<?xml version="1.0" encoding="UTF-8"?>
<!-- Update loc values with your domain before go-live -->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Core pages -->
  <url>
    <loc>https://taxtoolkit.uk/</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://taxtoolkit.uk/about.html</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://taxtoolkit.uk/privacy.html</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://taxtoolkit.uk/contact.html</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Income Tax & Self Assessment -->
  <url>
    <loc>https://taxtoolkit.uk/self-assessment-calculator.html</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://taxtoolkit.uk/dividend-tax-calculator.html</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://taxtoolkit.uk/cgt-calculator.html</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://taxtoolkit.uk/marriage-allowance-calculator.html</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://taxtoolkit.uk/tax-code-checker.html</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Business & Freelance -->
  <url>
    <loc>https://taxtoolkit.uk/ir35-checker.html</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://taxtoolkit.uk/salary-vs-dividends-calculator.html</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://taxtoolkit.uk/vat-threshold-calculator.html</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://taxtoolkit.uk/employer-cost-calculator.html</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Salary Sacrifice & Benefits -->
  <url>
    <loc>https://taxtoolkit.uk/salary-sacrifice-calculator.html</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://taxtoolkit.uk/student-loan-calculator.html</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://taxtoolkit.uk/pension-calculator.html</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Property & Capital -->
  <url>
    <loc>https://taxtoolkit.uk/inheritance-tax-calculator.html</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://taxtoolkit.uk/rental-income-tax-calculator.html</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

</urlset>
