<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <!-- Landing -->
  <url>
    <loc>https://zmoneyplus.com/</loc>
    <xhtml:link rel="alternate" hreflang="en-IN" href="https://zmoneyplus.com/" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://zmoneyplus.com/" />
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://zmoneyplus.com/welcome</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Auth (light indexing so brand + generic queries can surface it) -->
  <url>
    <loc>https://zmoneyplus.com/login</loc>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://zmoneyplus.com/register</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Discover -->
  <url>
    <loc>https://zmoneyplus.com/mutualfunds</loc>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://zmoneyplus.com/news</loc>
    <changefreq>hourly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Learn -->
  <url>
    <loc>https://zmoneyplus.com/learn</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Calculators — hub -->
  <url>
    <loc>https://zmoneyplus.com/calculators</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Calculators — all 13 individual pages -->
  <url><loc>https://zmoneyplus.com/calculator/sip</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://zmoneyplus.com/calculator/nps</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://zmoneyplus.com/calculator/epf</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://zmoneyplus.com/calculator/ssy</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://zmoneyplus.com/calculator/lumpsum</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://zmoneyplus.com/calculator/fd</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://zmoneyplus.com/calculator/rd</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://zmoneyplus.com/calculator/ppf</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://zmoneyplus.com/calculator/elss</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://zmoneyplus.com/calculator/goal</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://zmoneyplus.com/calculator/hra</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://zmoneyplus.com/calculator/gratuity</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://zmoneyplus.com/calculator/inflation</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <!-- Legal (indexable — helps E-E-A-T signals) -->
  <url><loc>https://zmoneyplus.com/legal</loc><changefreq>monthly</changefreq><priority>0.3</priority></url>
  <url><loc>https://zmoneyplus.com/legal/terms</loc><changefreq>monthly</changefreq><priority>0.3</priority></url>
  <url><loc>https://zmoneyplus.com/legal/privacy</loc><changefreq>monthly</changefreq><priority>0.3</priority></url>

</urlset>
