<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url><loc>https://smartkoala.app/</loc><priority>1.0</priority><changefreq>daily</changefreq></url>
  <url><loc>https://smartkoala.app/blog/</loc><priority>0.9</priority><changefreq>daily</changefreq></url>

  <!-- Main calculators -->
  <url><loc>https://smartkoala.app/rent-vs-buy/</loc><priority>0.9</priority></url>
  <url><loc>https://smartkoala.app/mortgage/</loc><priority>0.9</priority></url>
  <url><loc>https://smartkoala.app/loan-repayment/</loc><priority>0.9</priority></url>
  <url><loc>https://smartkoala.app/income-tax/</loc><priority>0.9</priority></url>
  <url><loc>https://smartkoala.app/stamp-duty/</loc><priority>0.9</priority></url>
  <url><loc>https://smartkoala.app/lmi/</loc><priority>0.9</priority></url>
  <url><loc>https://smartkoala.app/borrowing-capacity/</loc><priority>0.9</priority></url>
  <url><loc>https://smartkoala.app/refinance-calculator/</loc><priority>0.9</priority></url>
  <url><loc>https://smartkoala.app/superannuation/</loc><priority>0.9</priority></url>
  <url><loc>https://smartkoala.app/solar-savings/</loc><priority>0.9</priority></url>
  <url><loc>https://smartkoala.app/savings-budget-calc/</loc><priority>0.9</priority></url>

  <!-- Recently added tools -->
  <url><loc>https://smartkoala.app/ev-road-trip/</loc><priority>0.8</priority></url>
  <url><loc>https://smartkoala.app/emergency-food/</loc><priority>0.8</priority></url>
  <url><loc>https://smartkoala.app/percentage-change/</loc><priority>0.8</priority></url>
  <url><loc>https://smartkoala.app/typing-test/</loc><priority>0.8</priority></url>
  <url><loc>https://smartkoala.app/fuel-cost/</loc><priority>0.8</priority></url>

  <!-- Recently surfaced tool pages in Search Console -->
  <url><loc>https://smartkoala.app/rental-yield/</loc><priority>0.8</priority></url>
  <url><loc>https://smartkoala.app/citizenship-test/</loc><priority>0.8</priority></url>
  <url><loc>https://smartkoala.app/tyre-size/</loc><priority>0.8</priority></url>
  <url><loc>https://smartkoala.app/soil-mulch/</loc><priority>0.8</priority></url>
  <url><loc>https://smartkoala.app/stc/</loc><priority>0.8</priority></url>
  <url><loc>https://smartkoala.app/lotto-odds/</loc><priority>0.8</priority></url>

  <!-- State pages - Stamp Duty -->
  <url><loc>https://smartkoala.app/stamp-duty-vic/</loc><priority>0.8</priority></url>
  <url><loc>https://smartkoala.app/stamp-duty-nsw/</loc><priority>0.8</priority></url>
  <url><loc>https://smartkoala.app/stamp-duty-qld/</loc><priority>0.8</priority></url>
  <url><loc>https://smartkoala.app/stamp-duty-wa/</loc><priority>0.8</priority></url>
  <url><loc>https://smartkoala.app/stamp-duty-sa/</loc><priority>0.8</priority></url>

  <!-- State pages - LMI -->
  <url><loc>https://smartkoala.app/lmi-vic/</loc><priority>0.8</priority></url>
  <url><loc>https://smartkoala.app/lmi-nsw/</loc><priority>0.8</priority></url>
  <url><loc>https://smartkoala.app/lmi-qld/</loc><priority>0.8</priority></url>
  <url><loc>https://smartkoala.app/lmi-wa/</loc><priority>0.8</priority></url>
  <url><loc>https://smartkoala.app/lmi-sa/</loc><priority>0.8</priority></url>

  <!-- State pages - Solar -->
  <url><loc>https://smartkoala.app/solar-vic/</loc><priority>0.8</priority></url>
  <url><loc>https://smartkoala.app/solar-nsw/</loc><priority>0.8</priority></url>
  <url><loc>https://smartkoala.app/solar-qld/</loc><priority>0.8</priority></url>

  <!-- State pages - Income Tax -->
  <url><loc>https://smartkoala.app/income-tax-vic/</loc><priority>0.8</priority></url>
  <url><loc>https://smartkoala.app/income-tax-nsw/</loc><priority>0.8</priority></url>
  <url><loc>https://smartkoala.app/income-tax-qld/</loc><priority>0.8</priority></url>

  <!-- Blog posts -->
  <url><loc>https://smartkoala.app/blog/how-interest-rates-affect-you/</loc><priority>0.7</priority></url>
  <url><loc>https://smartkoala.app/blog/first-home-buyer-mistakes/</loc><priority>0.7</priority></url>
  <url><loc>https://smartkoala.app/blog/lmi-explained-australia/</loc><priority>0.7</priority></url>
  <url><loc>https://smartkoala.app/blog/home-loan-approval-faster/</loc><priority>0.7</priority></url>
  <url><loc>https://smartkoala.app/blog/fixed-vs-variable-rates/</loc><priority>0.7</priority></url>
  <url><loc>https://smartkoala.app/blog/refinancing-australia-2026-guide/</loc><priority>0.7</priority></url>
  <url><loc>https://smartkoala.app/blog/housing-forecast-2026-2027/</loc><priority>0.8</priority></url>
</urlset>
