<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
        http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">
  
  <!-- Homepage / Kreditni kalkulator -->
  <url>
    <loc>https://maliglupikalkulator.rs/</loc>
    <lastmod>2025-12-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  
  <!-- Kreditni kalkulator (index.html) -->
  <url>
    <loc>https://maliglupikalkulator.rs/index.html</loc>
    <lastmod>2025-12-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  
  <!-- Kalkulator zaduženosti -->
  <url>
    <loc>https://maliglupikalkulator.rs/dti.html</loc>
    <lastmod>2025-12-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Rentiranje vs Kupovina -->
  <url>
    <loc>https://maliglupikalkulator.rs/rent_vs_buy.html</loc>
    <lastmod>2025-12-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Početni troškovi -->
  <url>
    <loc>https://maliglupikalkulator.rs/closing_costs.html</loc>
    <lastmod>2025-12-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Oročena štednja -->
  <url>
    <loc>https://maliglupikalkulator.rs/savings.html</loc>
    <lastmod>2025-12-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Kalkulator inflacije -->
  <url>
    <loc>https://maliglupikalkulator.rs/inflation.html</loc>
    <lastmod>2025-12-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Politika privatnosti -->
  <url>
    <loc>https://maliglupikalkulator.rs/privacy.html</loc>
    <lastmod>2025-12-25</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  
</urlset>
