<?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">

    <!-- Homepage -->
    <url>
        <loc>https://finky.biz/</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>weekly</changefreq>
        <priority>1.0</priority>
    </url>

    <!-- Legal Pages -->
    <url>
        <loc>https://finky.biz/about</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://finky.biz/contact</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://finky.biz/privacy</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    <url>
        <loc>https://finky.biz/terms</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>

    <!-- Authentication Pages -->
    <url>
        <loc>https://finky.biz/login</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://finky.biz/register</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>

    <!-- Upgrade/Pricing Page -->
    <url>
        <loc>https://finky.biz/upgrade</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>

    <!-- Investment Calculators -->
    <url>
        <loc>https://finky.biz/rrsp-calculator</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>
    <url>
        <loc>https://finky.biz/tfsa-calculator</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>
    <url>
        <loc>https://finky.biz/fhsa-calculator</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>
    <url>
        <loc>https://finky.biz/nonregistered-calculator</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>

    <!-- Income and Tax Calculator -->
    <url>
        <loc>https://finky.biz/income-calculator</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>

    <!-- Debt Calculators -->
    <url>
        <loc>https://finky.biz/mortgage-calculator</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>
    <url>
        <loc>https://finky.biz/heloc-calculator</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://finky.biz/creditcard-calculator</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://finky.biz/consumercredit-calculator</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>

    <!-- Optimization Tools -->
    <url>
        <loc>https://finky.biz/optimization</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>
    <url>
        <loc>https://finky.biz/optimization/mortgage-vs-investment</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://finky.biz/optimization/amortization-comparison</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://finky.biz/optimization/rrsp-vs-tfsa</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://finky.biz/optimization/debt-optimization</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://finky.biz/rrsp-optimization</loc>
        <lastmod>2026-01-01</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>

</urlset>
