<?xml version="1.0" encoding="UTF-8"?>
<!-- Update the domain below to your production URL before publishing -->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Marketing & public pages -->
  <url><loc>https://neriofin.app/</loc><lastmod>2026-06-24</lastmod><priority>1.0</priority><changefreq>weekly</changefreq></url>
  <url><loc>https://neriofin.app/pricing</loc><lastmod>2026-06-24</lastmod><priority>0.8</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/guide</loc><lastmod>2026-06-24</lastmod><priority>0.8</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/academy</loc><lastmod>2026-06-24</lastmod><priority>0.8</priority><changefreq>weekly</changefreq></url>
  <url><loc>https://neriofin.app/constitution</loc><lastmod>2026-06-24</lastmod><priority>0.6</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/contact</loc><lastmod>2026-06-24</lastmod><priority>0.5</priority><changefreq>yearly</changefreq></url>
  <url><loc>https://neriofin.app/legal/privacy</loc><lastmod>2026-06-24</lastmod><priority>0.4</priority><changefreq>yearly</changefreq></url>
  <url><loc>https://neriofin.app/legal/terms</loc><lastmod>2026-06-24</lastmod><priority>0.4</priority><changefreq>yearly</changefreq></url>

  <!-- Financial tool hubs -->
  <url><loc>https://neriofin.app/budget</loc><lastmod>2026-06-24</lastmod><priority>0.9</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/networth</loc><lastmod>2026-06-24</lastmod><priority>0.9</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/debt</loc><lastmod>2026-06-24</lastmod><priority>0.9</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/retirement</loc><lastmod>2026-06-24</lastmod><priority>0.9</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/tax</loc><lastmod>2026-06-24</lastmod><priority>0.9</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/investments</loc><lastmod>2026-06-24</lastmod><priority>0.9</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/insurance</loc><lastmod>2026-06-24</lastmod><priority>0.9</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/real-estate</loc><lastmod>2026-06-24</lastmod><priority>0.9</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/housing</loc><lastmod>2026-06-24</lastmod><priority>0.9</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/estate</loc><lastmod>2026-06-24</lastmod><priority>0.8</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/crypto</loc><lastmod>2026-06-24</lastmod><priority>0.8</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/simulator</loc><lastmod>2026-06-24</lastmod><priority>0.8</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/life-map</loc><lastmod>2026-06-24</lastmod><priority>0.8</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/ledger</loc><lastmod>2026-06-24</lastmod><priority>0.7</priority><changefreq>monthly</changefreq></url>

  <!-- Tool sub-pages -->
  <url><loc>https://neriofin.app/investments/library</loc><lastmod>2026-06-24</lastmod><priority>0.7</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/investments/flow</loc><lastmod>2026-06-24</lastmod><priority>0.7</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/real-estate/first-time-buyer</loc><lastmod>2026-06-24</lastmod><priority>0.8</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/tax/today</loc><lastmod>2026-06-24</lastmod><priority>0.7</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/tax/library</loc><lastmod>2026-06-24</lastmod><priority>0.7</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/insurance/library</loc><lastmod>2026-06-24</lastmod><priority>0.7</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/insurance/flow</loc><lastmod>2026-06-24</lastmod><priority>0.7</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/estate/library</loc><lastmod>2026-06-24</lastmod><priority>0.7</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/estate/flow</loc><lastmod>2026-06-24</lastmod><priority>0.7</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/crypto/library</loc><lastmod>2026-06-24</lastmod><priority>0.7</priority><changefreq>monthly</changefreq></url>
  <url><loc>https://neriofin.app/crypto/flow</loc><lastmod>2026-06-24</lastmod><priority>0.7</priority><changefreq>monthly</changefreq></url>

</urlset>
