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  <!-- 1. Main Interactive FIRE Calculator & Planner -->
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    <loc>https://sanchita.net/</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- 2. Sanchita Dedicated Financial Tools -->
  <url>
    <loc>https://sanchita.net/tools/step-up-sip-calculator/</loc>
    <lastmod>2026-08-29</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://sanchita.net/tools/coast-fire-calculator/</loc>
    <lastmod>2026-08-29</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://sanchita.net/tools/crore-doubling-calculator/</loc>
    <lastmod>2026-08-29</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://sanchita.net/tools/rent-vs-buy-india/</loc>
    <lastmod>2026-08-29</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://sanchita.net/tools/swp-inflation-calculator/</loc>
    <lastmod>2026-08-29</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 3. Publication & Blog Hub -->
  <url>
    <loc>https://sanchita.net/blog/</loc>
    <lastmod>2026-09-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://sanchita.net/blog/how-i-calculated-real-fire-bangalore/</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://sanchita.net/blog/first-crore-psychological-wall/</loc>
    <lastmod>2026-05-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://sanchita.net/blog/step-up-sip-multiplier-vs-stock-picking/</loc>
    <lastmod>2026-06-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://sanchita.net/blog/why-we-dont-track-every-chai/</loc>
    <lastmod>2026-06-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://sanchita.net/blog/sequence-of-returns-risk-india/</loc>
    <lastmod>2026-07-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://sanchita.net/blog/hidden-ltcg-tax-drag-retirement/</loc>
    <lastmod>2026-07-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://sanchita.net/blog/coast-fire-in-your-30s-india/</loc>
    <lastmod>2026-08-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://sanchita.net/blog/dual-income-couples-fire-plan/</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://sanchita.net/blog/rent-vs-buy-fire-metros/</loc>
    <lastmod>2026-08-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://sanchita.net/blog/real-inflation-tier-1-india/</loc>
    <lastmod>2026-08-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://sanchita.net/blog/epf-ppf-vpf-vs-mutual-funds-fire/</loc>
    <lastmod>2026-08-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://sanchita.net/blog/health-insurance-super-topup-fire-india/</loc>
    <lastmod>2026-09-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://sanchita.net/blog/swp-tax-efficiency-vs-dividend-plans/</loc>
    <lastmod>2026-09-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://sanchita.net/blog/nps-national-pension-system-tier-1-fire/</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://sanchita.net/blog/fat-fire-india-lifestyle-budget/</loc>
    <lastmod>2026-09-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 3. Educational & Mathematical Guides -->
  <url>
    <loc>https://sanchita.net/guides/step-up-sip-compounding/</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://sanchita.net/guides/safe-withdrawal-rate-india/</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://sanchita.net/guides/fire-archetypes-india/</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://sanchita.net/guides/sequence-of-returns-risk/</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- 4. Essential Legal & Transparency Pages -->
  <url>
    <loc>https://sanchita.net/privacy/</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://sanchita.net/terms/</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://sanchita.net/about/</loc>
    <lastmod>2026-09-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://sanchita.net/contact/</loc>
    <lastmod>2026-09-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://sanchita.net/editorial-policy/</loc>
    <lastmod>2026-09-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://sanchita.net/methodology/</loc>
    <lastmod>2026-09-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
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