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<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- 메인 랜딩 페이지 -->
  <url>
    <loc>https://ok-calc.com</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- ==================== 생활 계산기 ==================== -->

  <!-- 생활 계산기 - 평수 -->
  <url>
    <loc>https://ok-calc.com/life/area</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 생활 계산기 - 음력 -->
  <url>
    <loc>https://ok-calc.com/life/lunar</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 생활 계산기 - 나이/띠 -->
  <url>
    <loc>https://ok-calc.com/life/age</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 생활 계산기 - 칠순/팔순 -->
  <url>
    <loc>https://ok-calc.com/life/anniversary</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 생활 계산기 - 반려동물 나이 -->
  <url>
    <loc>https://ok-calc.com/life/pet-age</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 생활 계산기 - 정확한 시각/타이머 -->
  <url>
    <loc>https://ok-calc.com/life/timer</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ==================== 금융 계산기 ==================== -->

  <!-- 금융 계산기 - 예금이자 -->
  <url>
    <loc>https://ok-calc.com/money/deposit</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 금융 계산기 - 대출이자 -->
  <url>
    <loc>https://ok-calc.com/money/loan</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 금융 계산기 - 복리 -->
  <url>
    <loc>https://ok-calc.com/money/compound</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 금융 계산기 - 자동차할부 -->
  <url>
    <loc>https://ok-calc.com/money/car-loan</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 금융 계산기 - 주식수익률 -->
  <url>
    <loc>https://ok-calc.com/money/stock</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 금융 계산기 - 평균단가 -->
  <url>
    <loc>https://ok-calc.com/money/avg-price</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 금융 계산기 - 목표가 -->
  <url>
    <loc>https://ok-calc.com/money/target-price</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 금융 계산기 - 배당금 -->
  <url>
    <loc>https://ok-calc.com/money/dividend</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ==================== 소득 계산기 ==================== -->

  <!-- 소득 계산기 - 연봉 실수령액 -->
  <url>
    <loc>https://ok-calc.com/income/salary</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 소득 계산기 - 퇴직금 -->
  <url>
    <loc>https://ok-calc.com/income/severance</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 소득 계산기 - 실업급여 -->
  <url>
    <loc>https://ok-calc.com/income/unemployment</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 소득 계산기 - 국민연금 -->
  <url>
    <loc>https://ok-calc.com/income/national-pension</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 소득 계산기 - 소득인정액 -->
  <url>
    <loc>https://ok-calc.com/income/income-recognition</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 소득 계산기 - 기초연금 -->
  <url>
    <loc>https://ok-calc.com/income/basic-pension</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 소득 계산기 - 육아휴직급여 -->
  <url>
    <loc>https://ok-calc.com/income/parental-leave</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 소득 계산기 - 최저임금 -->
  <url>
    <loc>https://ok-calc.com/income/minimum-wage</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 소득 계산기 - 주휴수당 -->
  <url>
    <loc>https://ok-calc.com/income/weekly-holiday-pay</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 소득 계산기 - 건강보험료 -->
  <url>
    <loc>https://ok-calc.com/income/health-insurance</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 소득 계산기 - 중소기업 소득세 감면 -->
  <url>
    <loc>https://ok-calc.com/income/sme-tax-reduction</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 소득 계산기 - 증여세 -->
  <url>
    <loc>https://ok-calc.com/income/gift-tax</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ==================== 부동산 계산기 ==================== -->

  <!-- 부동산 계산기 - 전월세 전환 -->
  <url>
    <loc>https://ok-calc.com/realty/rent-conversion</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 부동산 계산기 - 중개수수료 -->
  <url>
    <loc>https://ok-calc.com/realty/commission</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 부동산 계산기 - 취득세 -->
  <url>
    <loc>https://ok-calc.com/realty/acquisition-tax</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 부동산 계산기 - 청약 가점 -->
  <url>
    <loc>https://ok-calc.com/realty/subscription-point</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ==================== 건강 계산기 ==================== -->

  <!-- 건강 계산기 - BMI -->
  <url>
    <loc>https://ok-calc.com/health/bmi</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 건강 계산기 - 기초대사량 -->
  <url>
    <loc>https://ok-calc.com/health/bmr</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 건강 계산기 - 운동 칼로리 -->
  <url>
    <loc>https://ok-calc.com/health/calorie</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 건강 계산기 - 페이스 -->
  <url>
    <loc>https://ok-calc.com/health/pace</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 건강 계산기 - 물 섭취량 -->
  <url>
    <loc>https://ok-calc.com/health/water</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ==================== 재미 계산기 ==================== -->

  <!-- 재미 계산기 - 로또 실수령액 -->
  <url>
    <loc>https://ok-calc.com/fun/lotto</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ==================== 정책 페이지 ==================== -->

  <!-- 서비스 소개 -->
  <url>
    <loc>https://ok-calc.com/about</loc>
    <lastmod>2026-04-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- /terms, /privacy는 noindex 설정이므로 sitemap에서 제외 (모순 신호 방지) -->
</urlset>
