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  <!-- Base URL: https://kapitalph.com — keep locs aligned with VITE_SITE_ORIGIN in production. -->

  <url>
    <loc>https://kapitalph.com/</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <url>
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    <lastmod>2026-04-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Calculators (paths from src/calculatorPaths.ts) -->
  <url>
    <loc>https://kapitalph.com/calculators/salary-calculator-philippines</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://kapitalph.com/calculators/best-buy-calculator-philippines</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://kapitalph.com/calculators/housing-affordability-philippines</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/down-payment-calculator-philippines</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/loan-calculator-philippines</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/rental-calculator-philippines</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.88</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/property-investment-calculator-philippines</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.88</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/cap-rate-calculator-philippines</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.88</priority>
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  <url>
    <loc>https://kapitalph.com/calculators/feasibility-calculator-philippines</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/property-sale-proceeds-calculator-philippines</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.88</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/capital-gains-tax-ph</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/present-value-calculator-philippines</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/rate-of-return-calculator-philippines</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/roi-calculator-philippines</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/savings-interest-rate-calculator-philippines</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/simple-interest-calculator-philippines</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/percentage-calculator</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/debt-repayment-calculator-philippines</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/cogs-calculator-philippines</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.82</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/contribution-margin-break-even-calculator-philippines</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.82</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/saas-cogs-calculator</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/saas-unit-economics-calculator</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/saas-ltv-cac-calculator</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/saas-mrr-forecast-calculator</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/saas-burn-runway-calculator</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/saas-ai-cost-explosion-calculator</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.78</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/saas-scale-stress-test-calculator</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.78</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/calculators/saas-irr-exit-calculator</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.78</priority>
  </url>

  <!-- Blog (index + slugs from server/migrations/002_blog_posts.sql seed) -->
  <url>
    <loc>https://kapitalph.com/blog</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/blog/how-much-house-can-i-afford-philippines</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/blog/ph-payroll-deductions-guide</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/blog/ph-home-upfront-cash-guide</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- Legal & support -->
  <url>
    <loc>https://kapitalph.com/about</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/privacy</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/terms</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://kapitalph.com/contact</loc>
    <lastmod>2026-04-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.45</priority>
  </url>

</urlset>
