<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Core Pages -->
  <url><loc>https://pennifi.com/</loc><lastmod>2026-04-04</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://pennifi.com/pricing</loc><lastmod>2026-04-04</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://pennifi.com/about</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/trust</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/privacy</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://pennifi.com/terms</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://pennifi.com/brand</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.4</priority></url>
  <url><loc>https://pennifi.com/compare</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <!-- Comparison pages (pSEO — high-intent long-tail) -->
  <url><loc>https://pennifi.com/vs/mint</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pennifi.com/vs/ynab</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pennifi.com/vs/monarch-money</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pennifi.com/vs/rocket-money</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pennifi.com/vs/copilot</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/vs/quicken</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <!-- Bank pages (pSEO — high-intent "connect [bank] to budgeting app") -->
  <url><loc>https://pennifi.com/banks/chase</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pennifi.com/banks/bank-of-america</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pennifi.com/banks/wells-fargo</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pennifi.com/banks/citi</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/banks/capital-one</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/banks/rbc</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pennifi.com/banks/td</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pennifi.com/banks/scotiabank</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/banks/bmo</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/banks/cibc</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <!-- Geo pages (pSEO — country-specific landing) -->
  <url><loc>https://pennifi.com/budgeting-app/usa</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://pennifi.com/budgeting-app/canada</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://pennifi.com/budgeting-app/uk</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://pennifi.com/contact</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/help</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/integrations</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Audience Pages — Personal -->
  <url><loc>https://pennifi.com/for/young-professionals</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/for/families</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/for/freelancers</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/for/self-employed</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/for/expats</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/for/learners</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- SEO Wave 1 — winnable keywords -->
  <url><loc>https://pennifi.com/use-cases/envelope-budgeting-app</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://pennifi.com/use-cases/ai-money-coach</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://pennifi.com/use-cases/personal-finance-ai-agent</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://pennifi.com/use-cases/financial-literacy-high-school</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>

  <!-- Use Cases — Personal -->
  <url><loc>https://pennifi.com/use-cases/ai-coaching</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/use-cases/behavioral-coaching</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/use-cases/tax-tracking</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/use-cases/receipt-scanning</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/use-cases/shared-finances</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/use-cases/investment-tracking</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/use-cases/invoice-management</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/use-cases/retirement-planning</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/use-cases/asset-tracking</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/use-cases/subscription-management</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/use-cases/privacy-mode</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/use-cases/digital-vault</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/use-cases/global-banking</loc><lastmod>2026-03-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Pennifi Class — schools sub-vertical (CS-54 marketing surface) -->
  <url><loc>https://pennifi.com/class</loc><lastmod>2026-05-02</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://pennifi.com/class/why-pennifi</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pennifi.com/class/vs-tvo-learn</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pennifi.com/class/teachers</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pennifi.com/class/board</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pennifi.com/class/parents</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/class/students</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/class/curriculum</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pennifi.com/class/simulator</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/class/security</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pennifi.com/class/pricing</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://pennifi.com/class/sponsors</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/about</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/faq</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/contact</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/changelog</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://pennifi.com/class/privacy</loc><lastmod>2026-05-02</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/join</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/dashboard</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://pennifi.com/class/exam</loc><lastmod>2026-05-15</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://pennifi.com/class/lessons</loc><lastmod>2026-05-15</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>

  <!-- Class Lessons (published) -->
  <url><loc>https://pennifi.com/class/lessons/paystubs</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/banking</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/budgeting</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/credit</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/taxes</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/osap</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/renting</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/insurance</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/investing</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/fraud</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/mortgages</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/entrepreneurship</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/interest-compound</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/rrsp-vs-tfsa</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/etfs-deep-dive</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/student-bank-accounts</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/cra-myaccount</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/crypto-reality-check</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/negotiating-first-job</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/debt-snowball-vs-avalanche</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/interac-and-wallets</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/gig-and-t4a</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/money-and-mental-health</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/first-credit-recovery</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://pennifi.com/class/lessons/roommate-money</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <!-- NOTE: Accounting and Employer product pages are DEFERRED until those products launch.
       See ENTERPRISE_ARCHITECTURE.md §35.7 for the full launch checklist and deferred sitemap entries. -->
</urlset>