<?xml version="1.0" encoding="UTF-8"?>
<!--
  sitemap.xml — moolage.com
  Deploy to: https://moolage.com/sitemap.xml  (ROOT, exact filename)
  Referenced from robots.txt. Submit in Google Search Console after deploy.

  RULES AS YOU GROW:
  - Add one <url> block per NEW calculator page. That's it.
  - Only list canonical, indexable, 200-status URLs. Never list a redirect or a share link (?price=...).
  - Update <lastmod> when a page's CONTENT meaningfully changes. Don't fake it — Google ignores
    sitemaps whose lastmod is obviously churned, and a stale date does no harm.
  - <priority> and <changefreq> are near-ignored by Google. Kept minimal here. Don't agonise.
  - Cap 50,000 URLs / 50MB. You are nowhere near that.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <url>
    <loc>https://moolage.com/</loc>
    <lastmod>2026-07-09</lastmod>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://moolage.com/mortgage-calculator/</loc>
    <lastmod>2026-07-09</lastmod>
    <priority>1.0</priority>
  </url>

  <url>
    <loc>https://moolage.com/compound-interest-calculator/</loc>
    <lastmod>2026-07-09</lastmod>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://moolage.com/loan-calculator/</loc>
    <lastmod>2026-07-09</lastmod>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://moolage.com/percentage-calculator/</loc>
    <lastmod>2026-07-09</lastmod>
    <priority>0.9</priority>
  </url>

  <!-- PHASE 3 — region-specific clones get their OWN URLs. Never merge geos onto one page.
  <url>
    <loc>https://moolage.com/uk/mortgage-calculator/</loc>
    <lastmod>2026-07-09</lastmod>
    <priority>0.9</priority>
  </url>
  -->

</urlset>
