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        xmlns:xhtml="http://www.w3.org/1999/xhtml"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">

  <!-- Landing Page -->
  <url>
    <loc>https://total-worth.com/</loc>
    <lastmod>2026-02-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
    <image:image>
      <image:loc>https://total-worth.com/icon.svg</image:loc>
      <image:title>Total Worth - Personal Wealth Tracker</image:title>
    </image:image>
  </url>

  <!-- Dashboard -->
  <url>
    <loc>https://total-worth.com/dashboard</loc>
    <lastmod>2026-02-11</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Fixed Assets -->
  <url>
    <loc>https://total-worth.com/assets</loc>
    <lastmod>2026-02-11</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Cash / Liquidity -->
  <url>
    <loc>https://total-worth.com/cash</loc>
    <lastmod>2026-02-11</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Investments -->
  <url>
    <loc>https://total-worth.com/investments</loc>
    <lastmod>2026-02-11</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- About -->
  <url>
    <loc>https://total-worth.com/about</loc>
    <lastmod>2026-02-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- How It Works -->
  <url>
    <loc>https://total-worth.com/how-it-works</loc>
    <lastmod>2026-02-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Privacy Policy -->
  <url>
    <loc>https://total-worth.com/privacy</loc>
    <lastmod>2026-02-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

</urlset>
