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  <!-- Homepage -->
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    <loc>https://financecompass.app/</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <!-- Calculators -->
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    <loc>https://financecompass.app/hourly-to-salary</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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    <loc>https://financecompass.app/take-home-pay</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

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    <loc>https://financecompass.app/cost-of-living</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://financecompass.app/freelance-rate</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://financecompass.app/salary-negotiation</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://financecompass.app/retirement-calculator</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://financecompass.app/loan-calculator</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://financecompass.app/investment-calculator</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://financecompass.app/interest-calculator</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://financecompass.app/budget-calculator</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://financecompass.app/mortgage-calculator</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://financecompass.app/savings-goal-calculator</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://financecompass.app/net-worth-calculator</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://financecompass.app/401k-calculator</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://financecompass.app/debt-payoff-calculator</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://financecompass.app/tax-calculator</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://financecompass.app/goals-calculator</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
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    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Static Pages -->
  <url>
    <loc>https://financecompass.app/about</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <url>
    <loc>https://financecompass.app/privacy</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

  <url>
    <loc>https://financecompass.app/terms</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
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  <url>
    <loc>https://financecompass.app/contact</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>


  <!-- Legacy domain: msei.dev -->
<url>
    <loc>https://msei.dev/</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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<url>
    <loc>https://msei.dev/hourly-to-salary</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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<url>
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    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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<url>
    <loc>https://msei.dev/cost-of-living</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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<url>
    <loc>https://msei.dev/freelance-rate</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
<url>
    <loc>https://msei.dev/salary-negotiation</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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<url>
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    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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<url>
    <loc>https://msei.dev/loan-calculator</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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<url>
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    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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<url>
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    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
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<url>
    <loc>https://msei.dev/budget-calculator</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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<url>
    <loc>https://msei.dev/savings-goal-calculator</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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<url>
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    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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<url>
    <loc>https://msei.dev/401k-calculator</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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<url>
    <loc>https://msei.dev/debt-payoff-calculator</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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<url>
    <loc>https://msei.dev/tax-calculator</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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<url>
    <loc>https://msei.dev/goals-calculator</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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<url>
    <loc>https://msei.dev/retirement-planner</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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<url>
    <loc>https://msei.dev/about</loc>
    <lastmod>2026-02-09</lastmod>
    <changefreq>yearly</changefreq>
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