﻿<?xml version="1.0" encoding="UTF-8"?>
<!--
  OpenBook Planning manual sitemap.
  Canonical domain: https://openbookplanning.ca
  Includes current public production pages, calculator pages, article category pages, and reference pages.
  Excludes prototypes, test pages, draft article pages, infrastructure templates, placeholder folders, and experimental content.
  Future published articles and multilingual pages should be added when they are ready for indexing.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://openbookplanning.ca/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/index.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/tools.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/articles.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/reference/index.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/wisdom/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/wisdom/wisdom-framework.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/about.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/disclaimer.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://openbookplanning.ca/articles/registered-accounts.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/articles/retirement-planning.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/articles/tax-planning.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/articles/decumulation-strategies.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/articles/government-benefits.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/articles/estate-and-cross-border-planning.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://openbookplanning.ca/reference/tfsa-limits.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/reference/rrsp-limits.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/reference/fhsa-limits.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/reference/federal-tax-brackets.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/reference/oas-thresholds.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://openbookplanning.ca/assets/calculators/retirement/index.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/assets/calculators/rrif-minimum/index.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/assets/calculators/rrsp-vs-tfsa/index.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/assets/calculators/future-value/index.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/assets/calculators/savings-goal/index.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/assets/calculators/compound-growth/index.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/assets/calculators/rrsp-tax-savings/index.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/assets/calculators/mortgage-payment/index.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/assets/calculators/mortgage-amortization/index.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/assets/calculators/loan-payment/index.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/assets/calculators/oas-clawback/index.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/assets/calculators/cpp-qpp-timing/index.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/assets/calculators/capital-gains-tax/index.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/assets/calculators/eligible-dividend-tax/index.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/assets/calculators/marginal-tax-rate/index.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/assets/calculators/amt-exposure/index.html</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/assets/calculators/net-worth/index.html</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://openbookplanning.ca/assets/calculators/living-expense/index.html</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url></urlset>



