<?xml version="1.0" encoding="UTF-8"?>
<!--
  sitemap.xml — dacalculator.tech
  Updated 8 Oct 2026

  RULES APPLIED (learn these, they prevent the most common sitemap mistakes):

  1. ONLY real, indexable URLs. Never list fragment URLs like /#calculator.
     Engines strip the fragment, so https://site.com/#calculator and
     https://site.com/ are the SAME resource. Listing both is a duplicate
     error. This is why your original local sitemap was wrong.

  2. changefreq and priority are IGNORED by Google. They are accepted by
     the spec but have no effect on crawling. Keep them only as hints for
     other engines, or drop them. Only lastmod genuinely matters.

  3. lastmod must be truthful. Only update it when the page's content
     actually changed. Inflating it to trigger re-crawls is a manual
     action risk and wastes crawl budget.

  4. Every URL listed here must be in your HTML sitemap or at least
     internally linked. Orphans get crawled rarely.

  TODO: uncomment entries below as you publish those pages.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
        http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">

    <!-- ============ HOME ============ -->
    <!-- Update lastmod to your actual deploy date every time you change the
         rate data. This is your most important freshness signal. -->
    <url>
        <loc>https://dacalculator.tech/</loc>
        <lastmod>2026-10-08</lastmod>
        <changefreq>weekly</changefreq>
        <priority>1.0</priority>
    </url>

    <!-- ============ PUBLISHED ============ -->
    <url>
        <loc>https://dacalculator.tech/da-arrears-calculator</loc>
        <lastmod>2026-10-08</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>

    <url>
        <loc>https://dacalculator.tech/privacy</loc>
        <lastmod>2026-10-08</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>

    <!--
    ============ NEXT UP — uncomment as you ship each ============

    HIGH PRIORITY
    <url>
        <loc>https://dacalculator.tech/da-hike-july-2026</loc>
        <lastmod>2026-10-08</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
    </url>

    <url>
        <loc>https://dacalculator.tech/8th-pay-commission</loc>
        <lastmod>2026-10-08</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
    </url>

    <url>
        <loc>https://dacalculator.tech/8th-cpc-fitment-factor-calculator</loc>
        <lastmod>2026-10-08</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>

    <url>
        <loc>https://dacalculator.tech/7th-cpc-pay-matrix</loc>
        <lastmod>2026-10-08</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>

    <url>
        <loc>https://dacalculator.tech/dearness-relief-calculator</loc>
        <lastmod>2026-10-08</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>

    <url>
        <loc>https://dacalculator.tech/da-rate-history</loc>
        <lastmod>2026-10-08</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>

    <url>
        <loc>https://dacalculator.tech/aicpi-iw-index</loc>
        <lastmod>2026-10-08</lastmod>
        <changefreq>daily</changefreq>
        <priority>0.7</priority>
    </url>

    MEDIUM PRIORITY
    <url>
        <loc>https://dacalculator.tech/hra-calculator</loc>
        <lastmod>2026-10-08</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>

    <url>
        <loc>https://dacalculator.tech/salary-calculator</loc>
        <lastmod>2026-10-08</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>

    <url>
        <loc>https://dacalculator.tech/da-hike-january-2027</loc>
        <lastmod>2026-10-08</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.7</priority>
    </url>

    <url>
        <loc>https://dacalculator.tech/hra-city-classes</loc>
        <lastmod>2026-10-08</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.6</priority>
    </url>

    <url>
        <loc>https://dacalculator.tech/about</loc>
        <lastmod>2026-10-08</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.4</priority>
    </url>

    LOW PRIORITY / TRUST
    <url>
        <loc>https://dacalculator.tech/terms</loc>
        <lastmod>2026-10-08</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>

    <url>
        <loc>https://dacalculator.tech/contact</loc>
        <lastmod>2026-10-08</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>

    LOCALISATION — add only after the Hindi pages exist
    <url>
        <loc>https://dacalculator.tech/hi/da-calculator</loc>
        <lastmod>2026-10-08</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    -->

</urlset>