<?xml version="1.0" encoding="UTF-8"?>
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        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">

  <!-- Homepage -->
  <url>
    <loc>https://calchub.app/</loc>
    <lastmod>2025-11-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Loan Calculators -->
  <url>
    <loc>https://calchub.app/calculators/mortgage</loc>
    <lastmod>2025-11-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://calchub.app/calculators/personal-loan</loc>
    <lastmod>2025-11-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://calchub.app/calculators/auto-loan</loc>
    <lastmod>2025-11-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://calchub.app/calculators/student-loan</loc>
    <lastmod>2025-11-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Savings Calculators -->
  <url>
    <loc>https://calchub.app/calculators/savings-goal</loc>
    <lastmod>2025-11-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://calchub.app/calculators/emergency-fund</loc>
    <lastmod>2025-11-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Investment Calculators -->
  <url>
    <loc>https://calchub.app/calculators/investment-roi</loc>
    <lastmod>2025-11-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://calchub.app/calculators/compound-interest</loc>
    <lastmod>2025-11-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Property Calculators -->
  <url>
    <loc>https://calchub.app/calculators/renovation-budget</loc>
    <lastmod>2025-11-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://calchub.app/calculators/property-valuation</loc>
    <lastmod>2025-11-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://calchub.app/calculators/home-affordability</loc>
    <lastmod>2026-01-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Tax Calculators -->
  <url>
    <loc>https://calchub.app/calculators/usa-tax</loc>
    <lastmod>2025-11-20</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://calchub.app/calculators/china-tax</loc>
    <lastmod>2025-11-20</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://calchub.app/calculators/singapore-tax</loc>
    <lastmod>2025-11-20</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- CPF Calculators -->
  <url>
    <loc>https://calchub.app/calculators/cpf-contribution-calculator</loc>
    <lastmod>2026-01-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Localized Pages -->
  <url>
    <loc>https://calchub.app/cn/gongjijin-daikuan-jisuanqi</loc>
    <lastmod>2026-01-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Company Pages -->
  <url>
    <loc>https://calchub.app/about</loc>
    <lastmod>2026-01-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://calchub.app/contact</loc>
    <lastmod>2026-01-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://calchub.app/privacy</loc>
    <lastmod>2026-01-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
</urlset>
