<?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 / Landing Page -->
  <url>
    <loc>https://spendclock.app/</loc>
    <lastmod>2026-09-23</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Download App Page -->
  <url>
    <loc>https://spendclock.app/download</loc>
    <lastmod>2026-09-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Support & Help Center & FAQ -->
  <url>
    <loc>https://spendclock.app/support</loc>
    <lastmod>2026-09-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Privacy Policy -->
  <url>
    <loc>https://spendclock.app/privacy</loc>
    <lastmod>2026-09-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Terms of Service -->
  <url>
    <loc>https://spendclock.app/terms</loc>
    <lastmod>2026-09-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>


  <!-- Knowledge Hub / Blog Main Page -->
  <url>
    <loc>https://spendclock.app/blog</loc>
    <lastmod>2026-10-20</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://spendclock.app/blog/how-to-track-billable-hours-as-a-freelancer</loc>
    <lastmod>2026-10-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://spendclock.app/blog/50-30-20-budget-rule-complete-guide</loc>
    <lastmod>2026-10-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://spendclock.app/blog/how-to-calculate-freelance-hourly-rate</loc>
    <lastmod>2026-10-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://spendclock.app/blog/ocr-receipt-scanning-for-small-business-expenses</loc>
    <lastmod>2026-10-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://spendclock.app/blog/pomodoro-technique-for-freelancers-and-consultants</loc>
    <lastmod>2026-10-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://spendclock.app/blog/gst-and-tax-compliant-invoicing-guide</loc>
    <lastmod>2026-10-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://spendclock.app/blog/project-profitability-revenue-vs-expense-tracking</loc>
    <lastmod>2026-10-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://spendclock.app/blog/why-offline-first-finance-apps-protect-your-privacy</loc>
    <lastmod>2026-10-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://spendclock.app/blog/how-to-manage-multiple-bank-accounts-and-wallets</loc>
    <lastmod>2026-10-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://spendclock.app/blog/zero-based-budgeting-step-by-step</loc>
    <lastmod>2026-10-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://spendclock.app/blog/reimbursable-expenses-vs-client-billing-guide</loc>
    <lastmod>2026-10-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://spendclock.app/blog/time-tracking-audit-how-to-stop-losing-unbilled-hours</loc>
    <lastmod>2026-10-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
</urlset>
