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

  <!-- Homepage -->
  <url>
    <loc>https://wellthiq.com/</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Calculators hub -->
  <url>
    <loc>https://wellthiq.com/tools</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- SIP Calculator -->
  <url>
    <loc>https://wellthiq.com/tools/sip</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- EMI Calculator -->
  <url>
    <loc>https://wellthiq.com/tools/emi</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- FD Calculator -->
  <url>
    <loc>https://wellthiq.com/tools/fd</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- RD Calculator -->
  <url>
    <loc>https://wellthiq.com/tools/rd</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- PPF Calculator -->
  <url>
    <loc>https://wellthiq.com/tools/ppf</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- NPS Calculator -->
  <url>
    <loc>https://wellthiq.com/tools/nps</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Gratuity Calculator -->
  <url>
    <loc>https://wellthiq.com/tools/gratuity</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- HRA Calculator -->
  <url>
    <loc>https://wellthiq.com/tools/hra</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Income Tax Calculator -->
  <url>
    <loc>https://wellthiq.com/tools/income-tax</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- GST Calculator -->
  <url>
    <loc>https://wellthiq.com/tools/gst</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Mutual Fund Calculator -->
  <url>
    <loc>https://wellthiq.com/tools/mutual-fund</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Investment Calculator -->
  <url>
    <loc>https://wellthiq.com/tools/investment</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Loan Comparison Calculator -->
  <url>
    <loc>https://wellthiq.com/tools/loan-comparison</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Currency Converter -->
  <url>
    <loc>https://wellthiq.com/tools/currency-converter</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Retirement Calculator -->
  <url>
    <loc>https://wellthiq.com/tools/retirement</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ROI Calculator -->
  <url>
    <loc>https://wellthiq.com/tools/roi</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- CAGR Calculator -->
  <url>
    <loc>https://wellthiq.com/tools/cagr</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Compound Interest Calculator -->
  <url>
    <loc>https://wellthiq.com/tools/compound</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Financial Health Score -->
  <url>
    <loc>https://wellthiq.com/health-score</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- About -->
  <url>
    <loc>https://wellthiq.com/about</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Blogs -->
  <url>
    <loc>https://wellthiq.com/blogs</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- FAQ -->
  <url>
    <loc>https://wellthiq.com/faq</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Privacy Policy -->
  <url>
    <loc>https://wellthiq.com/privacy</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
