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  <!-- Calculator pages -->
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  <url>
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  <url>
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  <!-- Guide articles -->
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  <url>
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  <url>
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    <changefreq>monthly</changefreq>
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    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <!-- Company pages -->
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  <url><loc>https://owncalc.com/contact</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
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  <url><loc>https://owncalc.com/terms</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>

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