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  <!-- Core Pages -->
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    <loc>https://calculatorpensie.com/</loc>
    <lastmod>2026-05-23</lastmod>
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    <loc>https://calculatorpensie.com/calculator</loc>
    <lastmod>2026-05-23</lastmod>
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    <priority>0.9</priority>
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    <loc>https://calculatorpensie.com/planificare</loc>
    <lastmod>2026-05-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://calculatorpensie.com/tipuri-pensii</loc>
    <lastmod>2026-05-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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    <loc>https://calculatorpensie.com/legislatie</loc>
    <lastmod>2026-05-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://calculatorpensie.com/blog</loc>
    <lastmod>2026-05-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://calculatorpensie.com/despre-noi</loc>
    <lastmod>2026-05-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://calculatorpensie.com/metodologie</loc>
    <lastmod>2026-05-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://calculatorpensie.com/contact</loc>
    <lastmod>2026-05-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://calculatorpensie.com/privacy</loc>
    <lastmod>2026-05-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://calculatorpensie.com/terms</loc>
    <lastmod>2026-05-23</lastmod>
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  <url>
    <loc>https://calculatorpensie.com/faq</loc>
    <lastmod>2026-05-23</lastmod>
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    <priority>0.7</priority>
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  <!-- Blog Articles -->
  <url>
    <loc>https://calculatorpensie.com/blog/top-5-greseli-planificare-pensie</loc>
    <lastmod>2026-05-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://calculatorpensie.com/blog/ghid-calcul-pensie-stat-2025</loc>
    <lastmod>2026-05-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://calculatorpensie.com/blog/pilonul-3-avantaje-fiscale-strategii</loc>
    <lastmod>2026-05-23</lastmod>
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    <priority>0.6</priority>
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  <url>
    <loc>https://calculatorpensie.com/blog/pensie-anticipata-conditii-penalizari</loc>
    <lastmod>2026-05-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://calculatorpensie.com/blog/conditii-speciale-munca-impact-pensie</loc>
    <lastmod>2026-05-23</lastmod>
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  <url>
    <loc>https://calculatorpensie.com/blog/stagiul-cotizare-cumparare-ani-munca</loc>
    <lastmod>2026-05-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://calculatorpensie.com/blog/pensia-urmas-drepturi-proceduri</loc>
    <lastmod>2026-05-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://calculatorpensie.com/blog/reforma-sistem-pensii-2025</loc>
    <lastmod>2026-05-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://calculatorpensie.com/blog/calculul-pensiei-freelanceri-pfa</loc>
    <lastmod>2026-05-23</lastmod>
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    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://calculatorpensie.com/blog/transfer-drepturi-pensie-ue</loc>
    <lastmod>2026-05-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://calculatorpensie.com/blog/optimizare-fiscala-contributii-pensie</loc>
    <lastmod>2026-05-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://calculatorpensie.com/blog/simulare-pensie-instrumente-metode</loc>
    <lastmod>2026-05-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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