<?xml version="1.0" encoding="UTF-8"?>
<!--
  TODO before launch: replace the placeholder domain below with the real
  one, and update <lastmod> whenever a page's content changes materially.

  The root "/" is deliberately NOT listed here — it's a client-side
  redirect to /en/ (or the visitor's detected language), not a content
  page, and search engines discourage listing redirecting URLs in a
  sitemap. List the five real destination pages instead, each carrying
  hreflang alternates so search engines know they're the same page in
  different languages, not five separate pages.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">
  <url>
    <loc>https://www.benefitscalculator.org/en/</loc>
    <lastmod>2026-08-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.benefitscalculator.org/en/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://www.benefitscalculator.org/es/"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://www.benefitscalculator.org/zh/"/>
    <xhtml:link rel="alternate" hreflang="vi" href="https://www.benefitscalculator.org/vi/"/>
    <xhtml:link rel="alternate" hreflang="tl" href="https://www.benefitscalculator.org/tl/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.benefitscalculator.org/en/"/>
  </url>
  <url>
    <loc>https://www.benefitscalculator.org/es/</loc>
    <lastmod>2026-08-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.benefitscalculator.org/en/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://www.benefitscalculator.org/es/"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://www.benefitscalculator.org/zh/"/>
    <xhtml:link rel="alternate" hreflang="vi" href="https://www.benefitscalculator.org/vi/"/>
    <xhtml:link rel="alternate" hreflang="tl" href="https://www.benefitscalculator.org/tl/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.benefitscalculator.org/en/"/>
  </url>
  <url>
    <loc>https://www.benefitscalculator.org/zh/</loc>
    <lastmod>2026-08-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.benefitscalculator.org/en/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://www.benefitscalculator.org/es/"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://www.benefitscalculator.org/zh/"/>
    <xhtml:link rel="alternate" hreflang="vi" href="https://www.benefitscalculator.org/vi/"/>
    <xhtml:link rel="alternate" hreflang="tl" href="https://www.benefitscalculator.org/tl/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.benefitscalculator.org/en/"/>
  </url>
  <url>
    <loc>https://www.benefitscalculator.org/vi/</loc>
    <lastmod>2026-08-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.benefitscalculator.org/en/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://www.benefitscalculator.org/es/"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://www.benefitscalculator.org/zh/"/>
    <xhtml:link rel="alternate" hreflang="vi" href="https://www.benefitscalculator.org/vi/"/>
    <xhtml:link rel="alternate" hreflang="tl" href="https://www.benefitscalculator.org/tl/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.benefitscalculator.org/en/"/>
  </url>
  <url>
    <loc>https://www.benefitscalculator.org/tl/</loc>
    <lastmod>2026-08-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://www.benefitscalculator.org/en/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://www.benefitscalculator.org/es/"/>
    <xhtml:link rel="alternate" hreflang="zh" href="https://www.benefitscalculator.org/zh/"/>
    <xhtml:link rel="alternate" hreflang="vi" href="https://www.benefitscalculator.org/vi/"/>
    <xhtml:link rel="alternate" hreflang="tl" href="https://www.benefitscalculator.org/tl/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.benefitscalculator.org/en/"/>
  </url>
</urlset>
