<?xml version="1.0" encoding="UTF-8"?>
<!-- DEPLOY PATH: /sitemap.xml | Updated: 2026-03-31 -->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- ── CORE PAGES ─────────────────────────────────────────── -->
  <url>
    <loc>https://tepuysolutions.com/</loc>
    <lastmod>2026-03-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/calculators/</loc>
    <lastmod>2026-03-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/blog/</loc>
    <lastmod>2026-03-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/methodology/</loc>
    <lastmod>2026-03-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/about/</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/for-professionals/</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/contact/</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/privacy/</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/terms/</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/search/</loc>
    <lastmod>2026-03-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>

  <!-- ── CALCULATORS ────────────────────────────────────────── -->
  <!--
    Priority guide used here:
      0.9 = flagship tool, high search volume target
      0.8 = strong secondary tool
      0.7 = supporting tool
    changefreq = monthly for tools (content/rates update regularly)
  -->
  <url>
    <loc>https://tepuysolutions.com/calculators/property_vs_shares/</loc>
    <lastmod>2026-03-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/calculators/buy-vs-rent-australia/</loc>
    <lastmod>2026-03-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/calculators/buy_vs_rent/</loc>
    <lastmod>2026-03-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/calculators/offset_vs_shares/</loc>
    <lastmod>2026-03-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/calculators/mortgage/</loc>
    <lastmod>2026-03-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/calculators/retirement/</loc>
    <lastmod>2026-03-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/calculators/beat-the-asx/</loc>
    <lastmod>2026-03-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/calculators/lmi/</loc>
    <lastmod>2026-03-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ── BLOG ARTICLES ──────────────────────────────────────── -->
  <!--
    Priority guide:
      0.8 = high-traffic target article (exact-match query topic)
      0.7 = strong supporting article
      0.6 = evergreen reference
    changefreq = monthly for articles updated with RBA/ABS data,
                 yearly for purely evergreen pieces
  -->
  <url>
    <loc>https://tepuysolutions.com/blog/rent-vs-invest-every-australian-city.html</loc>
    <lastmod>2026-03-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/blog/why-property-vs-shares-calculators-are-wrong.html</loc>
    <lastmod>2026-03-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/blog/negative-gearing-property-vs-shares.html</loc>
    <lastmod>2026-03-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/blog/leverage-property-vs-shares.html</loc>
    <lastmod>2026-03-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/blog/true-costs-property-vs-shares.html</loc>
    <lastmod>2025-10-24</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/blog/australian-property-vs-sp500.html</loc>
    <lastmod>2025-07-22</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/blog/cgt-planning-property-vs-shares-tepuy-solutions.html</loc>
    <lastmod>2025-06-14</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/blog/lmi-guide.html</loc>
    <lastmod>2025-06-14</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://tepuysolutions.com/blog/australia-fertility-rate-2025-impact.html</loc>
    <lastmod>2025-10-15</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

</urlset>
