<?xml version="1.0" encoding="UTF-8"?>
<!-- Public routes only; the authenticated app and auth utility flows are
     intentionally excluded (they are noindex). Keep in sync with
     src/seo/routeMeta.js when adding public pages. -->
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    <loc>https://fsiscore.com/</loc>
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    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <url>
    <loc>https://fsiscore.com/read-my-statement</loc>
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    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://fsiscore.com/accuracy</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://fsiscore.com/how-it-works</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://fsiscore.com/pricing</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://fsiscore.com/demo</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://fsiscore.com/auth</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fsiscore.com/security</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://fsiscore.com/contact</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://fsiscore.com/refund-policy</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://fsiscore.com/terms</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://fsiscore.com/privacy</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://fsiscore.com/disclaimer</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://fsiscore.com/ai-policy</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://fsiscore.com/data-rights</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <!-- Free calculators: the organic-search entry points. High priority —
       these are the pages meant to rank. -->
  <url>
    <loc>https://fsiscore.com/calculators/emergency-fund</loc>
    <lastmod>2026-08-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://fsiscore.com/calculators/emi-affordability</loc>
    <lastmod>2026-08-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://fsiscore.com/calculators/salary-split</loc>
    <lastmod>2026-08-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://fsiscore.com/calculators/debt-payoff</loc>
    <lastmod>2026-08-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
</urlset>
