<?xml version="1.0" encoding="UTF-8"?>
<!--
  The two language URLs serve the same file (see the /pt rewrite in
  vercel.json); the xhtml:link alternates below are what tells Google they are
  translations of each other rather than duplicates. Every <url> entry must
  list the complete alternate set, itself included.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <url>
    <loc>https://moneydy.com/</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://moneydy.com/"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://moneydy.com/pt"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://moneydy.com/"/>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <url>
    <loc>https://moneydy.com/pt</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://moneydy.com/"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://moneydy.com/pt"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://moneydy.com/"/>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Portuguese only (Portugal-specific tax report), so no alternates. -->
  <url>
    <loc>https://moneydy.com/pt/irs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Calculators: each English page and its Portuguese twin are separate
       files (calculators/*.html), rewritten to these URLs in vercel.json. -->
  <url>
    <loc>https://moneydy.com/calculators/compound-interest</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://moneydy.com/calculators/compound-interest"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://moneydy.com/pt/calculadoras/juros-compostos"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://moneydy.com/calculators/compound-interest"/>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://moneydy.com/pt/calculadoras/juros-compostos</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://moneydy.com/calculators/compound-interest"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://moneydy.com/pt/calculadoras/juros-compostos"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://moneydy.com/calculators/compound-interest"/>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://moneydy.com/calculators/fire</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://moneydy.com/calculators/fire"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://moneydy.com/pt/calculadoras/independencia-financeira"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://moneydy.com/calculators/fire"/>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://moneydy.com/pt/calculadoras/independencia-financeira</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://moneydy.com/calculators/fire"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://moneydy.com/pt/calculadoras/independencia-financeira"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://moneydy.com/calculators/fire"/>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://moneydy.com/calculators/dividend-income</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://moneydy.com/calculators/dividend-income"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://moneydy.com/pt/calculadoras/dividendos"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://moneydy.com/calculators/dividend-income"/>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://moneydy.com/pt/calculadoras/dividendos</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://moneydy.com/calculators/dividend-income"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://moneydy.com/pt/calculadoras/dividendos"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://moneydy.com/calculators/dividend-income"/>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Single-language pages: the IRS calculator and the Excel page are for
       Portuguese searches. No alternates. -->
  <url>
    <loc>https://moneydy.com/pt/calculadoras/mais-valias-irs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://moneydy.com/pt/alternativa-ao-excel</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Comparison pages: an English page and its Portuguese twin each. -->
  <url>
    <loc>https://moneydy.com/ynab-alternative</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://moneydy.com/ynab-alternative"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://moneydy.com/pt/alternativa-ao-ynab"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://moneydy.com/ynab-alternative"/>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://moneydy.com/pt/alternativa-ao-ynab</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://moneydy.com/ynab-alternative"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://moneydy.com/pt/alternativa-ao-ynab"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://moneydy.com/ynab-alternative"/>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://moneydy.com/toshl-alternative</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://moneydy.com/toshl-alternative"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://moneydy.com/pt/alternativa-ao-toshl"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://moneydy.com/toshl-alternative"/>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://moneydy.com/pt/alternativa-ao-toshl</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://moneydy.com/toshl-alternative"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://moneydy.com/pt/alternativa-ao-toshl"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://moneydy.com/toshl-alternative"/>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://moneydy.com/best-budgeting-app-portugal</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://moneydy.com/best-budgeting-app-portugal"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://moneydy.com/pt/melhor-app-financas-pessoais"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://moneydy.com/best-budgeting-app-portugal"/>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://moneydy.com/pt/melhor-app-financas-pessoais</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://moneydy.com/best-budgeting-app-portugal"/>
    <xhtml:link rel="alternate" hreflang="pt" href="https://moneydy.com/pt/melhor-app-financas-pessoais"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://moneydy.com/best-budgeting-app-portugal"/>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://moneydy.com/privacy.html</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://moneydy.com/terms.html</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
