<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">

  <!-- Homepage -->
  <url>
    <loc>https://vaultsio.com/</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <image:image>
      <image:loc>https://vaultsio.com/assets/vaultsiologo.png</image:loc>
      <image:title>VaultSio - Smart Expense Tracking App</image:title>
    </image:image>
  </url>

  <!-- Support Pages -->
  <url>
    <loc>https://vaultsio.com/faqs</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/help-center</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/contact-us</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Legal Pages -->
  <url>
    <loc>https://vaultsio.com/privacy-policy</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/terms-of-service</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/cookie-policy</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>

  <!-- Help Articles -->
  <url>
    <loc>https://vaultsio.com/articles/add-first-transaction</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/add-income-expenses</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/add-transactions-manually</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/analyze-spending-patterns</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/app-crashes-or-freezes</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/app-permissions-explained</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/backup-and-restore-data</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/billing-questions</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/biometric-lock</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/budget-alerts</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/cancel-subscription</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/cant-login</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/category-breakdown</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/change-password</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/change-theme</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/cloud-security</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/contact-support</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/create-account</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/create-and-manage-budgets</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/create-budget</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/create-goal</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/currency-conversion</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/custom-categories</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/dashboard-tour</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/data-not-syncing</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/data-protection</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/data-security-guide</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/data-sync-backup</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/delete-account</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/download-for-android</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/download-for-ios</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/edit-delete-budget</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/enable-app-lock</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/enable-cloud-sync</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/enable-faceid-touchid</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/export-data-to-csv</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/export-data</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/exporting-reports</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/financial-security</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/foreign-currency-account</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/how-we-protect-your-data</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/income-vs-expenses</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/manage-multiple-accounts</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/manage-notifications</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/manage-permissions</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/manage-subscription</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/missing-transactions</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/monthly-spending-reports</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/multi-currency</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/premium-features</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/premium-included</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/reading-charts-and-graphs</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/reading-overview</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/receipt-scanning-ocr</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/recurring-transactions</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/report-security-concerns</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/reset-password</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/savings-rate</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/scan-receipts-ocr</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/set-base-currency</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/set-financial-goals</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/set-up-recurring-expenses</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/setup-accounts</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/share-reports</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/spending-insights</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/sync-across-devices</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/system-requirements</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/track-goal-progress</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/track-multiple-accounts</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/transactions-any-currency</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/troubleshoot-currency</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/troubleshoot-sync-issues</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/two-factor-authentication</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/understanding-categories</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/update-profile-information</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/update-the-app</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/upgrade-premium</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://vaultsio.com/articles/whats-included-in-premium</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

</urlset>
