Terms of use and disclaimer
What Gunaka is
Gunaka (gunaka.in) provides free calculators and plain-language guides on loans, savings, tax and salary for people in India. By using the site you agree to these terms.
Estimates, not advice
All results are estimates for planning. They are not financial, investment, tax or legal advice, and they are not an offer or a recommendation to buy or sell any product. Talk to a qualified professional before you make a financial decision.
Accuracy of figures
We try to take rates, slabs, allowances and rules from official sources and we link the source where we can. Rates and rules change, and banks and schemes may round or calculate differently, so the figure you get from your bank, employer or the government is the one that applies. Check the official source before you rely on a number.
No guarantee
The site and its content are provided as they are, without any promise that they are complete, current or free of errors. We are not liable for any loss that arises from using the calculators or guides.
Your data
The calculators run in your browser and the numbers you type are not sent to our servers. See the privacy policy for details about cookies and advertising.
Advertising and links
The site may show advertisements. We do not endorse advertised products. Links to other websites are for your convenience, and we are not responsible for their content.
Intellectual property
The text, design and code of Gunaka belong to its owner. You may link to our pages. Please do not copy guides in bulk without permission.
Changes and governing law
We may update these terms and the date above will change. These terms are governed by the laws of India.
Contact
Questions: contact page.