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

  <!-- ═══ Homepage ═══ -->
  <url>
    <loc>https://paytools.co.za/</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- ═══ Calculators Index ═══ -->
  <url>
    <loc>https://paytools.co.za/calculators/</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
  </url>

  <!-- ═══ Pillar Indexes ═══ -->
  <url>
    <loc>https://paytools.co.za/payslip-codes/</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/salary-to-afford/</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
  </url>

  <!-- ═══ Payslip Code Pages ═══ -->
  <url>
    <loc>https://paytools.co.za/payslip-codes/3601.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/payslip-codes/4102.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/payslip-codes/4101.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/payslip-codes/3810.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/payslip-codes/4001.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/payslip-codes/3605.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/payslip-codes/3701.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/payslip-codes/3802.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/payslip-codes/3606.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/payslip-codes/3607.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/payslip-codes/4002.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/payslip-codes/4005.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/payslip-codes/4115.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/payslip-codes/4474.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/payslip-codes/3602.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ═══ Phase 1 Calculators ═══ -->
  <url>
    <loc>https://paytools.co.za/calculators/paye-calculator.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/calculators/severance-pay-calculator.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/calculators/leave-days-calculator.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/calculators/overtime-calculator.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/calculators/notice-period-calculator.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/calculators/minimum-wage-calculator.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/calculators/uif-calculator.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/calculators/bonus-tax-calculator.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/calculators/payroll-cost-calculator.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ═══ Phase 2 Calculators ═══ -->
  <url>
    <loc>https://paytools.co.za/calculators/retirement-annuity-calculator.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/calculators/retrenchment-calculator.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>


  <url>
    <loc>https://paytools.co.za/calculators/commission-calculator.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ═══ Phase 3 Calculators ═══ -->
  <url>
    <loc>https://paytools.co.za/calculators/domestic-worker-calculator.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/calculators/contractor-calculator.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/calculators/provident-fund-calculator.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/calculators/medical-aid-tax-credit.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/calculators/work-hours-calculator.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ═══ Site pages ═══ -->
  <url>
    <loc>https://paytools.co.za/about.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/contact.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>


  <!-- ═══ Blog index — add individual posts here as they are published ═══ -->
  <url>
    <loc>https://paytools.co.za/blog/</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/blog/how-to-calculate-take-home-pay.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/blog/severance-pay-south-africa.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/blog/uif-after-retrenchment.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/blog/what-is-paye-south-africa.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/blog/leave-days-entitlement-south-africa.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/blog/overtime-rules-south-africa.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/blog/minimum-wage-south-africa-2026.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/blog/notice-period-south-africa.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/blog/domestic-worker-rights-south-africa.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://paytools.co.za/blog/retirement-annuity-tax-benefit-south-africa.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>


  <url>
    <loc>https://paytools.co.za/blog/medical-aid-tax-credit-south-africa.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/blog/provident-fund-south-africa.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/blog/contractor-vs-employee-south-africa.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/blog/work-hours-south-africa.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/blog/commission-income-tax-south-africa.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/blog/bonus-tax-south-africa.html</loc>
    <lastmod>2026-06-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/payslip-codes/3613.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/payslip-codes/3615.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/payslip-codes/3616.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/payslip-codes/3702.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/payslip-codes/3704.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/payslip-codes/3706.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/payslip-codes/3711.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/payslip-codes/3712.html</loc>
    <lastmod>2026-06-16</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/payslip-codes/3801.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/payslip-codes/3804.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/payslip-codes/3805.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/payslip-codes/3807.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/payslip-codes/3817.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/payslip-codes/3820.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/payslip-codes/4003.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/payslip-codes/4006.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/blog/how-to-read-irp5-south-africa.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/payslip-codes/3603.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/payslip-codes/3604.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/payslip-codes/3713.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/payslip-codes/4116.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/salary-to-afford/toyota-hilux.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/salary-to-afford/ford-ranger.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/salary-to-afford/volkswagen-polo-vivo.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/salary-to-afford/suzuki-swift.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/salary-to-afford/toyota-corolla-cross.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/blog/toyota-hilux-2026-prices-south-africa.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytools.co.za/blog/volkswagen-polo-vivo-cost-of-ownership.html</loc>
    <lastmod>2026-06-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
</urlset>
