<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Main pages -->
  <url><loc>https://siply.pages.dev/</loc><lastmod>2026-06-21</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://siply.pages.dev/sip-calculator.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://siply.pages.dev/step-up-sip-calculator.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://siply.pages.dev/sip-vs-lump-sum-calculator.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://siply.pages.dev/sip-goal-planner-calculator.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://siply.pages.dev/sip-returns-xirr-calculator.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://siply.pages.dev/sip-swp-calculator.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://siply.pages.dev/sip-delay-cost-calculator.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://siply.pages.dev/sip-comparison-calculator.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://siply.pages.dev/mutual-fund-sip-calculator.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://siply.pages.dev/inflation-adjusted-sip-calculator.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://siply.pages.dev/sip-topup-calculator.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://siply.pages.dev/sip-pause-resume-calculator.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://siply.pages.dev/calculators.html</loc><lastmod>2026-06-21</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://siply.pages.dev/blog.html</loc><lastmod>2026-06-21</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://siply.pages.dev/faq.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://siply.pages.dev/about.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://siply.pages.dev/contact.html</loc><lastmod>2026-06-21</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://siply.pages.dev/privacy.html</loc><lastmod>2026-06-21</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://siply.pages.dev/terms.html</loc><lastmod>2026-06-21</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://siply.pages.dev/cookie-policy.html</loc><lastmod>2026-06-21</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>

  <!-- Error pages (not typically indexed, but available) -->
  <url><loc>https://siply.pages.dev/404.html</loc><lastmod>2026-06-21</lastmod><changefreq>yearly</changefreq><priority>0.1</priority></url>

  <!-- Blog: SIP Basics -->
  <url><loc>https://siply.pages.dev/blog/what-is-sip-beginners-guide.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://siply.pages.dev/blog/how-to-start-first-sip-500.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://siply.pages.dev/blog/how-to-choose-sip-date.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://siply.pages.dev/blog/how-to-track-sip-returns.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Blog: SIP Strategies -->
  <url><loc>https://siply.pages.dev/blog/step-up-sip-cheat-code.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://siply.pages.dev/blog/sip-delay-cost.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://siply.pages.dev/blog/how-much-to-invest-sip.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://siply.pages.dev/blog/inflation-adjusted-sip.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://siply.pages.dev/blog/sip-mistakes-beginners-make.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://siply.pages.dev/blog/sip-pause-and-resume.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://siply.pages.dev/blog/behavioural-sip-panic-selling.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Blog: SIP vs Lump Sum -->
  <url><loc>https://siply.pages.dev/blog/sip-vs-lump-sum.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://siply.pages.dev/blog/sip-vs-recurring-deposit.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Blog: Mutual Funds -->
  <url><loc>https://siply.pages.dev/blog/best-mutual-funds-sip-2026.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://siply.pages.dev/blog/sip-index-funds-vs-active.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Blog: SIP Taxation -->
  <url><loc>https://siply.pages.dev/blog/sip-taxation-explained.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Blog: Goal Planning & Retirement -->
  <url><loc>https://siply.pages.dev/blog/sip-swp-retirement.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://siply.pages.dev/blog/sip-for-retirement-5-crore.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://siply.pages.dev/blog/sip-for-women.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Blog: Deep Dive -->
  <url><loc>https://siply.pages.dev/blog/mathematics-of-sip-compounding.html</loc><lastmod>2026-06-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

</urlset>
