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

  <!-- Hub priority corrected: 0.95 → 0.88 (1.0 is homepage-only; 0.88 for country hubs) -->
  <url>
    <loc>https://www.globalcalqulate.com/country/canada/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.88</priority>
  </url>

  <!-- ========================= -->
  <!-- Canada Tax Calculators -->
  <!-- ========================= -->

  <url>
    <loc>https://www.globalcalqulate.com/country/canada/income-tax-calculator/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.86</priority>
  </url>

  <!-- Slug fixed: gst_hst_calculator (underscores) → gst-hst-calculator (hyphens).
       A 301 redirect from the old slug should be added to next.config.mjs. -->
  <url>
    <loc>https://www.globalcalqulate.com/country/canada/gst-hst-calculator/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.84</priority>
  </url>

  <url>
    <loc>https://www.globalcalqulate.com/country/canada/tax-refund-calculator/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.82</priority>
  </url>

  <!-- ========================= -->
  <!-- Canada Salary & Payroll Calculators -->
  <!-- ========================= -->

  <url>
    <loc>https://www.globalcalqulate.com/country/canada/salary-calculator/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.84</priority>
  </url>

  <url>
    <loc>https://www.globalcalqulate.com/country/canada/payroll-calculator/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.83</priority>
  </url>

  <url>
    <loc>https://www.globalcalqulate.com/country/canada/take-home-pay-calculator/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.82</priority>
  </url>

  <url>
    <loc>https://www.globalcalqulate.com/country/canada/hourly-to-salary/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>

  <!-- ========================= -->
  <!-- Canada Retirement & Savings Calculators -->
  <!-- ========================= -->

  <url>
    <loc>https://www.globalcalqulate.com/country/canada/rrsp-calculator/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.86</priority>
  </url>

  <url>
    <loc>https://www.globalcalqulate.com/country/canada/rrsp-vs-tfsa-calculator/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.84</priority>
  </url>

  <url>
    <loc>https://www.globalcalqulate.com/country/canada/tfsa-calculator/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.84</priority>
  </url>

  <url>
    <loc>https://www.globalcalqulate.com/country/canada/cpp-retirement-calculator/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.84</priority>
  </url>

  <url>
    <loc>https://www.globalcalqulate.com/country/canada/oas-calculator/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.83</priority>
  </url>

  <url>
    <loc>https://www.globalcalqulate.com/country/canada/ei-calculator/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.82</priority>
  </url>

  <!-- ========================= -->
  <!-- Canada Mortgage & Property Calculators -->
  <!-- ========================= -->

  <url>
    <loc>https://www.globalcalqulate.com/country/canada/mortgage-calculator/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.86</priority>
  </url>

  <url>
    <loc>https://www.globalcalqulate.com/country/canada/mortgage-affordability-calculator/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://www.globalcalqulate.com/country/canada/property-tax-calculator/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.83</priority>
  </url>

  <url>
    <loc>https://www.globalcalqulate.com/country/canada/rent-vs-buy-calculator/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>

  <!-- ========================= -->
  <!-- Canada Debt & Loan Calculators -->
  <!-- ========================= -->

  <url>
    <loc>https://www.globalcalqulate.com/country/canada/student-loan-repayment-calculator/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.82</priority>
  </url>

  <url>
    <loc>https://www.globalcalqulate.com/country/canada/car-loan-calculator/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>

  <url>
    <loc>https://www.globalcalqulate.com/country/canada/credit-card-payoff-calculator/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>

  <url>
    <loc>https://www.globalcalqulate.com/country/canada/debt-snowball-calculator/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.79</priority>
  </url>

</urlset>
