<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <!-- ===================== -->
  <!-- HOMEPAGE              -->
  <!-- ===================== -->

  <url>
    <loc>https://mmandai.github.io/</loc>
    <lastmod>2026-05-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- ===================== -->
  <!-- ABOUT                 -->
  <!-- ===================== -->

  <url>
    <loc>https://mmandai.github.io/about/</loc>
    <lastmod>2026-05-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ===================== -->
  <!-- UK CALCULATORS        -->
  <!-- ===================== -->

  <url>
    <loc>https://mmandai.github.io/uk-rental-yield/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://mmandai.github.io/uk-rental-yield/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/uk-sdlt-calculator/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://mmandai.github.io/uk-sdlt-calculator/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/uk-flip-and-profit/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://mmandai.github.io/uk-flip-and-profit/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/uk-hmo-calculator/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://mmandai.github.io/uk-hmo-calculator/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/uk-section24/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://mmandai.github.io/uk-section24/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/uk-rent-vs-buy/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://mmandai.github.io/uk-rent-vs-buy/"/>
  </url>

  <!-- ===================== -->
  <!-- US CALCULATORS        -->
  <!-- ===================== -->

  <url>
    <loc>https://mmandai.github.io/us-mortgage-affordability/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://mmandai.github.io/us-mortgage-affordability/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mmandai.github.io/us-hipoteca/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mmandai.github.io/us-mortgage-affordability/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/us-rental-roi/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://mmandai.github.io/us-rental-roi/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mmandai.github.io/us-roi-alquiler/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mmandai.github.io/us-rental-roi/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/us-closing-cost-estimator/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://mmandai.github.io/us-closing-cost-estimator/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/us-hipoteca/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="es" href="https://mmandai.github.io/us-hipoteca/"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://mmandai.github.io/us-mortgage-affordability/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mmandai.github.io/us-mortgage-affordability/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/us-roi-alquiler/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="es" href="https://mmandai.github.io/us-roi-alquiler/"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://mmandai.github.io/us-rental-roi/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mmandai.github.io/us-rental-roi/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/us-alquilar-comprar/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="es" href="https://mmandai.github.io/us-alquilar-comprar/"/>
  </url>

  <!-- ===================== -->
  <!-- POLISH CALCULATORS    -->
  <!-- ===================== -->

  <url>
    <loc>https://mmandai.github.io/pl-kredyt-vs-wynajem/</loc>
    <lastmod>2026-05-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="pl" href="https://mmandai.github.io/pl-kredyt-vs-wynajem/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/pl-rentownosc-najmu/</loc>
    <lastmod>2026-05-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="pl" href="https://mmandai.github.io/pl-rentownosc-najmu/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/pakiet-inwestora/</loc>
    <lastmod>2026-05-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="pl" href="https://mmandai.github.io/pakiet-inwestora/"/>
  </url>

  <!-- ===================== -->
  <!-- GERMAN CALCULATORS    -->
  <!-- ===================== -->

  <url>
    <loc>https://mmandai.github.io/de-grunderwerbsteuer/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="de" href="https://mmandai.github.io/de-grunderwerbsteuer/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/de-renditerechner/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="de" href="https://mmandai.github.io/de-renditerechner/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/de-afa/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="de" href="https://mmandai.github.io/de-afa/"/>
  </url>

  <!-- ===================== -->
  <!-- FRENCH CALCULATORS    -->
  <!-- ===================== -->

  <url>
    <loc>https://mmandai.github.io/fr-rendement-locatif/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mmandai.github.io/fr-rendement-locatif/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/fr-plus-value-immobiliere/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mmandai.github.io/fr-plus-value-immobiliere/"/>
  </url>

  <!-- ===================== -->
  <!-- SWISS CALCULATORS     -->
  <!-- ===================== -->

  <url>
    <loc>https://mmandai.github.io/ch-fr-amortissement-direct-vs-indirect/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mmandai.github.io/ch-fr-amortissement-direct-vs-indirect/"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://mmandai.github.io/ch-de-direkte-vs-indirekte-rechner/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mmandai.github.io/ch-fr-amortissement-direct-vs-indirect/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/ch-de-direkte-vs-indirekte-rechner/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="de" href="https://mmandai.github.io/ch-de-direkte-vs-indirekte-rechner/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mmandai.github.io/ch-fr-amortissement-direct-vs-indirect/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mmandai.github.io/ch-fr-amortissement-direct-vs-indirect/"/>
  </url>

  <!-- ===================== -->
  <!-- SPANISH CALCULATOR    -->
  <!-- ===================== -->

  <url>
    <loc>https://mmandai.github.io/es-itp/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="es" href="https://mmandai.github.io/es-itp/"/>
  </url>

  <!-- ===================== -->
  <!-- ITALIAN CALCULATOR    -->
  <!-- ===================== -->

  <url>
    <loc>https://mmandai.github.io/it-cedolare-secca-vs-irpef/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="it" href="https://mmandai.github.io/it-cedolare-secca-vs-irpef/"/>
  </url>

  <!-- ===================== -->
  <!-- GLOSSARIES            -->
  <!-- ===================== -->

  <url>
    <loc>https://mmandai.github.io/uk-glossary/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://mmandai.github.io/uk-glossary/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/us-glossary/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://mmandai.github.io/us-glossary/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://mmandai.github.io/us-glosario/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mmandai.github.io/us-glossary/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/us-glosario/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="es" href="https://mmandai.github.io/us-glosario/"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://mmandai.github.io/us-glossary/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mmandai.github.io/us-glossary/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/pl-slownik/</loc>
    <lastmod>2026-05-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="pl" href="https://mmandai.github.io/pl-slownik/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/de-glossar/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="de" href="https://mmandai.github.io/de-glossar/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/fr-glossaire/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mmandai.github.io/fr-glossaire/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/ch-glossar/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="de" href="https://mmandai.github.io/ch-glossar/"/>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mmandai.github.io/ch-glossaire/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mmandai.github.io/ch-glossar/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/ch-glossaire/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="fr" href="https://mmandai.github.io/ch-glossaire/"/>
    <xhtml:link rel="alternate" hreflang="de" href="https://mmandai.github.io/ch-glossar/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://mmandai.github.io/ch-glossar/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/es-glosario/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="es" href="https://mmandai.github.io/es-glosario/"/>
  </url>

  <url>
    <loc>https://mmandai.github.io/it-glossario/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="it" href="https://mmandai.github.io/it-glossario/"/>
  </url>

  <!-- ===================== -->
  <!-- HOW IT WORKS          -->
  <!-- ===================== -->
        
  <url>
    <loc>https://mmandai.github.io/methodology/</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- ===================== -->
  <!-- PRIVACY POLICY        -->
  <!-- ===================== -->
        
<url>
  <loc>https://mmandai.github.io/privacy/</loc>
  <lastmod>2026-05-18</lastmod>
  <changefreq>yearly</changefreq>
  <priority>0.3</priority>
</url>
</urlset>
