<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Core Calculators -->
  <url>
    <loc>https://clearcalc.io/mortgage</loc>
    <lastmod>2025-07-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
    <image:image xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">
      <image:loc>https://clearcalc.io/assets/calculator-mortgage-hero.jpg</image:loc>
      <image:caption>Mortgage Calculator - Calculate monthly payments and total interest</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://clearcalc.io/credit-card</loc>
    <lastmod>2025-07-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
    <image:image xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">
      <image:loc>https://clearcalc.io/assets/calculator-credit-card-hero.jpg</image:loc>
      <image:caption>Credit Card Payoff Calculator - Find the fastest way to pay off debt</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://clearcalc.io/investment</loc>
    <lastmod>2025-07-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
    <image:image xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">
      <image:loc>https://clearcalc.io/assets/calculator-investment-hero.jpg</image:loc>
      <image:caption>Investment Calculator - Plan your financial future with compound interest</image:caption>
    </image:image>
  </url>
  
  <!-- Secondary Calculators -->
  <url>
    <loc>https://clearcalc.io/budget-calculator</loc>
    <lastmod>2025-07-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
    <image:image xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">
      <image:loc>https://clearcalc.io/assets/calculator-budget-hero.jpg</image:loc>
      <image:caption>Budget Calculator - Track income and expenses effectively</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://clearcalc.io/student-loan-calculator</loc>
    <lastmod>2025-07-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
    <image:image xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">
      <image:loc>https://clearcalc.io/assets/calculator-student-loan-hero.jpg</image:loc>
      <image:caption>Student Loan Calculator - Calculate payments and payoff strategies</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://clearcalc.io/refinance-calculator</loc>
    <lastmod>2025-07-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://clearcalc.io/retirement-calculator</loc>
    <lastmod>2025-07-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
    <image:image xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">
      <image:loc>https://clearcalc.io/assets/retirement-hero-image.jpg</image:loc>
      <image:caption>Retirement Calculator - Plan for your golden years</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://clearcalc.io/emergency-fund-calculator</loc>
    <lastmod>2025-07-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
    <image:image xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">
      <image:loc>https://clearcalc.io/assets/emergency-fund-hero-image.jpg</image:loc>
      <image:caption>Emergency Fund Calculator - Build your financial safety net</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://clearcalc.io/debt-snowball-calculator</loc>
    <lastmod>2025-07-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
    <image:image xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">
      <image:loc>https://clearcalc.io/assets/debt-snowball-hero-image.jpg</image:loc>
      <image:caption>Debt Snowball Calculator - Accelerate your debt payoff</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://clearcalc.io/house-affordability-calculator</loc>
    <lastmod>2025-07-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
    <image:image xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">
      <image:loc>https://clearcalc.io/assets/calculator-house-affordability-hero.jpg</image:loc>
      <image:caption>House Affordability Calculator - Find your ideal home price range</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://clearcalc.io/tax-savings-calculator</loc>
    <lastmod>2025-07-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://clearcalc.io/15-vs-30-mortgage</loc>
    <lastmod>2025-07-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
</urlset>