<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Hub Homepage -->
  <url>
    <loc>https://debtflowtools.com/</loc>
    <lastmod>2026-09-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Sector 1: Debt & Credit -->
  <url>
    <loc>https://debtflowtools.com/credit-card-payoff/</loc>
    <lastmod>2026-09-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://debtflowtools.com/debt-snowball-vs-avalanche/</loc>
    <lastmod>2026-09-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://debtflowtools.com/debt-consolidation/</loc>
    <lastmod>2026-09-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Sector 2: Income & Career -->
  <url>
    <loc>https://debtflowtools.com/salary-to-hourly/</loc>
    <lastmod>2026-09-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://debtflowtools.com/overtime-bonus-calculator/</loc>
    <lastmod>2026-09-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://debtflowtools.com/1099-vs-w2-calculator/</loc>
    <lastmod>2026-09-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Sector 3: Auto & Transportation -->
  <url>
    <loc>https://debtflowtools.com/auto-loan-calculator/</loc>
    <lastmod>2026-09-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://debtflowtools.com/lease-vs-buy-calculator/</loc>
    <lastmod>2026-09-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Sector 4: Savings & Emergency Planning -->
  <url>
    <loc>https://debtflowtools.com/emergency-fund-calculator/</loc>
    <lastmod>2026-09-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://debtflowtools.com/high-yield-savings-calculator/</loc>
    <lastmod>2026-09-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Compliance & Legal Information -->
  <url>
    <loc>https://debtflowtools.com/privacy-policy/</loc>
    <lastmod>2026-09-20</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://debtflowtools.com/terms/</loc>
    <lastmod>2026-09-20</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://debtflowtools.com/contact/</loc>
    <lastmod>2026-09-20</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
</urlset>
