<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!--
    Australia calculators — add each page ONLY after it returns HTTP 200.
    /au/ root is listed in sitemap-main.xml — do not duplicate it here.

    SUPERANNUATION:
    <url><loc>https://calcphi.com/au/super-calculator.html</loc><lastmod>YYYY-MM-DD</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
    <url><loc>https://calcphi.com/au/super-contribution-calculator.html</loc><lastmod>YYYY-MM-DD</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

    TAX & INCOME:
    <url><loc>https://calcphi.com/au/income-tax-calculator-australia.html</loc><lastmod>YYYY-MM-DD</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
    <url><loc>https://calcphi.com/au/salary-calculator-australia.html</loc><lastmod>YYYY-MM-DD</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
    <url><loc>https://calcphi.com/au/medicare-levy-calculator.html</loc><lastmod>YYYY-MM-DD</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
    <url><loc>https://calcphi.com/au/hecs-repayment-calculator.html</loc><lastmod>YYYY-MM-DD</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>

    PROPERTY:
    <url><loc>https://calcphi.com/au/stamp-duty-calculator-nsw.html</loc><lastmod>YYYY-MM-DD</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
    <url><loc>https://calcphi.com/au/stamp-duty-calculator-vic.html</loc><lastmod>YYYY-MM-DD</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
    <url><loc>https://calcphi.com/au/mortgage-calculator-australia.html</loc><lastmod>YYYY-MM-DD</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
    <url><loc>https://calcphi.com/au/negative-gearing-calculator.html</loc><lastmod>YYYY-MM-DD</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

    PENSION:
    <url><loc>https://calcphi.com/au/age-pension-calculator.html</loc><lastmod>YYYY-MM-DD</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  -->

</urlset>