<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <!-- Landing — Italian primary -->
  <url>
    <loc>https://balancehelper.it/</loc>
    <lastmod>2026-05-27</lastmod>
    <xhtml:link rel="alternate" hreflang="it" href="https://balancehelper.it/" />
    <xhtml:link rel="alternate" hreflang="en" href="https://balancehelper.it/en/" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://balancehelper.it/" />
  </url>
  <url>
    <loc>https://balancehelper.it/en/</loc>
    <lastmod>2026-05-27</lastmod>
    <xhtml:link rel="alternate" hreflang="it" href="https://balancehelper.it/" />
    <xhtml:link rel="alternate" hreflang="en" href="https://balancehelper.it/en/" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://balancehelper.it/" />
  </url>
  <url>
    <loc>https://balancehelper.it/start/</loc>
    <lastmod>2026-05-28</lastmod>
  </url>

  <!-- Italian topical pages -->
  <url>
    <loc>https://balancehelper.it/abbonamenti/</loc>
    <lastmod>2026-05-27</lastmod>
    <xhtml:link rel="alternate" hreflang="it" href="https://balancehelper.it/abbonamenti/" />
    <xhtml:link rel="alternate" hreflang="en" href="https://balancehelper.it/en/subscriptions/" />
  </url>
  <url>
    <loc>https://balancehelper.it/costi-conto-corrente/</loc>
    <lastmod>2026-05-27</lastmod>
    <xhtml:link rel="alternate" hreflang="it" href="https://balancehelper.it/costi-conto-corrente/" />
    <xhtml:link rel="alternate" hreflang="en" href="https://balancehelper.it/en/bank-account-costs/" />
  </url>
  <url>
    <loc>https://balancehelper.it/report-mensile/</loc>
    <lastmod>2026-05-27</lastmod>
    <xhtml:link rel="alternate" hreflang="it" href="https://balancehelper.it/report-mensile/" />
    <xhtml:link rel="alternate" hreflang="en" href="https://balancehelper.it/en/monthly-report/" />
  </url>
  <url>
    <loc>https://balancehelper.it/spese/</loc>
    <lastmod>2026-05-27</lastmod>
    <xhtml:link rel="alternate" hreflang="it" href="https://balancehelper.it/spese/" />
    <xhtml:link rel="alternate" hreflang="en" href="https://balancehelper.it/en/expenses/" />
  </url>
  <url>
    <loc>https://balancehelper.it/privacy-local-first/</loc>
    <lastmod>2026-05-27</lastmod>
    <xhtml:link rel="alternate" hreflang="it" href="https://balancehelper.it/privacy-local-first/" />
    <xhtml:link rel="alternate" hreflang="en" href="https://balancehelper.it/en/local-first-privacy/" />
  </url>

  <!-- English topical pages -->
  <url>
    <loc>https://balancehelper.it/en/subscriptions/</loc>
    <lastmod>2026-05-27</lastmod>
    <xhtml:link rel="alternate" hreflang="it" href="https://balancehelper.it/abbonamenti/" />
    <xhtml:link rel="alternate" hreflang="en" href="https://balancehelper.it/en/subscriptions/" />
  </url>
  <url>
    <loc>https://balancehelper.it/en/bank-account-costs/</loc>
    <lastmod>2026-05-27</lastmod>
    <xhtml:link rel="alternate" hreflang="it" href="https://balancehelper.it/costi-conto-corrente/" />
    <xhtml:link rel="alternate" hreflang="en" href="https://balancehelper.it/en/bank-account-costs/" />
  </url>
  <url>
    <loc>https://balancehelper.it/en/monthly-report/</loc>
    <lastmod>2026-05-27</lastmod>
    <xhtml:link rel="alternate" hreflang="it" href="https://balancehelper.it/report-mensile/" />
    <xhtml:link rel="alternate" hreflang="en" href="https://balancehelper.it/en/monthly-report/" />
  </url>
  <url>
    <loc>https://balancehelper.it/en/expenses/</loc>
    <lastmod>2026-05-27</lastmod>
    <xhtml:link rel="alternate" hreflang="it" href="https://balancehelper.it/spese/" />
    <xhtml:link rel="alternate" hreflang="en" href="https://balancehelper.it/en/expenses/" />
  </url>
  <url>
    <loc>https://balancehelper.it/en/local-first-privacy/</loc>
    <lastmod>2026-05-27</lastmod>
    <xhtml:link rel="alternate" hreflang="it" href="https://balancehelper.it/privacy-local-first/" />
    <xhtml:link rel="alternate" hreflang="en" href="https://balancehelper.it/en/local-first-privacy/" />
  </url>

  <!-- App entry + legal -->
  <url><loc>https://balancehelper.it/app/</loc></url>
  <url><loc>https://balancehelper.it/app/privacy</loc></url>
  <url><loc>https://balancehelper.it/app/terms</loc></url>

</urlset>
