<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://aimhabits.com/</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/features</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/how-it-works</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/pricing</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/about</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/blog</loc>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- SEO Directory & Master Cluster Index -->
  <url>
    <loc>https://aimhabits.com/directory</loc>
    <changefreq>daily</changefreq>
    <priority>0.95</priority>
  </url>

  <!-- Financial Calculators -->
  <url>
    <loc>https://aimhabits.com/tools/safe-to-spend-calculator</loc>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>

  <!-- Competitor Comparisons -->
  <url>
    <loc>https://aimhabits.com/compare/aimhabits-vs-ynab</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/compare/aimhabits-vs-copilot-money</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/compare/aimhabits-vs-monarch-money</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/compare/aimhabits-vs-habitica</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Programmatic Financial Glossary -->
  <url>
    <loc>https://aimhabits.com/glossary</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/glossary/safe-to-spend</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/glossary/cashflow-velocity</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/glossary/model-context-protocol</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/glossary/fire-movement</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Programmatic Budget Templates -->
  <url>
    <loc>https://aimhabits.com/templates</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/templates/50-30-20-budget</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/templates/zero-based-budget</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Programmatic Expense Category Guides -->
  <url>
    <loc>https://aimhabits.com/categories</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/categories/food-and-dining</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/categories/subscriptions</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Programmatic Savings Challenges -->
  <url>
    <loc>https://aimhabits.com/challenges</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/challenges/52-week-savings-challenge</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/challenges/30-day-no-spend-challenge</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Programmatic How-To Guides -->
  <url>
    <loc>https://aimhabits.com/guides</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/guides/how-to-calculate-runway</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/guides/how-to-automate-money-reviews</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Global Country Landing Hubs -->
  <url>
    <loc>https://aimhabits.com/in</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/us</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/uk</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://aimhabits.com/ca</loc>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
</urlset>
