<?xml version="1.0" encoding="UTF-8"?>
<!--
  LEGACY FALLBACK SITEMAP
  This file is kept as a fallback for older crawlers that bypass the sitemap
  index. The authoritative sitemap inventory is /sitemap-index.xml (seven
  section sitemaps). /sitemap.xml now redirects (301) to /sitemap-index.xml
  at the server level, so well-behaved crawlers never read this file.

  Only canonical, publicly-reachable URLs that return HTTP 200 are listed
  here. Redirect aliases, authenticated app surfaces (/dashboard, /chat,
  /portfolio, /watchlist, /today/*, /plan, /chats/*), and routes that do
  not have a real SPA registration are intentionally excluded.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Home -->
  <url>
    <loc>https://heydividend.com/</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Marketing / company -->
  <url>
    <loc>https://heydividend.com/pricing</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://heydividend.com/about-heydividend</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://heydividend.com/about-heydividend/product</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://heydividend.com/about-heydividend/pricing</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://heydividend.com/about-heydividend/free-tools</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://heydividend.com/about-heydividend/benchmark</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://heydividend.com/about-heydividend/customers</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://heydividend.com/about-heydividend/company</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://heydividend.com/about-heydividend/blog</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://heydividend.com/about-heydividend/widgets</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://heydividend.com/about-heydividend/security</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://heydividend.com/about-heydividend/compliance</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://heydividend.com/about-heydividend/contact</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <!-- /help redirects to /settings/help (auth screen) — excluded per task #3072 -->
  <!-- /contact redirects to /about-heydividend/contact — excluded per task #3072 -->

  <!-- Tools (canonical URLs — redirect aliases excluded) -->
  <url>
    <loc>https://heydividend.com/tools</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://heydividend.com/smartsheet</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://heydividend.com/calendar</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://heydividend.com/tools/drip</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://heydividend.com/tools/future-income</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Methodology articles -->
  <url>
    <loc>https://heydividend.com/learn/methodology</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Authentication (low priority — discovery only) -->
  <url>
    <loc>https://heydividend.com/login</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://heydividend.com/subscribe</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Top dividend ticker pages (representative set) -->
  <url>
    <loc>https://heydividend.com/dividends/SCHD</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://heydividend.com/dividends/VYM</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://heydividend.com/dividends/JEPI</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://heydividend.com/dividends/JEPQ</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://heydividend.com/dividends/O</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://heydividend.com/dividends/AAPL</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://heydividend.com/dividends/MSFT</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://heydividend.com/dividends/JNJ</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://heydividend.com/dividends/KO</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://heydividend.com/dividends/PG</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://heydividend.com/dividends/T</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://heydividend.com/dividends/VZ</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://heydividend.com/dividends/XOM</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://heydividend.com/dividends/CVX</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://heydividend.com/dividends/ABBV</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://heydividend.com/dividends/PEP</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://heydividend.com/dividends/MCD</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://heydividend.com/dividends/HDV</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
  </url>

</urlset>
