<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:news="http://www.google.com/schemas/sitemap-news/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml"
        xmlns:mobile="http://www.google.com/schemas/sitemap-mobile/1.0"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1"
        xmlns:video="http://www.google.com/schemas/sitemap-video/1.1">

  <!-- Homepage -->
  <url>
    <loc>https://niveshsafar.com/</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Main Application Pages -->
  <url>
    <loc>https://niveshsafar.com/onboarding</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://niveshsafar.com/dashboard</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://niveshsafar.com/retirement-planner</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://niveshsafar.com/sip-growth</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://niveshsafar.com/scenario-engine</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://niveshsafar.com/report</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Financial Tools Toolkit Hub -->
  <url>
    <loc>https://niveshsafar.com/toolkit</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Investment & SIP Calculators -->
  <url>
    <loc>https://niveshsafar.com/toolkit/sip-vs-lumpsum</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://niveshsafar.com/toolkit/fd-vs-mf-calculator</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://niveshsafar.com/toolkit/loan-vs-investment</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://niveshsafar.com/toolkit/ppf-calculator</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://niveshsafar.com/toolkit/elss-calculator</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Loan Calculators -->
  <url>
    <loc>https://niveshsafar.com/toolkit/home-loan-calculator</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://niveshsafar.com/toolkit/personal-loan-calculator</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Insurance Calculators -->
  <url>
    <loc>https://niveshsafar.com/toolkit/life-insurance-calculator</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://niveshsafar.com/toolkit/health-insurance-calculator</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Tax Calculators -->
  <url>
    <loc>https://niveshsafar.com/toolkit/tax-calculator</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://niveshsafar.com/toolkit/tds-calculator</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Life Planning Tools -->
  <url>
    <loc>https://niveshsafar.com/toolkit/education-planner</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://niveshsafar.com/toolkit/marriage-planner</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://niveshsafar.com/toolkit/festival-planner</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://niveshsafar.com/toolkit/emergency-fund-calculator</loc>
    <lastmod>2025-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

</urlset>
