<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Core Pages -->
  <url>
    <loc>https://trackorapp.in/</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/features</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/how-it-works</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/about</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/contact</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/faq</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Educational Guides -->
  <url>
    <loc>https://trackorapp.in/budgeting-guide</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/savings-guide</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/debt-management-guide</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  
  <!-- Blog Index -->
  <url>
    <loc>https://trackorapp.in/blog</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Blog Articles -->
  <url>
    <loc>https://trackorapp.in/blog/personal-finance-basics</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/blog/smart-budgeting-strategies</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/blog/debt-payoff-strategies</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/blog/subscription-audit-guide</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/blog/what-is-personal-finance</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/blog/why-tracking-expenses</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/blog/fifty-thirty-twenty-rule</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/blog/build-emergency-fund</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/blog/money-management-students</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/blog/control-unnecessary-spending</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/blog/freelancer-income-tracking</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/blog/digital-vs-manual-tracking</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/blog/financial-goal-setting</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/blog/psychology-of-spending</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  
  <!-- Legal Pages -->
  <url>
    <loc>https://trackorapp.in/privacy</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/terms</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://trackorapp.in/disclaimer</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
</urlset>
