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  <!-- Property & real estate -->
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    <loc>https://www.yallacalculators.online/ai/rent-vs-buy.md</loc>
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  <!-- Employment & income -->
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  <!-- Retirement & living costs -->
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    <loc>https://www.yallacalculators.online/ai/fire.md</loc>
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  <!-- Education -->
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  <!-- Healthcare -->
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  <!-- Business -->
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    <loc>https://www.yallacalculators.online/ai/business-startup.md</loc>
    <lastmod>2026-04-23</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- Credit cards -->
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    <loc>https://www.yallacalculators.online/ai/card-stack-builder.md</loc>
    <lastmod>2026-04-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <!-- Visas & immigration -->
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    <loc>https://www.yallacalculators.online/ai/visa-calculator.md</loc>
    <lastmod>2026-04-23</lastmod>
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    <loc>https://www.yallacalculators.online/ai/golden-visa.md</loc>
    <lastmod>2026-04-23</lastmod>
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    <lastmod>2026-04-23</lastmod>
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    <loc>https://www.yallacalculators.online/ai/freelance-visa.md</loc>
    <lastmod>2026-04-23</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://www.yallacalculators.online/ai/visa-renewal.md</loc>
    <lastmod>2026-04-23</lastmod>
    <changefreq>monthly</changefreq>
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