<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">

  <!-- ── Core pages ── -->
  <url>
    <loc>https://www.mindsbudget.com/</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <url>
    <loc>https://www.mindsbudget.com/pricing</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.mindsbudget.com/scanner</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.mindsbudget.com/about</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- /pro excluded: ProDashboard is auth-gated and API-dependent.
       react-snap does not prerender it. Crawlers see a loading spinner.
       Re-add only if a static marketing page is built for that route. -->

  <!-- ── Acquisition / SEO landing pages ── -->
  <url>
    <loc>https://www.mindsbudget.com/mint-alternative</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ── Tools hub + individual tools ── -->
  <url>
    <loc>https://www.mindsbudget.com/tools</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://www.mindsbudget.com/tools/budget-calculator</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.mindsbudget.com/tools/paycheck-planner</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.mindsbudget.com/tools/financial-health-score</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.mindsbudget.com/tools/debt-payoff-calculator</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ── Guides hub + individual guides ── -->
  <url>
    <loc>https://www.mindsbudget.com/guides</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://www.mindsbudget.com/guides/monthly-spending-review-guide</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.mindsbudget.com/guides/how-often-review-finances</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.mindsbudget.com/guides/find-recurring-subscriptions</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.mindsbudget.com/guides/subscription-audit</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.mindsbudget.com/guides/living-paycheck-to-paycheck</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.mindsbudget.com/guides/how-to-lower-monthly-expenses</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.mindsbudget.com/guides/how-to-track-monthly-spending</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── Bank CSV export guides ── -->
  <url>
    <loc>https://www.mindsbudget.com/guides/export-chase-transactions-csv</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.75</priority>
  </url>

  <url>
    <loc>https://www.mindsbudget.com/guides/export-wells-fargo-transactions-csv</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.75</priority>
  </url>

  <url>
    <loc>https://www.mindsbudget.com/guides/export-bank-of-america-transactions-csv</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.75</priority>
  </url>

  <url>
    <loc>https://www.mindsbudget.com/guides/export-capital-one-transactions-csv</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.75</priority>
  </url>

  <url>
    <loc>https://www.mindsbudget.com/guides/export-discover-transactions-csv</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- ── Legal ── -->
  <url>
    <loc>https://www.mindsbudget.com/privacy</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

  <url>
    <loc>https://www.mindsbudget.com/terms</loc>
    <lastmod>2026-04-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

  <url>
    <loc>https://www.mindsbudget.com/disclaimer</loc>
    <lastmod>2026-05-14</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
