<?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>2026-09-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Smanjenje rate kredita -->
  <url>
    <loc>https://maliglupikalkulator.rs/smanjenje_rate</loc>
    <lastmod>2026-09-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Rentiranje vs Kupovina -->
  <url>
    <loc>https://maliglupikalkulator.rs/rent_vs_buy</loc>
    <lastmod>2026-09-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Početni troškovi -->
  <url>
    <loc>https://maliglupikalkulator.rs/closing_costs</loc>
    <lastmod>2026-09-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Kalkulator zaduženosti (NBS) -->
  <url>
    <loc>https://maliglupikalkulator.rs/dti</loc>
    <lastmod>2026-09-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Kalkulator zarade (bruto/neto) -->
  <url>
    <loc>https://maliglupikalkulator.rs/kalkulator_zarade</loc>
    <lastmod>2026-09-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Kalkulator inflacije -->
  <url>
    <loc>https://maliglupikalkulator.rs/inflation</loc>
    <lastmod>2026-09-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Oročena štednja -->
  <url>
    <loc>https://maliglupikalkulator.rs/savings</loc>
    <lastmod>2026-09-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Generator faktura (PDF) -->
  <url>
    <loc>https://maliglupikalkulator.rs/faktura</loc>
    <lastmod>2026-09-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Međunarodna faktura (INVOICE) -->
  <url>
    <loc>https://maliglupikalkulator.rs/medjunarodna_faktura</loc>
    <lastmod>2026-09-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Generator uplatnica (IPS QR) -->
  <url>
    <loc>https://maliglupikalkulator.rs/uplatnica</loc>
    <lastmod>2026-09-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Kalkulator zelenih površina (NDVI) -->
  <url>
    <loc>https://maliglupikalkulator.rs/zelene_povrsine</loc>
    <lastmod>2026-09-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Kalkulator kalorija -->
  <url>
    <loc>https://maliglupikalkulator.rs/fitness</loc>
    <lastmod>2026-10-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Korisni linkovi -->
  <url>
    <loc>https://maliglupikalkulator.rs/korisni_linkovi</loc>
    <lastmod>2026-09-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

</urlset>
