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  <!-- Home / Default -->
  <url>
    <loc>https://mybyaj.com/calculator/emi</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Core Calculators -->
  <url>
    <loc>https://mybyaj.com/calculator/simple-interest</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/calculator/compound-interest</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/calculator/sip</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/calculator/lumpsum</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/calculator/swp</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/calculator/mutual-fund</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/calculator/emi-vs-sip</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Savings & Government Schemes -->
  <url>
    <loc>https://mybyaj.com/calculator/ppf</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/calculator/epf</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/calculator/ssy</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/calculator/nps</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/calculator/fd</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/calculator/rd</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/calculator/post-office-mis</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Tax & Advanced -->
  <url>
    <loc>https://mybyaj.com/calculator/income-tax</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/calculator/gst</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/calculator/salary</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/calculator/gratuity</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/calculator/cagr</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/calculator/xirr</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/calculator/inflation</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/calculator/goal-planner</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/calculator/step-up-sip</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/calculator/capital-gains</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Static Pages -->
  <url>
    <loc>https://mybyaj.com/about</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/contact</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://mybyaj.com/app</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

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