<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
          http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">

  <!-- Calculator (homepage) -->
  <url>
    <loc>https://quartli.com/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Landing / Marketing page -->
  <url>
    <loc>https://quartli.com/landing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Pricing -->
  <url>
    <loc>https://quartli.com/pricing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Blog index -->
  <url>
    <loc>https://quartli.com/blog</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Blog posts -->
  <url>
    <loc>https://quartli.com/blog/quarterly-taxes-freelancers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://quartli.com/blog/deductions-self-employed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://quartli.com/blog/pay-irs-quarterly</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://quartli.com/blog/safe-harbor-rule</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://quartli.com/blog/self-employment-tax</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://quartli.com/blog/obbba-2026</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Resources -->
  <url>
    <loc>https://quartli.com/resources</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Legal -->
  <url>
    <loc>https://quartli.com/privacy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://quartli.com/terms</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
