<?xml version="1.0" encoding="UTF-8"?>
<!--
  sitemap.xml
  Submit this to Google Search Console after launch:
  search.google.com/search-console → Sitemaps → enter "sitemap.xml" → Submit

  Every URL on your site should be listed here.
  Add new blog posts and calculators as you build them.
  Google uses this to discover pages it might otherwise miss.

  IMPORTANT: Domain is clearloancalc.com — update if it ever changes.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Homepage / main calculator — highest priority -->
  <url>
    <loc>https://clearloancalc.com/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Calculator pages — core product -->
  <url>
    <loc>https://clearloancalc.com/affordability</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://clearloancalc.com/refinance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://clearloancalc.com/extra-payment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Blog index -->
  <url>
    <loc>https://clearloancalc.com/blog</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Blog posts — add a new <url> block for every post you publish -->
  <url>
    <loc>https://clearloancalc.com/blog/how-much-house-can-i-afford</loc>
    <lastmod>2026-05-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://clearloancalc.com/blog/fixed-rate-vs-arm-mortgage</loc>
    <lastmod>2026-05-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://clearloancalc.com/blog/what-is-pmi</loc>
    <lastmod>2026-05-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Static pages -->
  <url>
    <loc>https://clearloancalc.com/about</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://clearloancalc.com/privacy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
  </url>

</urlset>
