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  <!-- ===== MAIN PAGES ===== -->
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    <loc>https://niveshamwealth.com/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <url>
    <loc>https://niveshamwealth.com/about</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://niveshamwealth.com/services</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://niveshamwealth.com/investments</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://niveshamwealth.com/contact</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ===== CALCULATORS ===== -->
  <url>
    <loc>https://niveshamwealth.com/calculators/sip</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://niveshamwealth.com/calculators/step-up-sip</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://niveshamwealth.com/calculators/lumpsum</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://niveshamwealth.com/calculators/swp</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://niveshamwealth.com/calculators/emi</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://niveshamwealth.com/calculators/cagr-xirr</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://niveshamwealth.com/calculators/capital-gains</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://niveshamwealth.com/calculators/fire</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://niveshamwealth.com/calculators/goal</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://niveshamwealth.com/calculators/income-tax</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://niveshamwealth.com/calculators/retirement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ===== LEGAL PAGES ===== -->
  <url>
    <loc>https://niveshamwealth.com/disclosures</loc>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://niveshamwealth.com/privacy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://niveshamwealth.com/terms</loc>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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