<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">
  
  <!-- Homepage -->
  <url>
    <loc>https://moneymath.fyi/</loc>
    <lastmod>2025-06-03</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <image:image>
      <image:loc>https://moneymath.fyi/preview.svg</image:loc>
      <image:title>MoneyMath - Personal Finance Calculator</image:title>
      <image:caption>Calculate take-home pay, taxes, and retirement income with our free financial planning tools</image:caption>
    </image:image>
  </url>
  
  <!-- Take-home Pay Calculator -->
  <url>
    <loc>https://moneymath.fyi/takehome-pay-calculator</loc>
    <lastmod>2025-06-03</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
    <image:image>
      <image:loc>https://moneymath.fyi/previews/preview-takehome-pay.svg</image:loc>
      <image:title>Take-home Pay Calculator</image:title>
      <image:caption>Calculate your net take-home pay after taxes and deductions</image:caption>
    </image:image>
  </url>
  
  <!-- Income Tax Calculator -->
  <url>
    <loc>https://moneymath.fyi/income-tax-calculator</loc>
    <lastmod>2025-06-03</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
    <image:image>
      <image:loc>https://moneymath.fyi/previews/preview-income-tax.svg</image:loc>
      <image:title>Income Tax Calculator</image:title>
      <image:caption>Calculate federal and state income taxes owed</image:caption>
    </image:image>
  </url>
  
  <!-- Retirement Income Calculator -->
  <url>
    <loc>https://moneymath.fyi/retirement-income-calculator</loc>
    <lastmod>2025-06-03</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
    <image:image>
      <image:loc>https://moneymath.fyi/previews/preview-after-tax-retirement.svg</image:loc>
      <image:title>Retirement Income Calculator</image:title>
      <image:caption>Calculate your retirement income and plan for the future</image:caption>
    </image:image>
  </url>
  
  <!-- After-tax Retirement Optimizer -->
  <url>
    <loc>https://moneymath.fyi/after-tax-retirement-optimizer</loc>
    <lastmod>2025-06-03</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
    <image:image>
      <image:loc>https://moneymath.fyi/previews/preview-after-tax-retirement.svg</image:loc>
      <image:title>After-tax Retirement Optimizer</image:title>
      <image:caption>Optimize your after-tax retirement income strategy</image:caption>
    </image:image>
  </url>
  
  <!-- Net Worth Calculator -->
  <url>
    <loc>https://moneymath.fyi/net-worth-calculator</loc>
    <lastmod>2025-06-03</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

</urlset>