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  <!-- Main pages -->
  <url>
    <loc>https://portfelik.com/</loc>
    <lastmod>2026-06-04</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
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  <url>
    <loc>https://portfelik.com/en</loc>
    <lastmod>2026-06-04</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Authentication pages -->
  <url>
    <loc>https://portfelik.com/login</loc>
    <lastmod>2025-12-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://portfelik.com/en/login</loc>
    <lastmod>2025-12-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://portfelik.com/register</loc>
    <lastmod>2026-02-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://portfelik.com/en/register</loc>
    <lastmod>2026-02-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- About pages -->
  <url>
    <loc>https://portfelik.com/about</loc>
    <lastmod>2025-10-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/en/about</loc>
    <lastmod>2025-10-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- FAQ page -->
  <url>
    <loc>https://portfelik.com/faq</loc>
    <lastmod>2026-06-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://portfelik.com/en/faq</loc>
    <lastmod>2026-06-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Legal pages -->
  <url>
    <loc>https://portfelik.com/privacy</loc>
    <lastmod>2025-09-24</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://portfelik.com/en/privacy</loc>
    <lastmod>2025-09-24</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://portfelik.com/terms</loc>
    <lastmod>2025-09-24</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://portfelik.com/en/terms</loc>
    <lastmod>2025-09-24</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Blog pages -->
  <url>
    <loc>https://portfelik.com/blog</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://portfelik.com/en/blog</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Tool pages -->
  <url>
    <loc>https://portfelik.com/tools/kalkulator-fire</loc>
    <lastmod>2026-01-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://portfelik.com/en/tools/kalkulator-fire</loc>
    <lastmod>2026-01-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://portfelik.com/tools/kalkulator-procentu-skladanego</loc>
    <lastmod>2026-01-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://portfelik.com/en/tools/kalkulator-procentu-skladanego</loc>
    <lastmod>2026-01-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://portfelik.com/tools/kalkulator-obligacji-skarbowych</loc>
    <lastmod>2026-05-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://portfelik.com/en/tools/kalkulator-obligacji-skarbowych</loc>
    <lastmod>2026-05-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://portfelik.com/tools/kalkulator-inflacji</loc>
    <lastmod>2026-06-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://portfelik.com/en/tools/kalkulator-inflacji</loc>
    <lastmod>2026-06-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://portfelik.com/tools/kalkulator-kredytu-hipotecznego</loc>
    <lastmod>2026-06-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://portfelik.com/en/tools/kalkulator-kredytu-hipotecznego</loc>
    <lastmod>2026-06-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Budget (50/30/20) calculator -->
  <url>
    <loc>https://portfelik.com/tools/kalkulator-budzetu</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://portfelik.com/en/tools/kalkulator-budzetu</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Beat Market (Pokonaj rynek) tool -->
  <url>
    <loc>https://portfelik.com/tools/pokonaj-rynek</loc>
    <lastmod>2025-12-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://portfelik.com/en/tools/pokonaj-rynek</loc>
    <lastmod>2025-12-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Polish blog posts -->
  <url>
    <loc>https://portfelik.com/blog/sledzenie-wydatkow-excel-czy-aplikacja</loc>
    <lastmod>2026-02-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/blog/5-ksiazek-o-tematyce-finansowej-i-rozwoju-osobistego</loc>
    <lastmod>2026-02-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/blog/co-warto-oszczedzac-oprocz-pieniedzy</loc>
    <lastmod>2026-02-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/blog/kilka-sposobow-na-oszczednosci-w-domu</loc>
    <lastmod>2026-02-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/blog/piec-porad-jak-oszczedzac-podczas-podrozy</loc>
    <lastmod>2026-02-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/blog/piec-sposobow-na-oszczednosci-w-transporcie</loc>
    <lastmod>2026-01-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/blog/co-zrobic-z-oszczednosciami</loc>
    <lastmod>2026-01-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/blog/aplikacja-mobilna-portfelik</loc>
    <lastmod>2026-01-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/blog/na-czym-nie-warto-oszczedzac</loc>
    <lastmod>2026-01-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/blog/najczestsze-bledy-popelniane-przy-oszczedzaniu</loc>
    <lastmod>2026-01-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/blog/konkretne-sposoby-na-oszczedzanie</loc>
    <lastmod>2026-01-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/blog/dlaczego-warto-oszczedzac</loc>
    <lastmod>2026-01-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/blog/piec-sposobow-na-dodatkowe-oszczednosci-w-supermarkecie</loc>
    <lastmod>2026-01-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/blog/obsluga-wielu-kont-w-Portfeliku</loc>
    <lastmod>2026-01-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/blog/przypisz-emoji-do-kategorii</loc>
    <lastmod>2026-01-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/blog/automatyczne-dodawanie-transakcji-z-asystentem-ai</loc>
    <lastmod>2026-01-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/blog/kalkulator-inflacji-w-portfeliku</loc>
    <lastmod>2026-01-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/blog/kalkulator-procentu-skladanego</loc>
    <lastmod>2026-01-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/blog/kalkulator-obligacji-skarbowych-w-portfeliku</loc>
    <lastmod>2026-01-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/blog/jak-stworzyc-budzet</loc>
    <lastmod>2026-01-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/blog/import-transakcji</loc>
    <lastmod>2026-01-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/blog/dzien-dobry-portfeliku</loc>
    <lastmod>2026-01-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- English blog posts -->
  <url>
    <loc>https://portfelik.com/en/blog/portfelik-mobile-app</loc>
    <lastmod>2026-01-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/en/blog/transactions-import</loc>
    <lastmod>2026-01-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://portfelik.com/en/blog/hello-portfelik</loc>
    <lastmod>2026-01-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
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