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  <!-- Homepage -->
  <url>
    <loc>https://budgetvault.app/</loc>
    <lastmod>2026-02-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Blog Index -->
  <url>
    <loc>https://budgetvault.app/blog</loc>
    <lastmod>2026-03-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Blog Articles — High Priority (privacy/alternatives niche) -->
  <url>
    <loc>https://budgetvault.app/blog/cfpb-financial-data-rights-rule-2026</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/free-budget-app-no-subscription</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/what-is-plaid-budget-app</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/best-offline-budget-app-2026</loc>
    <lastmod>2026-03-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/privacy-first-alternatives</loc>
    <lastmod>2026-03-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/expense-tracking-app-privacy-2026</loc>
    <lastmod>2026-03-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/best-ynab-alternatives-2026</loc>
    <lastmod>2026-03-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/which-budget-apps-sell-your-data-2026</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/budget-app-without-bank-sync</loc>
    <lastmod>2026-03-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/budget-app-without-account</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/free-zero-based-budgeting-apps-2026</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/budgeting-app-for-couples-without-bank-sync</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/vs-mint</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/vs-ynab</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/vs-excel</loc>
    <lastmod>2026-02-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/financial-privacy-2026</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/track-expenses-without-compromising-privacy</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/local-first-apps-future-personal-finance</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/indexeddb-vs-cloud</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/hidden-costs-free-budget-apps</loc>
    <lastmod>2026-02-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/50-30-20-budget-rule-2026</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/financial-independence-roadmap-beginners</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/create-realistic-monthly-budget-2026</loc>
    <lastmod>2026-01-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/cut-monthly-expenses-without-sacrifice</loc>
    <lastmod>2026-02-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/zero-based-budgeting-guide</loc>
    <lastmod>2026-03-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/save-500-month</loc>
    <lastmod>2026-01-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/psychology-of-money</loc>
    <lastmod>2026-01-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/building-emergency-fund</loc>
    <lastmod>2026-01-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://budgetvault.app/blog/recurring-expenses-optimization</loc>
    <lastmod>2026-01-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Legal & Trust Pages -->
  <url>
    <loc>https://budgetvault.app/about</loc>
    <lastmod>2026-02-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://budgetvault.app/contact</loc>
    <lastmod>2026-02-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://budgetvault.app/privacy</loc>
    <lastmod>2026-02-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://budgetvault.app/terms</loc>
    <lastmod>2026-02-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
</urlset>
