<?xml version="1.0" encoding="UTF-8"?>
<!--
  crosum.app sitemap.
  /reset is omitted: noindex, and a credential-entry page.
  Legal pages are English-only by design, so they carry no hreflang pair.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">
  <url>
    <loc>https://crosum.app/</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/"/>
  </url>
  <url>
    <loc>https://crosum.app/nl/</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/"/>
  </url>
  <url>
    <loc>https://crosum.app/tools/</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/tools/"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/tools/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/tools/"/>
  </url>
  <url>
    <loc>https://crosum.app/nl/tools/</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/tools/"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/tools/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/tools/"/>
  </url>
  <url>
    <loc>https://crosum.app/tools/loan-payoff-calculator</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/tools/loan-payoff-calculator"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/tools/aflossingscalculator"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/tools/loan-payoff-calculator"/>
  </url>
  <url>
    <loc>https://crosum.app/nl/tools/aflossingscalculator</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/tools/loan-payoff-calculator"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/tools/aflossingscalculator"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/tools/loan-payoff-calculator"/>
  </url>
  <url>
    <loc>https://crosum.app/tools/savings-goal-calculator</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/tools/savings-goal-calculator"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/tools/spaardoel-calculator"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/tools/savings-goal-calculator"/>
  </url>
  <url>
    <loc>https://crosum.app/nl/tools/spaardoel-calculator</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/tools/savings-goal-calculator"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/tools/spaardoel-calculator"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/tools/savings-goal-calculator"/>
  </url>
  <url>
    <loc>https://crosum.app/privacy-proof</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/privacy-proof"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/privacy-bewijs"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/privacy-proof"/>
  </url>
  <url>
    <loc>https://crosum.app/nl/privacy-bewijs</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/privacy-proof"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/privacy-bewijs"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/privacy-proof"/>
  </url>
  <url>
    <loc>https://crosum.app/glossary</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/glossary"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/begrippenlijst"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/glossary"/>
  </url>
  <url>
    <loc>https://crosum.app/nl/begrippenlijst</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/glossary"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/begrippenlijst"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/glossary"/>
  </url>
  <url>
    <loc>https://crosum.app/changelog</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/changelog"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/changelog"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/changelog"/>
  </url>
  <url>
    <loc>https://crosum.app/nl/changelog</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/changelog"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/changelog"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/changelog"/>
  </url>
  <url>
    <loc>https://crosum.app/vs/ynab</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/vs/ynab"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/vs/ynab"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/vs/ynab"/>
  </url>
  <url>
    <loc>https://crosum.app/nl/vs/ynab</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/vs/ynab"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/vs/ynab"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/vs/ynab"/>
  </url>
  <url>
    <loc>https://crosum.app/vs/dyme</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/vs/dyme"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/vs/dyme"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/vs/dyme"/>
  </url>
  <url>
    <loc>https://crosum.app/nl/vs/dyme</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/vs/dyme"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/vs/dyme"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/vs/dyme"/>
  </url>
  <url>
    <loc>https://crosum.app/vs/spendle</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/vs/spendle"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/vs/spendle"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/vs/spendle"/>
  </url>
  <url>
    <loc>https://crosum.app/nl/vs/spendle</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/vs/spendle"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/vs/spendle"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/vs/spendle"/>
  </url>
  <url><loc>https://crosum.app/budget-app-zonder-bankkoppeling</loc><lastmod>2026-07-26</lastmod></url>
  <url><loc>https://crosum.app/privacy</loc><lastmod>2026-07-26</lastmod></url>
  <url><loc>https://crosum.app/terms</loc><lastmod>2026-07-26</lastmod></url>
  <url><loc>https://crosum.app/delete-account</loc><lastmod>2026-06-19</lastmod></url>
  <url>
    <loc>https://crosum.app/about</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/about"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/over-crosum"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/about"/>
  </url>
  <url>
    <loc>https://crosum.app/nl/over-crosum</loc>
    <lastmod>2026-07-26</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://crosum.app/about"/>
    <xhtml:link rel="alternate" hreflang="nl" href="https://crosum.app/nl/over-crosum"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://crosum.app/about"/>
  </url>
</urlset>
