<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://pension-calc-kr.vercel.app/</loc>
    <lastmod>2026-04-08</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://pension-calc-kr.vercel.app/blog/</loc>
    <lastmod>2026-04-08</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://pension-calc-kr.vercel.app/about.html</loc>
    <lastmod>2026-04-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://pension-calc-kr.vercel.app/privacy.html</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://pension-calc-kr.vercel.app/terms.html</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <!-- 블로그 (총 25개) -->
  <!-- 신규 5개 (2026-04-08) -->
  <url><loc>https://pension-calc-kr.vercel.app/blog/pension-amount-examples.html</loc><lastmod>2026-04-08</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/salary-table-2026.html</loc><lastmod>2026-04-08</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/pension-start-age-guide.html</loc><lastmod>2026-04-08</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/honorary-retirement-guide.html</loc><lastmod>2026-04-08</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/retirement-age-by-position.html</loc><lastmod>2026-04-08</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <!-- 기존 20개 -->
  <url><loc>https://pension-calc-kr.vercel.app/blog/early-retirement-analysis.html</loc><lastmod>2026-03-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/retirement-tax-guide.html</loc><lastmod>2026-03-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/reemployment-pension-guide.html</loc><lastmod>2026-03-29</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/increase-pension-tips.html</loc><lastmod>2026-03-25</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/pension-vs-national.html</loc><lastmod>2026-03-25</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/police-fire-pension-guide.html</loc><lastmod>2026-03-25</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/salary-analysis-2025.html</loc><lastmod>2026-03-23</lastmod><changefreq>yearly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/pension-reform-history.html</loc><lastmod>2026-03-23</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/contribution-guide.html</loc><lastmod>2026-04-03</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/parental-leave-pension.html</loc><lastmod>2026-04-03</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/lump-sum-vs-pension.html</loc><lastmod>2026-04-03</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/survivor-pension-guide.html</loc><lastmod>2026-04-03</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/pension-cap-76-guide.html</loc><lastmod>2026-04-03</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/retirement-allowance-by-grade.html</loc><lastmod>2026-04-03</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/cpi-pension-impact.html</loc><lastmod>2026-04-03</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/teacher-pension-guide.html</loc><lastmod>2026-04-03</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/pension-international-comparison.html</loc><lastmod>2026-04-03</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/income-redistribution-deep-dive.html</loc><lastmod>2026-04-03</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/military-service-credit-guide.html</loc><lastmod>2026-04-03</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pension-calc-kr.vercel.app/blog/pension-reform-outlook-2026.html</loc><lastmod>2026-04-03</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
</urlset>
