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    <lastmod>2026-05-11</lastmod>
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  <!-- Calculator pillar pages (Tier 1 — primary commercial intent) -->
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    <loc>https://thebenefitscalculator.co.uk/universal-credit-calculator/</loc>
    <lastmod>2026-05-11</lastmod>
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    <loc>https://thebenefitscalculator.co.uk/housing-benefit-calculator/</loc>
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  <url>
    <loc>https://thebenefitscalculator.co.uk/council-tax-reduction/</loc>
    <lastmod>2026-05-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://thebenefitscalculator.co.uk/pension-credit-calculator/</loc>
    <lastmod>2026-05-11</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://thebenefitscalculator.co.uk/carers-allowance-calculator/</loc>
    <lastmod>2026-05-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <!-- Guides hub and cornerstone articles -->
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    <loc>https://thebenefitscalculator.co.uk/guides/</loc>
    <lastmod>2026-05-11</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://thebenefitscalculator.co.uk/guides/what-benefits-am-i-entitled-to/</loc>
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    <lastmod>2026-05-11</lastmod>
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  <url>
    <loc>https://thebenefitscalculator.co.uk/guides/child-benefit-and-the-high-income-charge/</loc>
    <lastmod>2026-05-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- Trust pages -->
  <url>
    <loc>https://thebenefitscalculator.co.uk/about/</loc>
    <lastmod>2026-05-11</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://thebenefitscalculator.co.uk/how-we-calculate-benefits/</loc>
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  <url>
    <loc>https://thebenefitscalculator.co.uk/contact/</loc>
    <lastmod>2026-05-11</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
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  <!-- Legal pages -->
  <url>
    <loc>https://thebenefitscalculator.co.uk/privacy/</loc>
    <lastmod>2026-05-11</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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  <url>
    <loc>https://thebenefitscalculator.co.uk/cookies/</loc>
    <lastmod>2026-05-11</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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  <url>
    <loc>https://thebenefitscalculator.co.uk/terms/</loc>
    <lastmod>2026-05-11</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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  <url>
    <loc>https://thebenefitscalculator.co.uk/disclaimer/</loc>
    <lastmod>2026-05-11</lastmod>
    <changefreq>yearly</changefreq>
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