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

  <!-- ── Core pages ── -->
  <url>
    <loc>https://simvln.com/</loc>
    <lastmod>2026-06-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- ── Legal ── -->
  <url>
    <loc>https://simvln.com/privacy-policy</loc>
    <lastmod>2026-07-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://simvln.com/terms-of-service</loc>
    <lastmod>2026-07-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- ── Tools hub ── -->
  <url>
    <loc>https://simvln.com/tools/tools</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ── SFinance hub ── -->
  <url>
    <loc>https://simvln.com/tools/finance/finance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ── Loans & EMI ── -->
  <url>
    <loc>https://simvln.com/tools/finance/emi-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/finance/emi-compare</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/finance/credit-card-payoff-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── Investments & Returns ── -->
  <url>
    <loc>https://simvln.com/tools/finance/sip-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/finance/swp-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/finance/cagr-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/finance/compound-interest-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/finance/scenario-compare</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ── Savings & Deposits ── -->
  <url>
    <loc>https://simvln.com/tools/finance/fd-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/finance/rd-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/finance/ppf-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/finance/epf-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/finance/gratuity-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ── Tax & Salary ── -->
  <url>
    <loc>https://simvln.com/tools/finance/income-tax-calculator</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/finance/gst-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/finance/hra-calculator</loc>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ── Planning ── -->
  <url>
    <loc>https://simvln.com/tools/finance/retirement-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/finance/goal-planner</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/finance/budget-planner</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ── Converters & Everyday ── -->
  <url>
    <loc>https://simvln.com/tools/finance/currency-converter</loc>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/finance/crypto-converter</loc>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/finance/inflation-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/finance/tip-split-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ── SPDF hub ── -->
  <url>
    <loc>https://simvln.com/tools/pdf/pdf</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ── SPDF: Organise ── -->
  <url>
    <loc>https://simvln.com/tools/pdf/merge-pdf</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/pdf/split-pdf</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/pdf/organize-pdf</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/pdf/rotate-pdf</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ── SPDF: Convert ── -->
  <url>
    <loc>https://simvln.com/tools/pdf/jpg-to-pdf</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/pdf/pdf-to-jpg</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/pdf/extract-text</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ── SPDF: Edit & Stamp ── -->
  <url>
    <loc>https://simvln.com/tools/pdf/page-numbers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/pdf/watermark-pdf</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/pdf/pdf-metadata</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/pdf/esign-pdf</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ── SPDF: Optimise ── -->
  <url>
    <loc>https://simvln.com/tools/pdf/compress-pdf</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/pdf/unlock-pdf</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/pdf/ocr-pdf</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ── SPDF: Convert Office & Documents (server) ── -->
  <url>
    <loc>https://simvln.com/tools/pdf/pdf-to-word</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/pdf/pdf-to-excel</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/pdf/office-to-pdf</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ── SPDF: Secure & View ── -->
  <url>
    <loc>https://simvln.com/tools/pdf/protect-pdf</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://simvln.com/tools/pdf/pdf-viewer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

</urlset>
