<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://solofig.com/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://solofig.com/request-a-tool/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/hourly-rate-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/self-employment-tax-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/payment-fee-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/project-pricing-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/saas-break-even-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/retirement-savings-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/contractor-vs-employee-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/quarterly-tax-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/emergency-fund-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/home-office-deduction-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/take-home-rate-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/client-concentration-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/value-vs-hourly-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/invoice-late-fee-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/mileage-deduction-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/income-goal-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/qbi-deduction-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/retainer-pricing-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/write-off-savings-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/effective-tax-rate-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/tax-set-aside-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/international-payment-fees-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/rate-increase-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/cost-of-hiring-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/consulting-day-rate-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/s-corp-salary-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/pricing-tiers-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/software-roi-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/solo-401k-contribution-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/profit-first-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/client-discount-break-even-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/invoice-financing-cost-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/debt-payoff-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/tools/buy-vs-lease-calculator/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/why-your-hourly-rate-is-too-low/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/stripe-fees-real-cost/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/1099-vs-w2-self-employment-tax/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/price-a-freelance-project/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/saas-break-even-basics/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/retirement-plans-for-freelancers/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/irregular-income-budgeting/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/quarterly-estimated-taxes-guide/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/contract-vs-salary-offer/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/home-office-deduction-explained/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/what-your-rate-actually-pays-you/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/why-client-concentration-kills-freelancers/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/pricing-on-value-vs-hours/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/late-payment-fees-freelancers/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/mileage-deduction-freelancers/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/how-many-clients-do-you-need/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/qbi-deduction-for-freelancers/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/pricing-a-monthly-retainer/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/business-write-offs-that-save-taxes/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/understanding-your-effective-tax-rate/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/setting-aside-money-for-taxes/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/getting-paid-by-overseas-clients/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/what-a-rate-increase-nets-you/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/when-to-hire-a-va/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/setting-your-consulting-day-rate/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/should-i-form-an-s-corp/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/pricing-your-service-tiers/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/are-your-freelance-tools-worth-it/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/should-you-open-a-solo-401k/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/profit-first-for-freelancers/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/when-discounting-your-rate-pays-off/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/invoice-factoring-vs-waiting/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/paying-off-debt-on-irregular-income/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/guides/buy-vs-lease-equipment-for-freelancers/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://solofig.com/privacy-policy/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://solofig.com/terms/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://solofig.com/cookie-policy/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://solofig.com/disclaimer/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://solofig.com/about/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://solofig.com/contact/</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>
