<?xml version="1.0" encoding="UTF-8"?>
<!-- ZeraTax Sitemap Index - Updated: 2026-01-30 -->
<!-- Primary Brand: ZeraTax | Domain: zerataxcalc.com -->
<!-- Compatible with Google, Bing, Yahoo, Yandex, Baidu, and all major search engines -->
<!-- AI Crawlers: GPTBot, PerplexityBot, ClaudeBot, Gemini - see robots.txt for full list -->
<sitemapindex xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  
  <!-- sitemap.xml removed from index to eliminate 168+ duplicate entries.
       It remains accessible at /sitemap.xml for legacy/robots.txt compatibility
       but is no longer referenced in the sitemap index. -->
  
  <!-- Core Site Pages -->
  <sitemap>
    <loc>https://zerataxcalc.com/sitemap-main.xml</loc>
    <lastmod>2026-01-30</lastmod>
  </sitemap>
  
  <!-- Tax Calculator Pages (PAYE, Specialized, etc.) -->
  <sitemap>
    <loc>https://zerataxcalc.com/sitemap-calculators.xml</loc>
    <lastmod>2026-01-30</lastmod>
  </sitemap>
  
  <!-- Country-Specific Pages (48 countries) -->
  <sitemap>
    <loc>https://zerataxcalc.com/sitemap-countries.xml</loc>
    <lastmod>2026-01-30</lastmod>
  </sitemap>
  
  <!-- Google News Sitemap (also compatible with Bing News, Yahoo News) -->
  <sitemap>
    <loc>https://zerataxcalc.com/sitemap-news.xml</loc>
    <lastmod>2026-01-30</lastmod>
  </sitemap>
  
  <!-- Google Merchant Center Products Sitemap -->
  <sitemap>
    <loc>https://zerataxcalc.com/sitemap-products.xml</loc>
    <lastmod>2026-01-30</lastmod>
  </sitemap>

</sitemapindex>
