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  <!-- Homepage / Main Calculator -->
  <url>
    <loc>https://prepaymentcalculator.ca/</loc>
    <lastmod>2026-03-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Calculators Page -->
  <url>
    <loc>https://prepaymentcalculator.ca/calculators</loc>
    <lastmod>2025-10-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Learn Page -->
  <url>
    <loc>https://prepaymentcalculator.ca/learn</loc>
    <lastmod>2025-10-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Blog -->
  <url>
    <loc>https://prepaymentcalculator.ca/blog</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Blog Posts -->
  <url>
    <loc>https://prepaymentcalculator.ca/blog/pay-off-mortgage-faster-canada</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://prepaymentcalculator.ca/blog/canadian-mortgage-interest-semi-annual-compounding</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://prepaymentcalculator.ca/blog/2026-mortgage-rate-forecast-canada</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- About Page -->
  <url>
    <loc>https://prepaymentcalculator.ca/about</loc>
    <lastmod>2025-10-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Contact Page -->
  <url>
    <loc>https://prepaymentcalculator.ca/contact</loc>
    <lastmod>2025-10-21</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Compare Page -->
  <url>
    <loc>https://prepaymentcalculator.ca/compare</loc>
    <lastmod>2025-10-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Mortgage vs Investment Calculator -->
  <url>
    <loc>https://prepaymentcalculator.ca/mortgage-vs-investment</loc>
    <lastmod>2025-10-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Refinancing Calculator -->
  <url>
    <loc>https://prepaymentcalculator.ca/refinancing</loc>
    <lastmod>2025-10-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Payment Frequency Comparison -->
  <url>
    <loc>https://prepaymentcalculator.ca/payment-frequency</loc>
    <lastmod>2025-10-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Lump Sum Optimizer -->
  <url>
    <loc>https://prepaymentcalculator.ca/lump-sum-optimizer</loc>
    <lastmod>2025-10-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Glossary -->
  <url>
    <loc>https://prepaymentcalculator.ca/glossary</loc>
    <lastmod>2025-10-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Rate Change Calculator -->
  <url>
    <loc>https://prepaymentcalculator.ca/rate-change-calculator</loc>
    <lastmod>2025-10-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Debt Payoff Strategy -->
  <url>
    <loc>https://prepaymentcalculator.ca/debt-payoff-strategy</loc>
    <lastmod>2025-10-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Home Equity Tracker -->
  <url>
    <loc>https://prepaymentcalculator.ca/home-equity-tracker</loc>
    <lastmod>2025-10-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Affordability Calculator -->
  <url>
    <loc>https://prepaymentcalculator.ca/affordability-calculator</loc>
    <lastmod>2026-03-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Privacy Policy -->
  <url>
    <loc>https://prepaymentcalculator.ca/privacy-policy</loc>
    <lastmod>2026-03-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Terms of Service -->
  <url>
    <loc>https://prepaymentcalculator.ca/terms-of-service</loc>
    <lastmod>2026-03-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Disclaimer -->
  <url>
    <loc>https://prepaymentcalculator.ca/disclaimer</loc>
    <lastmod>2026-03-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

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