<?xml version="1.0" encoding="UTF-8"?>
<!--
  Northern Numbers Sitemap
  Auto-update by adding URLs below when new calculators go live.
  Match URLs to nn-calculators.js registry.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Core pages -->
  <url><loc>https://www.northernnumbers.ca/</loc><lastmod>2026-07-03</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://www.northernnumbers.ca/finance/</loc><lastmod>2026-07-03</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.northernnumbers.ca/about.html</loc><lastmod>2026-07-03</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.northernnumbers.ca/contact.html</loc><lastmod>2026-07-03</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>

  <!-- Active Calculators -->
  <url><loc>https://www.northernnumbers.ca/mortgage/</loc><lastmod>2026-07-03</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.northernnumbers.ca/tfsa/</loc><lastmod>2026-07-03</lastmod><changefreq>yearly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.northernnumbers.ca/rrsp/</loc><lastmod>2026-07-03</lastmod><changefreq>yearly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.northernnumbers.ca/fhsa/</loc><lastmod>2026-07-03</lastmod><changefreq>yearly</changefreq><priority>0.9</priority></url>
  <url><loc>https://www.northernnumbers.ca/compound-interest/</loc><lastmod>2026-07-03</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.northernnumbers.ca/car-loan/</loc><lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.northernnumbers.ca/loan/</loc><lastmod>2026-07-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Legal -->
  <url><loc>https://www.northernnumbers.ca/privacy-policy.html</loc><lastmod>2026-07-03</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://www.northernnumbers.ca/terms-of-use.html</loc><lastmod>2026-07-03</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://www.northernnumbers.ca/disclaimer.html</loc><lastmod>2026-07-03</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>

  <!--
  ADD NEW CALCULATORS HERE:
  <url>
    <loc>https://www.northernnumbers.ca/car-loan/</loc>
    <lastmod>YYYY-MM-DD</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  -->

</urlset>
