<?xml version="1.0" encoding="UTF-8"?>
<!--
  Sitemap for Debt Payoff Planner Pro.
  Two URLs — one per language — each with hreflang annotations pointing
  at every other variant + x-default. Required because Google treats /en/
  and /es/ as separate pages and needs to know they're translations.

  TODO: automate `lastmod` via a Node prebuild script if you start updating
  the calculator copy/strings regularly. For now it's a static date matching
  the most recent meaningful content change.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <url>
    <loc>https://debtpayoffplannerpro.thefinancetoolsapp.com/en/</loc>
    <lastmod>2026-05-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="en"        href="https://debtpayoffplannerpro.thefinancetoolsapp.com/en/"/>
    <xhtml:link rel="alternate" hreflang="es"        href="https://debtpayoffplannerpro.thefinancetoolsapp.com/es/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://debtpayoffplannerpro.thefinancetoolsapp.com/en/"/>
  </url>

  <url>
    <loc>https://debtpayoffplannerpro.thefinancetoolsapp.com/es/</loc>
    <lastmod>2026-05-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en"        href="https://debtpayoffplannerpro.thefinancetoolsapp.com/en/"/>
    <xhtml:link rel="alternate" hreflang="es"        href="https://debtpayoffplannerpro.thefinancetoolsapp.com/es/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://debtpayoffplannerpro.thefinancetoolsapp.com/en/"/>
  </url>

</urlset>
