<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">
  <!-- Main page - Macedonian as primary -->
  <url>
    <loc>https://www.kalkulirai.com/</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="mk" href="https://www.kalkulirai.com/?lang=mk"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.kalkulirai.com/?lang=en"/>
    <xhtml:link rel="alternate" hreflang="sq" href="https://www.kalkulirai.com/?lang=sq"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.kalkulirai.com/?lang=mk"/>
  </url>
  
  <!-- Macedonian version (highest priority) -->
  <url>
    <loc>https://www.kalkulirai.com/?lang=mk</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  
  <!-- English version -->
  <url>
    <loc>https://www.kalkulirai.com/?lang=en</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Albanian version -->
  <url>
    <loc>https://www.kalkulirai.com/?lang=sq</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Clean path calculator pages (prioritized for SEO) -->
  <url>
    <loc>https://www.kalkulirai.com/loan</loc>
    <lastmod>2026-03-30</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>

  <url>
    <loc>https://www.kalkulirai.com/deposit</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.kalkulirai.com/budget</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.kalkulirai.com/payroll</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.95</priority>
  </url>

  <url>
    <loc>https://www.kalkulirai.com/pension</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.kalkulirai.com/bank-comparison</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.kalkulirai.com/vehicle</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.kalkulirai.com/exchange-rate</loc>
    <lastmod>2026-03-17</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="mk" href="https://www.kalkulirai.com/exchange-rate"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.kalkulirai.com/exchange-rate?lang=en"/>
    <xhtml:link rel="alternate" hreflang="sq" href="https://www.kalkulirai.com/exchange-rate?lang=sq"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.kalkulirai.com/exchange-rate"/>
  </url>

  <url>
    <loc>https://www.kalkulirai.com/about</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.kalkulirai.com/education</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.kalkulirai.com/privacy</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Query-based calculator pages (lower priority) -->
  <url>
    <loc>https://www.kalkulirai.com/?lang=mk&amp;calculator=loan</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.kalkulirai.com/?lang=mk&amp;calculator=budget</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.kalkulirai.com/?lang=mk&amp;calculator=deposit</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.kalkulirai.com/?lang=mk&amp;calculator=bank-comparison</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.kalkulirai.com/?lang=mk&amp;calculator=payroll</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.kalkulirai.com/?lang=mk&amp;calculator=pension</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.kalkulirai.com/?lang=mk&amp;calculator=vehicle</loc>
    <lastmod>2026-03-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
</urlset>