<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

    <!-- Homepage -->
    <url>
        <loc>https://calcfest.com/</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>weekly</changefreq>
        <priority>1.0</priority>
    </url>

    <!-- Calculator Index -->
    <url>
        <loc>https://calcfest.com/calculators/</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
    </url>

    <!-- Static Pages -->
    <url>
        <loc>https://calcfest.com/about.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://calcfest.com/privacy.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>
    <url>
        <loc>https://calcfest.com/terms.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>

    <!-- Mortgage & Loan Calculators (High Priority) -->
    <url>
        <loc>https://calcfest.com/calculators/mortgage-payment.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>
    <url>
        <loc>https://calcfest.com/calculators/home-affordability.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>
    <url>
        <loc>https://calcfest.com/calculators/rent-vs-buy.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>
    <url>
        <loc>https://calcfest.com/calculators/refinance.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://calcfest.com/calculators/amortization.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://calcfest.com/calculators/amortization-schedule.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    <url>
        <loc>https://calcfest.com/calculators/biweekly-mortgage.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    <url>
        <loc>https://calcfest.com/calculators/extra-payment.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    <url>
        <loc>https://calcfest.com/calculators/15-vs-30-mortgage.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    <url>
        <loc>https://calcfest.com/calculators/down-payment-pmi.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>

    <!-- Real Estate Investment Calculators -->
    <url>
        <loc>https://calcfest.com/calculators/cash-flow.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://calcfest.com/calculators/cap-rate.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://calcfest.com/calculators/brrrr.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://calcfest.com/calculators/fix-flip.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>

    <!-- Personal Finance Calculators -->
    <url>
        <loc>https://calcfest.com/calculators/debt-to-income.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    <url>
        <loc>https://calcfest.com/calculators/emergency-fund.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>

    <!-- Retirement & Savings Calculators -->
    <url>
        <loc>https://calcfest.com/calculators/401k.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://calcfest.com/calculators/compound-interest.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://calcfest.com/calculators/retirement-planning.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>

    <!-- Investment & Portfolio Calculators -->
    <url>
        <loc>https://calcfest.com/calculators/portfolio-allocation.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    <url>
        <loc>https://calcfest.com/calculators/capm.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://calcfest.com/calculators/dividend-yield.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    <url>
        <loc>https://calcfest.com/calculators/stock-valuation.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://calcfest.com/calculators/risk-assessment.html</loc>
        <lastmod>2025-12-26</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>

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