<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
        http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">
    
    <!-- Main Budget Analyzer Page -->
    <url>
        <loc>https://spendstat.com/index.html</loc>
        <lastmod>2026-02-08</lastmod>
        <changefreq>weekly</changefreq>
        <priority>1.0</priority>
    </url>
    
    <!-- Alternative root URL (if index.html is served as root) -->
    <url>
        <loc>https://spendstat.com/</loc>
        <lastmod>2026-02-08</lastmod>
        <changefreq>weekly</changefreq>
        <priority>1.0</priority>
    </url>
    
    <!-- Financial Insights Page -->
    <url>
        <loc>https://spendstat.com/financial-insights.html</loc>
        <lastmod>2026-02-20</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Reports & Statistics Page -->
    <url>
        <loc>https://spendstat.com/reports.html</loc>
        <lastmod>2026-02-08</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.7</priority>
    </url>
    
    
    <!-- Try It Out / Demo Files Page -->
    <url>
        <loc>https://spendstat.com/try-it.html</loc>
        <lastmod>2026-02-08</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <!-- FYI / How It Works Page -->
    <url>
        <loc>https://spendstat.com/fyi.html</loc>
        <lastmod>2026-02-08</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <!-- Terms of Service Page -->
    <url>
        <loc>https://spendstat.com/terms.html</loc>
        <lastmod>2026-02-08</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    
    <!-- Monthly Budget Calculator Tool -->
    <url>
        <loc>https://spendstat.com/tools/monthly-budget-calculator.html</loc>
        <lastmod>2026-02-17</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Debt Payoff Calculator Tool -->
    <url>
        <loc>https://spendstat.com/tools/debt-payoff-calculator.html</loc>
        <lastmod>2026-02-17</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Savings Target Calculator Tool -->
    <url>
        <loc>https://spendstat.com/tools/savingsTargets-calculator.html</loc>
        <lastmod>2026-02-17</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Financial Insights Articles -->
    <url>
        <loc>https://spendstat.com/articles/5-ways-find-hidden-savings.html</loc>
        <lastmod>2026-02-20</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://spendstat.com/articles/home-loan-extra-payments.html</loc>
        <lastmod>2026-02-20</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://spendstat.com/articles/privacy-first-financial-tools.html</loc>
        <lastmod>2026-02-20</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
</urlset>
