<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Landing -->
  <url>
    <loc>https://finatrix.co/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- NOTE: /tools is deliberately NOT listed. It renders ToolsIndex, which
       unconditionally <Navigate>s to /tools/dashboard (a personalised hub that
       is correctly noindex). A crawler following a sitemap entry to a pure
       redirect gets "Page with redirect — excluded", so advertising it is worse
       than omitting it. The seven calculators below are the real surface. -->

  <!-- Individual calculators — the primary long-tail acquisition surface -->
  <url>
    <loc>https://finatrix.co/tools/budget</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://finatrix.co/tools/expenses</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://finatrix.co/tools/investmatch</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://finatrix.co/tools/parksmart</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://finatrix.co/tools/peercompare</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://finatrix.co/tools/goals</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://finatrix.co/tools/lifemap</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Legal -->
  <url>
    <loc>https://finatrix.co/privacy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://finatrix.co/terms</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>
