<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Homepage -->
  <url><loc>https://whatsuk.com/</loc><lastmod>2026-03-31</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>

  <!-- Pillar hubs -->
  <url><loc>https://whatsuk.com/salary/</loc><lastmod>2026-03-31</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://whatsuk.com/tax/</loc><lastmod>2026-03-31</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://whatsuk.com/property/</loc><lastmod>2026-03-31</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://whatsuk.com/business/</loc><lastmod>2026-03-31</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://whatsuk.com/finance/</loc><lastmod>2026-03-31</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://whatsuk.com/tools/</loc><lastmod>2026-03-31</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>

  <!-- Salary calculators (7) -->
  <url><loc>https://whatsuk.com/salary/salary-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/salary/pro-rata-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/salary/salary-sacrifice-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/salary/bonus-tax-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/salary/hourly-to-annual-salary/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/salary/overtime-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/salary/employer-ni-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Tax calculators (9) -->
  <url><loc>https://whatsuk.com/tax/income-tax-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/tax/national-insurance-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/tax/corporation-tax-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/tax/vat-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/tax/cis-tax-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/tax/capital-gains-tax-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/tax/dividend-tax-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/tax/inheritance-tax-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/tax/self-assessment-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Property calculators (8) -->
  <url><loc>https://whatsuk.com/property/stamp-duty-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/property/mortgage-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/property/mortgage-overpayment-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/property/ltv-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/property/buy-to-let-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/property/bridging-loan-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/property/rental-yield-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/property/equity-release-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Business calculators (8) -->
  <url><loc>https://whatsuk.com/business/ir35-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/business/contractor-take-home-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/business/limited-company-tax-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/business/dividend-tax-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/business/profit-margin-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/business/break-even-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/business/markup-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/business/invoice-generator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Finance calculators (8) -->
  <url><loc>https://whatsuk.com/finance/compound-interest-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/finance/savings-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/finance/debt-repayment-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/finance/student-loan-repayment-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/finance/credit-card-payoff-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/finance/emergency-fund-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/finance/inflation-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/finance/net-worth-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Tools calculators (8) -->
  <url><loc>https://whatsuk.com/tools/car-finance-claim-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/tools/redundancy-pay-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/tools/pension-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/tools/holiday-entitlement-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/tools/bmi-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/tools/child-maintenance-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/tools/energy-cost-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whatsuk.com/tools/solar-panel-roi-calculator/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Index pages -->
  <url><loc>https://whatsuk.com/calculators/</loc><lastmod>2026-03-31</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/</loc><lastmod>2026-03-31</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url>

  <!-- Blog posts (42) -->
  <url><loc>https://whatsuk.com/blog/how-to-calculate-take-home-pay-2025-26/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/vat-guide-uk-small-businesses-2025/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/ltv-explained/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/ir35-inside-outside-contractors-guide/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/compound-interest-build-wealth-uk/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/average-uk-salary-2025/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/stamp-duty-rates-2025-26/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/mortgage-overpayment-guide/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/corporation-tax-rates-2025-26/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/cis-deductions-explained/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/ir35-explained/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/national-insurance-rates-2025-26/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/salary-sacrifice-explained/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/vat-rates-2025-26/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/buy-to-let-tax-changes/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/compound-interest-explained/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/solar-panels-worth-it-uk/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/energy-price-cap-explained/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/statutory-redundancy-pay-2025/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/child-maintenance-calculation/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/credit-card-minimum-payments/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/inflation-savings-real-return/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/uk-net-worth-by-age/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/income-tax-bands-2025-26/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/how-to-read-your-payslip-uk/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/bonus-tax-uk/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/pro-rata-salary-explained/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/overtime-tax-uk/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/employer-national-insurance-2025/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/vat-registration-guide-uk/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/capital-gains-tax-uk-2025/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/dividend-tax-rates-2025-26/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/inheritance-tax-uk-2025/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/mortgage-affordability-uk/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/rental-yield-explained/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/limited-company-vs-sole-trader/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/profit-margin-benchmarks-uk/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/break-even-analysis-uk/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/self-assessment-guide-uk/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/emergency-fund-uk/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/student-loan-repayment-explained/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whatsuk.com/blog/pension-auto-enrolment-guide/</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Trust & E-E-A-T pages -->
  <url><loc>https://whatsuk.com/about/</loc><lastmod>2026-03-31</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://whatsuk.com/author/james-hartley/</loc><lastmod>2026-03-31</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://whatsuk.com/methodology/</loc><lastmod>2026-03-31</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://whatsuk.com/data-sources/</loc><lastmod>2026-03-31</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://whatsuk.com/editorial-guidelines/</loc><lastmod>2026-03-31</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://whatsuk.com/updates/</loc><lastmod>2026-03-31</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://whatsuk.com/contact/</loc><lastmod>2026-03-31</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
</urlset>
