<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">

  <!-- 메인 (군적금 계산기) -->
  <url>
    <loc>https://roka-smartlife.kr/</loc>
    <lastmod>2026-10-20</lastmod>
    <image:image>
      <image:loc>https://roka-smartlife.kr/img/oneTouchCalculator_main.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://roka-smartlife.kr/img/oneTouchCalculator_FAQ.png</image:loc>
    </image:image>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- 허브 페이지 -->
  <url>
    <loc>https://roka-smartlife.kr/hub/</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 시급 계산기 -->
  <url>
    <loc>https://roka-smartlife.kr/hourly-wage-calculator/</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 복무 형태별 군적금 만기 수령액 -->
  <url>
    <loc>https://roka-smartlife.kr/military-savings-by-branch/</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- 군적금 Q&A -->
  <url>
    <loc>https://roka-smartlife.kr/military-savings-faq/</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- 소개 -->
  <url>
    <loc>https://roka-smartlife.kr/about/</loc>
    <lastmod>2026-10-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!--
    제외한 페이지
    - /military-savings-table/ : 계산 결과를 브라우저에서만 그리는 페이지라
      HTML에 내용이 없음 → noindex 처리
    - /privacy/ : noindex 페이지
  -->

</urlset>
