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  <!-- 메인 페이지 -->
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    <loc>https://paytools.work</loc>
    <lastmod>2026-04-01</lastmod>
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    <priority>1.0</priority>
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  <!-- 핵심 기능 페이지 -->
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    <loc>https://paytools.work/calculator</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
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    <loc>https://paytools.work/reverse-calculator</loc>
    <lastmod>2026-02-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://paytools.work/simulation</loc>
    <lastmod>2026-02-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <!-- 가이드 페이지 -->
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    <loc>https://paytools.work/guide</loc>
    <lastmod>2026-01-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://paytools.work/guide/insurance</loc>
    <lastmod>2026-01-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://paytools.work/guide/tax</loc>
    <lastmod>2026-01-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://paytools.work/guide/overtime</loc>
    <lastmod>2026-01-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://paytools.work/guide/how-to-use</loc>
    <lastmod>2026-02-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- FAQ -->
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    <loc>https://paytools.work/faq</loc>
    <lastmod>2026-01-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 계산 사례 -->
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    <loc>https://paytools.work/examples</loc>
    <lastmod>2026-01-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://paytools.work/examples/fulltime</loc>
    <lastmod>2026-01-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://paytools.work/examples/parttime</loc>
    <lastmod>2026-01-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.work/examples/shift-work</loc>
    <lastmod>2026-01-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- 법률 정보 -->
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    <loc>https://paytools.work/legal</loc>
    <lastmod>2026-01-28</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- 블로그 -->
  <url>
    <loc>https://paytools.work/blog</loc>
    <lastmod>2026-01-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://paytools.work/blog/2026-minimum-wage</loc>
    <lastmod>2026-01-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.work/blog/insurance-rate-2026</loc>
    <lastmod>2026-01-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.work/blog/overtime-calculation-tips</loc>
    <lastmod>2026-01-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.work/blog/weekly-holiday-pay-guide</loc>
    <lastmod>2025-12-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.work/blog/year-end-tax-settlement-2026</loc>
    <lastmod>2025-12-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.work/blog/freelancer-salary-calculation</loc>
    <lastmod>2026-01-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.work/blog/retirement-pay-guide</loc>
    <lastmod>2026-01-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.work/blog/parental-leave-benefits</loc>
    <lastmod>2026-01-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.work/blog/unemployment-benefits-guide</loc>
    <lastmod>2026-01-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.work/blog/minimum-wage-violation-penalty</loc>
    <lastmod>2026-01-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.work/blog/payslip-requirements</loc>
    <lastmod>2026-01-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- 기타 페이지 -->
  <url>
    <loc>https://paytools.work/about</loc>
    <lastmod>2026-01-28</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://paytools.work/privacy</loc>
    <lastmod>2026-01-28</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://paytools.work/terms</loc>
    <lastmod>2026-01-28</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://paytools.work/contact</loc>
    <lastmod>2026-01-28</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
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