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

  <!-- Homepage -->
  <url>
    <loc>https://bibliafinanceira.pt/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Simulador PPR vs ETF - Página Mais Importante (Único em Portugal) -->
  <url>
    <loc>https://bibliafinanceira.pt/simulador-ppr-etf/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- ========================================================
       FINANÇAS PESSOAIS (12 Ferramentas e Guias)
       ======================================================== -->
  <url>
    <loc>https://bibliafinanceira.pt/salario-liquido/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.90</priority>
  </url>

  <url>
    <loc>https://bibliafinanceira.pt/credito-habitacao/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.90</priority>
  </url>

  <url>
    <loc>https://bibliafinanceira.pt/comprar-arrendar/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.90</priority>
  </url>

  <url>
    <loc>https://bibliafinanceira.pt/comparador-bancos/</loc>
    <lastmod>2026-08-09</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.90</priority>
  </url>

  <url>
    <loc>https://bibliafinanceira.pt/fundo-emergencia/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://bibliafinanceira.pt/simulador-imi/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://bibliafinanceira.pt/seguranca-social/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://bibliafinanceira.pt/orcamento-familiar/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://bibliafinanceira.pt/guia-portal-financas/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://bibliafinanceira.pt/cartao-credito-debito/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>

  <url>
    <loc>https://bibliafinanceira.pt/guia-automovel/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>

  <url>
    <loc>https://bibliafinanceira.pt/nif/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>

  <!-- ========================================================
       IRS & IMPOSTOS (4 Guias e Simuladores Especializados)
       ======================================================== -->
  <url>
    <loc>https://bibliafinanceira.pt/impostos-investidor/</loc>
    <lastmod>2026-09-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
  </url>

  <url>
    <loc>https://bibliafinanceira.pt/irs-arrendamento/</loc>
    <lastmod>2026-09-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://bibliafinanceira.pt/impostos-trabalho/</loc>
    <lastmod>2026-09-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://bibliafinanceira.pt/recibos-verdes/</loc>
    <lastmod>2026-09-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- ========================================================
       INVESTIMENTOS (3 Ferramentas e Guias)
       ======================================================== -->
  <url>
    <loc>https://bibliafinanceira.pt/simulador-reforma/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.90</priority>
  </url>

  <url>
    <loc>https://bibliafinanceira.pt/certificados-tesouro/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.90</priority>
  </url>

  <url>
    <loc>https://bibliafinanceira.pt/guia-corretoras/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.90</priority>
  </url>

  <!-- ========================================================
       EDUCAÇÃO & PERFIL (2 Ferramentas de Literacia)
       ======================================================== -->
  <url>
    <loc>https://bibliafinanceira.pt/educacao-financeira/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://bibliafinanceira.pt/perfil-financeiro/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.80</priority>
  </url>

  <!-- ========================================================
       SOBRE & INSTITUCIONAL
       ======================================================== -->
  <url>
    <loc>https://bibliafinanceira.pt/sobre/</loc>
    <lastmod>2026-09-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.70</priority>
  </url>

  <!-- ========================================================
       PÁGINAS LEGAIS
       ======================================================== -->
  <url>
    <loc>https://bibliafinanceira.pt/privacidade/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.30</priority>
  </url>

  <url>
    <loc>https://bibliafinanceira.pt/termos/</loc>
    <lastmod>2026-06-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.30</priority>
  </url>

  <!-- 404 e páginas noindex não são indexadas -->
  <!-- aviso-risco é noindex, follow e permanece fora do sitemap -->
  <!-- 404 não é indexada -->

</urlset>
