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  <!-- HOMEPAGE -->
  <url>
    <loc>https://toolyfi.com/</loc>
    <lastmod>2024-10-24</lastmod>
  </url>

  <!-- GOLD RATE PAGES (Note: If these update dynamically via script, you should use a dynamic sitemap generator for these specific URLs) -->
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    <loc>https://toolyfi.com/gold-rate-pakistan.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/gold-rate-karachi.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/gold-rate-lahore.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/gold-rate-islamabad.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/gold-rate-rawalpindi.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/gold-rate-faisalabad.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/gold-rate-multan.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>

  <!-- AI TOOLS -->
  <url>
    <loc>https://toolyfi.com/ai-assistant.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/ai-image-generator.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/ai-text-detector.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/ai-tool-finder.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/youtube-transcript-extractor.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/bg-remover-object-detection.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/prompt-generator.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/image-compressor.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/image-resizer.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <!-- FINANCE TOOLS -->
  <url>
    <loc>https://toolyfi.com/invoice-generator.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/resume-builder.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/currency-converter.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/bisp-8171-check.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/tax-refund-tracker.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/state-tax-refund-tracker.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/profit-margin-calculator.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/sales-tax-calculator.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/compound-interest-calculator.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/salary-to-hourly.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/tip-calculator.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>

  <!-- CALCULATOR TOOLS -->
  <url>
    <loc>https://toolyfi.com/scientific-calculator.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/loan-emi-calculator.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/bmi-calculator.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/age-calculator.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/percentage-calculator.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/cgpa-to-percentage.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/sleep-calculator.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/random-number-generator.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>

  <!-- TEXT TOOLS -->
  <url>
    <loc>https://toolyfi.com/word-counter.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/case-converter.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/text-trimmer.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/morse-code-converter.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/flip-fancy-text-generator.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/number-to-words.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/link-shortener.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>

  <!-- DEVELOPER TOOLS -->
  <url>
    <loc>https://toolyfi.com/qr-code-generator.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/password-generator.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/base64-encoder.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/json-formatter.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/csv-to-json.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/html-preview-tool.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/broken-link-checker.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/markdown-to-html-seo.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/unit-converter.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/temperature-converter.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/color-picker.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/seo-checker.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>

  <!-- HIGH-QUALITY BLOG PAGES ONLY (Removed spam updatesworld) -->
  <url>
    <loc>https://toolyfi.com/blog/</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/blog/age-calculator-guide.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/blog/ai-text-detector-guide.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/blog/bmi-calculator-guide.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/blog/currency-converter-guide.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/blog/how-to-get-youtube-transcript-free.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/blog/invoice-generator-guide.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/blog/password-generator-guide.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/blog/qr-code-generator-guide.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/blog/qr-codes-for-business.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/blog/resume-builder-guide.html</loc>
    <lastmod>2024-10-24</lastmod>
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  <url>
    <loc>https://toolyfi.com/blog/scientific-calculator-guide.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/blog/word-counter-guide.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>

  <!-- STATIC PAGES -->
  <url>
    <loc>https://toolyfi.com/about.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/contact.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/privacy.html</loc>
    <lastmod>2024-10-24</lastmod>
  </url>
  <url>
    <loc>https://toolyfi.com/terms.html</loc>
    <lastmod>2024-10-24</lastmod>
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