when available:
    <image:image>
      <image:loc>https://emicalculator365.com/screenshots/emi-calculator.png</image:loc>
      <image:title>EMI Calculator with Prepayment</image:title>
    </image:image>
    -->
  </url>

  <!-- EMI Amortization Schedule -->
  <url>
    <loc>https://emicalculator365.com/emi-amortization</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Prepayment Calculator - Home Loan with Prepayment -->
  <url>
    <loc>https://emicalculator365.com/prepayment-calculator</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Prepayment Amortization Schedule -->
  <url>
    <loc>https://emicalculator365.com/prepayment-amortization</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Reverse Calculator Hub -->
  <url>
    <loc>https://emicalculator365.com/reverse-calculator</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Loan Amount Calculator -->
  <url>
    <loc>https://emicalculator365.com/reverse-calculator/loan-amount</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Tenure Calculator -->
  <url>
    <loc>https://emicalculator365.com/reverse-calculator/tenure</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Interest Rate Calculator -->
  <url>
    <loc>https://emicalculator365.com/reverse-calculator/interest-rate</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Investment Calculator Hub -->
  <url>
    <loc>https://emicalculator365.com/investment-calculator</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- SIP Calculator -->
  <url>
    <loc>https://emicalculator365.com/sip-calculator</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- FD Calculator -->
  <url>
    <loc>https://emicalculator365.com/fd-calculator</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- RD Calculator -->
  <url>
    <loc>https://emicalculator365.com/rd-calculator</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Loan Comparison Calculator -->
  <url>
    <loc>https://emicalculator365.com/loan-comparison</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Amortization Schedule Page -->
  <url>
    <loc>https://emicalculator365.com/amortization</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- History Page - Lower Priority -->
  <url>
    <loc>https://emicalculator365.com/history</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Settings Page - Lower Priority -->
  <url>
    <loc>https://emicalculator365.com/settings</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Privacy Policy - Legal Page -->
  <url>
    <loc>https://emicalculator365.com/privacy</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
  </url>

  <!-- Terms of Service - Legal Page -->
  <url>
    <loc>https://emicalculator365.com/terms</loc>
    <lastmod>2026-04-19</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
  </url>

</urlset>