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  <!-- Core pages -->
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    <loc>https://www.veercal.com/</loc>
    <lastmod>2026-04-09</lastmod>
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  <url>
    <loc>https://www.veercal.com/calculator</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://www.veercal.com/compare</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <!-- Calculators -->
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    <loc>https://www.veercal.com/novated</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://www.veercal.com/stamp-duty</loc>
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    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://www.veercal.com/end-of-term</loc>
    <lastmod>2026-04-09</lastmod>
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  <!-- Learn hub -->
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    <loc>https://www.veercal.com/learn</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <!-- Learn articles — novated cluster -->
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    <loc>https://www.veercal.com/learn/how-novated-leases-work</loc>
    <lastmod>2026-03-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.veercal.com/learn/ev-novated-lease-fbt-exemption</loc>
    <lastmod>2026-03-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.veercal.com/learn/novated-lease-eligibility</loc>
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  <url>
    <loc>https://www.veercal.com/learn/how-to-read-a-novated-lease-quote</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>yearly</changefreq>
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  <url>
    <loc>https://www.veercal.com/learn/phev-novated-lease-fbt</loc>
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    <priority>0.8</priority>
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  <url>
    <loc>https://www.veercal.com/learn/novated-lease-residual-value</loc>
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    <changefreq>yearly</changefreq>
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  <url>
    <loc>https://www.veercal.com/learn/novated-lease-vs-personal-loan</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <!-- Learn articles — finance structures -->
  <url>
    <loc>https://www.veercal.com/learn/dealer-finance-vs-personal-loan</loc>
    <lastmod>2026-03-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.veercal.com/learn/cash-vs-finance-opportunity-cost</loc>
    <lastmod>2026-04-08</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.veercal.com/learn/balloon-payment-car-loan</loc>
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    <priority>0.8</priority>
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  <url>
    <loc>https://www.veercal.com/learn/how-to-compare-car-loan-interest-rates</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <!-- Learn articles — costs and ownership -->
  <url>
    <loc>https://www.veercal.com/learn/true-cost-of-car-ownership</loc>
    <lastmod>2026-03-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.veercal.com/learn/stamp-duty-on-cars-australia</loc>
    <lastmod>2026-04-08</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.veercal.com/learn/end-of-finance-guide</loc>
    <lastmod>2026-04-08</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Learn articles — news and policy -->
  <url>
    <loc>https://www.veercal.com/learn/eu-trade-deal-lct-ev</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Support pages -->
  <url>
    <loc>https://www.veercal.com/about</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://www.veercal.com/faq</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.veercal.com/disclaimer</loc>
    <lastmod>2026-04-08</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
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  <url>
    <loc>https://www.veercal.com/terms</loc>
    <lastmod>2026-04-08</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
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  <url>
    <loc>https://www.veercal.com/privacy</loc>
    <lastmod>2026-04-08</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
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