<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://theflan.app/</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://theflan.app/tools</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theflan.app/tools/split-bills-calculator</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theflan.app/tools/debt-payoff-calculator</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theflan.app/tools/savings-runway-calculator</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theflan.app/tools/credit-card-interest-calculator</loc>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theflan.app/tools/inflation-calculator</loc>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theflan.app/tools/mortgage-calculator</loc>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog</loc>
    <lastmod>2026-10-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/cash-flow-is-the-movie</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/which-debt-to-pay-first</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/months-of-runway</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/you-need-a-model</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/early-retirement-is-a-date</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/money-talks-that-stay-calm</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/what-a-big-purchase-costs</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/net-worth-vs-next-month</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/two-paydays-one-pile-up</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/savings-rate-is-the-lever</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/student-loans-on-the-timeline</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/two-incomes-one-picture</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/job-change-on-the-timeline</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/model-the-raise-first</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/rent-vs-buy-as-a-projection</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/coast-vs-sprint</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/credit-card-interest-is-a-tax</loc>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/three-months-is-a-starting-line</loc>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/fixed-vs-flexible-spending</loc>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/a-baby-is-a-new-trajectory</loc>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/wedding-math-after-the-day</loc>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/sequence-of-returns-plainly</loc>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/nominal-vs-real-no-lecture</loc>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/freelance-without-living-on-hope</loc>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/paycheck-timing-is-a-plan</loc>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/why-enough-still-feels-tight</loc>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/the-extra-200</loc>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/emergency-funds-that-still-move</loc>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/what-work-optional-takes</loc>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/three-numbers-that-change-it</loc>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/shared-goals-separate-accounts</loc>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/a-move-is-not-year-zero-free</loc>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/blog/extra-principal-moves-the-pin</loc>
    <lastmod>2026-10-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/flan-plan</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theflan.app/roadmap</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/compare</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theflan.app/faq</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://theflan.app/about</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://theflan.app/privacy</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://theflan.app/terms</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
</urlset>
