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  <url>
    <loc>https://www.investapps.in/</loc>
    <lastmod>2026-07-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
    <image:image>
      <image:loc>https://www.investapps.in/og-image.png</image:loc>
      <image:title>InvestApps.in — privacy-first financial planning apps</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.investapps.in/learn/</loc>
    <lastmod>2026-06-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.investapps.in/learn/sequence-of-returns-risk.html</loc>
    <lastmod>2026-06-28</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.investapps.in/learn/bucket-strategy-retirement.html</loc>
    <lastmod>2026-06-28</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.investapps.in/learn/asset-allocation-and-rebalancing.html</loc>
    <lastmod>2026-07-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <!-- The Tracker tour. Worth indexing on its own: it is the only place the Premium tabs can be
       seen without paying, so it is a legitimate landing page for "what does it actually do". -->
  <url>
    <loc>https://www.investapps.in/tour</loc>
    <lastmod>2026-07-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <image:image>
      <image:loc>https://www.investapps.in/tour-media/1-dashboard.png</image:loc>
      <image:title>InvestApps Investment Tracker — portfolio dashboard</image:title>
    </image:image>
  </url>
  <!-- The Planner tour, for the same reason: Advanced Mode is locked to a non-subscriber, so
       this is the only place the five-bucket strategy can be seen before paying for it. -->
  <url>
    <loc>https://www.investapps.in/retirement-tour</loc>
    <lastmod>2026-07-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <image:image>
      <image:loc>https://www.investapps.in/retirement-tour-media/monte_carlo_histogram.png</image:loc>
      <image:title>InvestApps Retirement Planner — Monte Carlo sequence-of-returns simulation</image:title>
    </image:image>
  </url>

  <!-- Legal. Low priority for ranking, but they must be crawlable and indexable: a payment
       page that incorporates them by reference has to point at pages that demonstrably exist. -->
  <url>
    <loc>https://www.investapps.in/terms</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://www.investapps.in/privacy</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://www.investapps.in/refund-policy</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <!-- Revision history. Updated on each release, so it changes more often than the legal pages. -->
  <url>
    <loc>https://www.investapps.in/revision-history</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
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