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

  <!-- Core Financial Calculators -->
  <url>
    <loc>https://budgetgrids.com/tools/coast-fire-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://budgetgrids.com/tools/cagr-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://budgetgrids.com/tools/drip-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://budgetgrids.com/tools/dscr-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://budgetgrids.com/tools/prorate-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://budgetgrids.com/tools/pip-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://budgetgrids.com/tools/ebitda-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://budgetgrids.com/tools/margin-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Institutional & Governance Pages -->
  <url>
    <loc>https://budgetgrids.com/about</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://budgetgrids.com/contact</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://budgetgrids.com/privacy-policy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://budgetgrids.com/terms-and-conditions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
</urlset>

