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    <url><loc>https://optiml.co.uk/products/invest/</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/products/pension/</loc><lastmod>2025-09-29</lastmod></url>

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    <!-- Compare - Borrow -->
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    <!-- Calculators - Pre-refactor -->    
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    <url><loc>https://optiml.co.uk/calculators/save/compound-interest-advanced.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/save/compound-interest.html</loc><lastmod>2025-09-29</lastmod></url>
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    <url><loc>https://optiml.co.uk/calculators/save/fscs-protection.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/save/gross-aer.html</loc><lastmod>2025-09-29</lastmod></url> 
    <url><loc>https://optiml.co.uk/calculators/save/how-to-save-for-a-holiday.html</loc><lastmod>2025-09-29</lastmod></url>
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    <url><loc>https://optiml.co.uk/calculators/save/penalty-interest.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/save/periodic-savings-amount.html</loc><lastmod>2025-09-29</lastmod></url>
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    <url><loc>https://optiml.co.uk/calculators/save/savings-growth.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/save/savings-growth-advanced.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/save/simple-interest-advanced.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/save/simple-interest.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/save/simple-vs-compound-interest.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/save/time-to-double.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/save/time-to-target.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/save/time-to-target-advanced.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/save/ultimate-savings-calculator.html</loc><lastmod>2025-09-29</lastmod></url>

    <!-- Calculators - Borrow -->

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    <url><loc>https://optiml.co.uk/calculators/borrow/credit-card/calculator.html</loc><lastmod>2025-09-29</lastmod></url> 
    <url><loc>https://optiml.co.uk/calculators/borrow/credit-card/compare-switch-rates.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/borrow/credit-card/interest.html</loc><lastmod>2025-09-29</lastmod></url>
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    <url><loc>https://optiml.co.uk/calculators/borrow/credit-card/overpay-advanced.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/borrow/credit-card/overpay.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/borrow/credit-card/switch-overpay-advanced.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/borrow/credit-card/switch-overpay.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/borrow/credit-card/switch.html</loc><lastmod>2025-09-29</lastmod></url>
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    <!-- Loan -->
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    <url><loc>https://optiml.co.uk/calculators/borrow/loan/overpay-advanced.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/borrow/loan/overpay.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/borrow/loan/repayment-advanced.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/borrow/loan/repayment.html</loc><lastmod>2025-09-29</lastmod></url>   

    <!-- Mortgage -->
    <url><loc>https://optiml.co.uk/calculators/borrow/mortgage/borrowing-range.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/borrow/mortgage/compare-two-fixed-rates.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/borrow/mortgage/modeller-advanced.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/borrow/mortgage/modeller.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/borrow/mortgage/monthly-payment.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/borrow/mortgage/mortgage-from-monthly-payment.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/borrow/mortgage/overpay-advanced.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/borrow/mortgage/overpay.html</loc><lastmod>2025-09-29</lastmod></url>

    <!-- General -->
    <url><loc>https://optiml.co.uk/calculators/borrow/apr-nominal.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/borrow/nominal-apr.html</loc><lastmod>2025-09-29</lastmod></url>

    <!-- Calculators - Invest -->
    <url><loc>https://optiml.co.uk/calculators/invest/investment-growth-advanced.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/investment-growth.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/junior-isa.html</loc><lastmod>2025-09-29</lastmod></url>
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    <url><loc>https://optiml.co.uk/calculators/invest/portfolio-rebalancing.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/real-growth-rate.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/time-to-target-advanced.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/time-to-target.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/time-weighted-return.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/weighted-average-return.html</loc><lastmod>2025-09-29</lastmod></url>

    <!-- Metrics -->
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    <url><loc>https://optiml.co.uk/calculators/invest/metrics/r-squared.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/metrics/ulcer-index.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/metrics/var.html</loc><lastmod>2025-09-29</lastmod></url>

    <!-- Ratios -->
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    <url><loc>https://optiml.co.uk/calculators/invest/ratios/downside-deviation-and-sortino.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/ratios/information-ratio.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/ratios/jensens-alpha.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/ratios/m2.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/ratios/omega.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/ratios/sharpe.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/ratios/sortino.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/ratios/treynor.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/ratios/upside-potential.html</loc><lastmod>2025-09-29</lastmod></url>

    <!-- Stats -->
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    <url><loc>https://optiml.co.uk/calculators/invest/stats/drawdown-deviation.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/stats/maximum-drawdown.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/stats/standard-deviation-and-variance.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/stats/standard-deviation.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/stats/tracking-error.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/stats/variance.html</loc><lastmod>2025-09-29</lastmod></url>

    <!-- Quick calcs -->
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    <url><loc>https://optiml.co.uk/calculators/invest/quick/calmar.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/quick/maximum-drawdown.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/quick/omega.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/quick/sharpe.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/quick/standard-deviation.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/invest/quick/variance.html</loc><lastmod>2025-09-29</lastmod></url>
    
    <!-- Calculators - Family -->
    <url><loc>https://optiml.co.uk/calculators/family/child-benefit.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/family/life-expectancy.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/family/monthly-budget-planner.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/family/state-retirement-age.html</loc><lastmod>2025-09-29</lastmod></url>

    <!-- Calculators - Pension -->
    <url><loc>https://optiml.co.uk/calculators/pension/lisa-or-pension.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/pension/monthly-annuity-advanced.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/pension/monthly-annuity.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/pension/forecast-advanced.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/pension/forecast.html</loc><lastmod>2025-09-29</lastmod></url>

