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<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <!-- Home (ES, no EN equivalent) -->
  <url>
    <loc>https://pirfila.com/</loc>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="es" href="https://pirfila.com/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pirfila.com/"/>
  </url>

  <!-- Mortgage Calculator — ES -->
  <url>
    <loc>https://pirfila.com/hipotecas/calculadora-hipoteca</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="es" href="https://pirfila.com/hipotecas/calculadora-hipoteca"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://pirfila.com/mortgages/mortgage-calculator-spain"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pirfila.com/hipotecas/calculadora-hipoteca"/>
  </url>

  <!-- Mortgage Calculator — EN -->
  <url>
    <loc>https://pirfila.com/mortgages/mortgage-calculator-spain</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="es" href="https://pirfila.com/hipotecas/calculadora-hipoteca"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://pirfila.com/mortgages/mortgage-calculator-spain"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pirfila.com/hipotecas/calculadora-hipoteca"/>
  </url>

  <!-- Investment Calculator — ES -->
  <url>
    <loc>https://pirfila.com/inversiones/calculadora-inversion</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="es" href="https://pirfila.com/inversiones/calculadora-inversion"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://pirfila.com/investments/compound-interest-calculator"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pirfila.com/inversiones/calculadora-inversion"/>
  </url>

  <!-- Investment Calculator — EN -->
  <url>
    <loc>https://pirfila.com/investments/compound-interest-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="es" href="https://pirfila.com/inversiones/calculadora-inversion"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://pirfila.com/investments/compound-interest-calculator"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pirfila.com/inversiones/calculadora-inversion"/>
  </url>

  <!-- Mortgage vs. Investment Comparison — ES -->
  <url>
    <loc>https://pirfila.com/decisiones/amortizar-hipoteca-o-invertir</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="es" href="https://pirfila.com/decisiones/amortizar-hipoteca-o-invertir"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://pirfila.com/decisions/pay-off-mortgage-or-invest"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pirfila.com/decisiones/amortizar-hipoteca-o-invertir"/>
  </url>

  <!-- Mortgage vs. Investment Comparison — EN -->
  <url>
    <loc>https://pirfila.com/decisions/pay-off-mortgage-or-invest</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="es" href="https://pirfila.com/decisiones/amortizar-hipoteca-o-invertir"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://pirfila.com/decisions/pay-off-mortgage-or-invest"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pirfila.com/decisiones/amortizar-hipoteca-o-invertir"/>
  </url>

  <!-- Savings Decision Guide (ES only) -->
  <url>
    <loc>https://pirfila.com/decisiones/que-hacer-con-mis-ahorros</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="es" href="https://pirfila.com/decisiones/que-hacer-con-mis-ahorros"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pirfila.com/decisiones/que-hacer-con-mis-ahorros"/>
  </url>

  <!-- Learn (ES only) -->
  <url>
    <loc>https://pirfila.com/aprender</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
    <xhtml:link rel="alternate" hreflang="es" href="https://pirfila.com/aprender"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pirfila.com/aprender"/>
  </url>

</urlset>
