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  <!-- Core tools -->
  <url>
    <loc>https://the-online-calculator.com/</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/scientific-calculator</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/vat-calculator</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/currency</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/percentage</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/bmi-calculator</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/loan-calculator</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/age-calculator</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/unit-converter</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/discount-calculator</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Info pages -->
  <url>
    <loc>https://the-online-calculator.com/about</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/contact</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/privacy-policy</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/terms</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>

  <!-- Blog hub -->
  <url>
    <loc>https://the-online-calculator.com/blog</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Blog posts (17) -->
  <url>
    <loc>https://the-online-calculator.com/blog/how-to-calculate-vat</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/blog/understanding-exchange-rates</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/blog/percentage-calculations-explained</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/blog/compound-interest-explained</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/blog/understanding-loan-payments</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/blog/simple-vs-compound-interest</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/blog/how-to-calculate-discounts</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/blog/profit-margin-guide</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/blog/tip-calculator-guide</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/blog/unit-conversions-guide</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/blog/area-and-perimeter-guide</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/blog/budgeting-with-calculators</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/blog/scientific-calculator-guide</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/blog/calculator-tips-and-shortcuts</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/blog/mental-math-tricks</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/blog/order-of-operations</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://the-online-calculator.com/blog/math-formulas-everyone-should-know</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

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