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  <url><loc>https://payslipcheck.co.uk/redundancy-calculator</loc><changefreq>monthly</changefreq><priority>0.80</priority></url>

  <!-- Salary landing pages -->
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  <!-- Editorial cluster: payslip understanding -->
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  <url><loc>https://payslipcheck.co.uk/why-has-my-pay-changed/</loc><changefreq>monthly</changefreq><priority>0.85</priority></url>

  <!-- Editorial cluster: salary after tax -->
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  <url><loc>https://payslipcheck.co.uk/is-50000-a-good-salary-uk/</loc><changefreq>monthly</changefreq><priority>0.90</priority></url>
  <url><loc>https://payslipcheck.co.uk/uk-average-salary/</loc><changefreq>monthly</changefreq><priority>0.95</priority></url>
  <url><loc>https://payslipcheck.co.uk/what-is-the-higher-rate-tax-threshold/</loc><changefreq>monthly</changefreq><priority>0.90</priority></url>
  <url><loc>https://payslipcheck.co.uk/why-does-my-take-home-pay-change/</loc><changefreq>monthly</changefreq><priority>0.85</priority></url>

  <!-- Editorial cluster: pension & optimisation -->
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  <url><loc>https://payslipcheck.co.uk/how-pension-contributions-affect-take-home-pay/</loc><changefreq>monthly</changefreq><priority>0.90</priority></url>
  <url><loc>https://payslipcheck.co.uk/is-salary-sacrifice-worth-it/</loc><changefreq>monthly</changefreq><priority>0.90</priority></url>
  <url><loc>https://payslipcheck.co.uk/pension-tax-relief-explained/</loc><changefreq>monthly</changefreq><priority>0.95</priority></url>
  <url><loc>https://payslipcheck.co.uk/higher-rate-pension-tax-relief/</loc><changefreq>monthly</changefreq><priority>0.90</priority></url>

  <!-- Blog: tax codes (remaining — pending migration in Cluster 2 expansion) -->
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  <!-- Blog: pensions -->
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  <!-- Blog: contractor & self-employed -->
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  <url><loc>https://payslipcheck.co.uk/blog/umbrella-vs-limited-company</loc><changefreq>monthly</changefreq><priority>0.90</priority></url>
  <url><loc>https://payslipcheck.co.uk/blog/sole-trader-vs-limited-company</loc><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://payslipcheck.co.uk/blog/dividend-tax-rates</loc><changefreq>monthly</changefreq><priority>0.85</priority></url>

  <!-- Glossary -->
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  <url><loc>https://payslipcheck.co.uk/glossary/paye/</loc><changefreq>monthly</changefreq><priority>0.75</priority></url>
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  <!-- Editorial / trust -->
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  <url><loc>https://payslipcheck.co.uk/methodology/</loc><changefreq>yearly</changefreq><priority>0.60</priority></url>

  <!-- Site -->
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