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    <!-- Homepage & Main Pages (Highest Priority) -->
    <url>
        <loc>https://toolshub.app/</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>daily</changefreq>
        <priority>1.0</priority>
        <xhtml:link rel="alternate" hreflang="en" href="https://toolshub.app/" />
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    <url>
        <loc>https://toolshub.app/all-tools</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>daily</changefreq>
        <priority>0.9</priority>
    </url>
    
    <!-- Main Category Pages -->
    <url>
        <loc>https://toolshub.app/calculators</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/converters</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.8</priority>
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    <url>
        <loc>https://toolshub.app/finance-tools</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Popular Financial Calculators (High Priority) -->
    <url>
        <loc>https://toolshub.app/sip-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/emi-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/ppf-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/gst-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/currency-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>daily</changefreq>
        <priority>0.9</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/lumpsum-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/compound-interest-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Financial Calculators -->
    <url>
        <loc>https://toolshub.app/fd-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/rd-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/nps-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/income-tax-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Loan Calculators -->
    <url>
        <loc>https://toolshub.app/loan-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/car-loan-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/education-loan-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/mortgage-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/loan-comparison</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
</url>
    
    <!-- Property & Tax Calculators -->
    <url>
        <loc>https://toolshub.app/stamp-duty-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>

    <url>
        <loc>https://toolshub.app/tds-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/vat-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/capital-gains</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <!-- Retirement Calculators -->
    <url>
        <loc>https://toolshub.app/retirement-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/retirement-planner</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/pension-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <!-- Investment Calculators -->
    <url>
        <loc>https://toolshub.app/mutual-fund-returns</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/stock-returns</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/portfolio-tracker</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <!-- Unit Converters -->
    <url>
        <loc>https://toolshub.app/unit-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/length-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/weight-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/temperature-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/volume-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/area-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/time-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/time-zone-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/data-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <!-- Specialized Converters -->
    <url>
        <loc>https://toolshub.app/crypto-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>daily</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/cooking-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/energy-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/power-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/pressure-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    
    <!-- Math & Calculation Tools -->
    <url>
        <loc>https://toolshub.app/percentage-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/percentage-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/discount-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/profit-loss-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/number-system</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/fraction-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/ratio-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    
    <!-- Planning & Budgeting Tools -->
    <url>
        <loc>https://toolshub.app/budget-planner</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/expense-tracker</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/goal-planner</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/emergency-fund</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/net-worth</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <!-- Debt Management Tools -->
    <url>
        <loc>https://toolshub.app/debt-consolidation</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/debt-repayment</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/credit-card-payoff</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/prepayment-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <!-- Tax & Savings Tools -->
    <url>
        <loc>https://toolshub.app/tax-saving-investments</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/tax-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/interest-rate-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/investment-return-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    
    <!-- EPF & Retirement -->
    <url>
        <loc>https://toolshub.app/epf-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/withdrawal-planning</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    
    <!-- Date & Time Tools -->
    <url>
        <loc>https://toolshub.app/date-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/duration-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    
    <!-- Cooking & Recipe Tools -->
    <url>
        <loc>https://toolshub.app/recipe-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.4</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/ingredient-converter</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.4</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/serving-size</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.4</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/oven-temperature</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.4</priority>
    </url>
    
    <!-- Health & Life Tools -->
    <url>
        <loc>https://toolshub.app/bmi-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/age-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/savings-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <!-- Salary & Income Tools -->
    <url>
        <loc>https://toolshub.app/salary-calculator</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <!-- College & Education -->
    <url>
        <loc>https://toolshub.app/college-planning</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    
    <!-- Estate Planning -->
    <url>
        <loc>https://toolshub.app/estate-planning</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/inheritance-planning</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    
    <!-- Informational Pages -->
    <url>
        <loc>https://toolshub.app/about</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/contact</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <!-- Legal Pages -->
    <url>
        <loc>https://toolshub.app/privacy</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/terms</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>
    
    <url>
        <loc>https://toolshub.app/disclaimer</loc>
        <lastmod>2026-03-16</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>
    
    <!-- Note: Error.cshtml is intentionally excluded from sitemap -->
    
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