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  <!-- Core pages -->
  <url><loc>https://capgainscalc.replit.app/</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>1.0</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://capgainscalc.replit.app/mortgage</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://capgainscalc.replit.app/budget</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://capgainscalc.replit.app/investment</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://capgainscalc.replit.app/rent-vs-buy</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://capgainscalc.replit.app/debt-payoff</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://capgainscalc.replit.app/us-guide</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://capgainscalc.replit.app/canada-guide</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://capgainscalc.replit.app/faq</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Blog articles -->
  <url><loc>https://capgainscalc.replit.app/blog</loc><lastmod>2026-05-20</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://capgainscalc.replit.app/blog/avoiding-capital-gains-tax</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://capgainscalc.replit.app/blog/rent-vs-buy-guide</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://capgainscalc.replit.app/blog/50-30-20-budget</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://capgainscalc.replit.app/blog/debt-payoff-strategies</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- US State pages -->
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/alabama</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/alaska</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/arizona</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/arkansas</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/california</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/colorado</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/connecticut</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/delaware</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/florida</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/georgia</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/hawaii</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/idaho</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/illinois</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/indiana</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/iowa</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/kansas</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/kentucky</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/louisiana</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/maine</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/maryland</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/massachusetts</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/michigan</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/minnesota</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/mississippi</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/missouri</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/montana</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/nebraska</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/nevada</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/new-hampshire</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/new-jersey</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/new-mexico</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/new-york</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/north-carolina</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/north-dakota</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/ohio</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/oklahoma</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/oregon</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/pennsylvania</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/rhode-island</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/south-carolina</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/south-dakota</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/tennessee</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/texas</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/utah</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/vermont</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/virginia</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/washington</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/west-virginia</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/wisconsin</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/wyoming</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/us/washington-dc</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Canadian province pages -->
  <url><loc>https://capgainscalc.replit.app/capital-gains/canada/alberta</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/canada/british-columbia</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/canada/manitoba</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/canada/new-brunswick</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/canada/newfoundland-and-labrador</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/canada/northwest-territories</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/canada/nova-scotia</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/canada/nunavut</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/canada/ontario</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/canada/prince-edward-island</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/canada/quebec</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/canada/saskatchewan</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://capgainscalc.replit.app/capital-gains/canada/yukon</loc><lastmod>2026-05-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

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