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  <!-- Core calculators -->
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    <loc>https://uktakehomecalculator.co.uk/</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.00</priority>
  </url>
  <url>
    <loc>https://uktakehomecalculator.co.uk/nhs-salary-calculator</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
  </url>
  <url>
    <loc>https://uktakehomecalculator.co.uk/teacher-salary-calculator</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
  </url>
  <url>
    <loc>https://uktakehomecalculator.co.uk/overseas-workdays</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
  </url>
  <url>
    <loc>https://uktakehomecalculator.co.uk/police-salary-calculator</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://uktakehomecalculator.co.uk/locum-doctor-salary-calculator</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://uktakehomecalculator.co.uk/contractor-salary-calculator</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Guides index -->
  <url>
    <loc>https://uktakehomecalculator.co.uk/guides/all-guides</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.80</priority>
  </url>

  <!-- Student loan guides -->
  <url>
    <loc>https://uktakehomecalculator.co.uk/guides/student-loan-repayment-strategy-2026-27</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.72</priority>
  </url>
  <url>
    <loc>https://uktakehomecalculator.co.uk/guides/uk-student-loan-interest-rates-complete-guide</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.70</priority>
  </url>
  <url>
    <loc>https://uktakehomecalculator.co.uk/guides/how-student-loan-affects-mortgage-uk</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.70</priority>
  </url>
  <url>
    <loc>https://uktakehomecalculator.co.uk/guides/postgraduate-loan-guide</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.70</priority>
  </url>
  <url>
    <loc>https://uktakehomecalculator.co.uk/guides/student-loan-essential-guides</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.70</priority>
  </url>

  <!-- Tax guides -->
  <url>
    <loc>https://uktakehomecalculator.co.uk/guides/tax-codes-explained</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.70</priority>
  </url>
  <url>
    <loc>https://uktakehomecalculator.co.uk/guides/pension-tax-relief-guide</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.72</priority>
  </url>
  <url>
    <loc>https://uktakehomecalculator.co.uk/guides/nhs-pension-explained-2026-27</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.70</priority>
  </url>
  <url>
    <loc>https://uktakehomecalculator.co.uk/guides/teachers-pension-scheme-explained-2026-27</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.70</priority>
  </url>
  <url>
    <loc>https://uktakehomecalculator.co.uk/guides/100k-tax-trap-scottish-rates</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.70</priority>
  </url>
  <url>
    <loc>https://uktakehomecalculator.co.uk/guides/scottish-vs-english-tax-2026-27</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.72</priority>
  </url>
  <url>
    <loc>https://uktakehomecalculator.co.uk/guides/student-loan-plan-comparison</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.72</priority>
  </url>
  <url>
    <loc>https://uktakehomecalculator.co.uk/guides/take-home-calculator-comparison</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.60</priority>
  </url>

  <!-- Overseas Workdays Relief guides -->
  <url>
    <loc>https://uktakehomecalculator.co.uk/guides/overseas-workdays-relief-complete-2026-27</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.72</priority>
  </url>

  <!-- AI / LLM retrieval index -->
  <url>
    <loc>https://uktakehomecalculator.co.uk/llm.txt</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.40</priority>
  </url>
  <url>
    <loc>https://uktakehomecalculator.co.uk/llms.txt</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.40</priority>
  </url>

  <!-- Legal -->
  <url>
    <loc>https://uktakehomecalculator.co.uk/legals/disclaimer</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.30</priority>
  </url>
  <url>
    <loc>https://uktakehomecalculator.co.uk/legals/privacy-policy</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.30</priority>
  </url>
  <url>
    <loc>https://uktakehomecalculator.co.uk/legals/terms</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.30</priority>
  </url>

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