    <!-- Calculators - Property -->
    <url><loc>https://optiml.co.uk/calculators/property/first-time-buyer.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/property/rental-yield.html</loc><lastmod>2025-09-29</lastmod></url>

    <!-- Calculators - Tax -->
    <url><loc>https://optiml.co.uk/calculators/tax/adjusted-net-income.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/tax/cgt-estimator.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/tax/child-benefit-charge.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/tax/dividend-tax.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/tax/income-tax-pro.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/tax/income-tax.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/tax/inheritance-tax.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/tax/isa-allowance.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/tax/lisa-eligibility.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/tax/personal-allowance.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/tax/redundancy.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/tax/salary-calculator-advanced.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/tax/salary-calculator.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/tax/salary-sacrifice.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/tax/savings-allowance.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/tax/stamp-duty-land-tax.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/tax/top-slicing.html</loc><lastmod>2025-09-29</lastmod></url>

    <!-- Calculators - Economic -->
    <url><loc>https://optiml.co.uk/calculators/economic/inflation.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/calculators/economic/future-equivalent-value.html</loc><lastmod>2025-09-29</lastmod></url>


    <!-- LEARN -->

    <!-- Guides - Pre-refactor -->
    <url><loc>https://optiml.co.uk/guides/investment-isa.html</loc></url>  

    <!-- Guides - Save -->
    <url><loc>https://optiml.co.uk/guides/save/bonds.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/save/cash-isa.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/save/compound-interest-quick-read.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/save/compound-interest.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/save/emergency-fund.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/save/emergency-fund-quick-read.html</loc><lastmod>2025-09-29</lastmod></url>    
    <url><loc>https://optiml.co.uk/guides/save/fixed-term-saving.html</loc><lastmod>2025-09-29</lastmod></url>    
    <url><loc>https://optiml.co.uk/guides/save/fscs.html</loc><lastmod>2025-09-29</lastmod></url>    
    <url><loc>https://optiml.co.uk/guides/save/gross-interest-and-aer.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/save/how-to-save-for-a-car.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/save/how-to-save-for-a-holiday.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/save/how-to-save-for-a-house.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/save/how-to-save-for-a-wedding.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/save/isa-allowance-quick-read.html</loc><lastmod>2025-09-29</lastmod></url>     
    <url><loc>https://optiml.co.uk/guides/save/jisa.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/save/lifetime-isa.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/save/notice-accounts.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/save/personal-savings-allowance-quick-read.html</loc><lastmod>2025-09-29</lastmod></url>    
    <url><loc>https://optiml.co.uk/guides/save/premium-bonds-quick-read.html</loc><lastmod>2025-09-29</lastmod></url>    
    <url><loc>https://optiml.co.uk/guides/save/premium-bonds.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/save/round-ups.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/save/save-or-invest.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/save/save-or-overpay-mortgage.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/save/saving.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/save/savings-accounts.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/save/savings-goal.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/save/savings-time-to-target.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/save/short-term-cash.html</loc><lastmod>2025-09-29</lastmod></url>
    
    <!-- Guides - Borrow -->
    <url><loc>https://optiml.co.uk/guides/borrow/aprc.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/borrow/avalanche-vs-snowball.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/borrow/credit-cards.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/borrow/calculating-credit-card-interest.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/borrow/interest-on-debt.html</loc><lastmod>2025-09-29</lastmod></url>

    <!-- Guides - Invest -->
    
    <!-- Concepts -->
    <url><loc>https://optiml.co.uk/guides/invest/concepts/capm-expected-return.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/invest/concepts/modern-portfolio-theory.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/invest/concepts/portfolio-beta-strategy.html</loc><lastmod>2025-09-29</lastmod></url>

    <!-- Metrics -->
    <url><loc>https://optiml.co.uk/guides/invest/metrics/beta.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/invest/metrics/how-to-calculate-beta.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/invest/metrics/r-squared.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/invest/metrics/variance.html</loc><lastmod>2025-09-29</lastmod></url>

    <!-- Performance -->
    <url><loc>https://optiml.co.uk/guides/invest/performance/calculating-portfolio-return.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/invest/performance/compound-annual-growth-rate.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/invest/performance/money-weighted-return.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/invest/performance/time-weighted-return.html</loc><lastmod>2025-09-29</lastmod></url>

    <!-- Ratios -->
    <url><loc>https://optiml.co.uk/guides/invest/ratios/calmar.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/invest/ratios/information-ratio.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/invest/ratios/sharpe.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/invest/ratios/sortino.html</loc><lastmod>2025-09-29</lastmod></url>

    <!-- General -->
    <url><loc>https://optiml.co.uk/guides/invest/bonds.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/invest/goal-based-investing.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/invest/how-to-track-your-returns.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/invest/invest-or-overpay-mortgage.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/invest/investment-performance-metrics.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/invest/investment-time-to-target.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/invest/money-weighted-vs-time-weighted-return.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/invest/stocks-or-bonds.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/invest/weighted-average-return.html</loc><lastmod>2025-09-29</lastmod></url>

    <!-- Guides - Tax -->
    <url><loc>https://optiml.co.uk/guides/tax/personal-savings-allowance.html</loc><lastmod>2025-09-29</lastmod></url>

    <!-- Guides - Economic -->
    <url><loc>https://optiml.co.uk/guides/economic/inflation.html</loc><lastmod>2025-09-29</lastmod></url>
    <url><loc>https://optiml.co.uk/guides/economic/deflation.html</loc><lastmod>2025-09-29</lastmod></url>

</urlset>
