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  <!-- Primary Landing / Main Calculator -->
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  <url>
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    <lastmod>2026-09-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Interactive Calculators & Tools -->
  <url>
    <loc>https://1099vsw2calculator.xyz/#equivalent-salary</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://1099vsw2calculator.xyz/#rate-calculator</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://1099vsw2calculator.xyz/#battle</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://1099vsw2calculator.xyz/#employer</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://1099vsw2calculator.xyz/#state-matrix</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://1099vsw2calculator.xyz/#international</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Guides, Research & Intelligence -->
  <url>
    <loc>https://1099vsw2calculator.xyz/#guide</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://1099vsw2calculator.xyz/#reddit</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://1099vsw2calculator.xyz/#same-employer</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://1099vsw2calculator.xyz/#ai-tools</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://1099vsw2calculator.xyz/#methodology</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Trust & Legal -->
  <url>
    <loc>https://1099vsw2calculator.xyz/#about</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://1099vsw2calculator.xyz/#privacy</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://1099vsw2calculator.xyz/#disclaimer</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://1099vsw2calculator.xyz/#terms</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
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