What is Karmic Debt? And how to calculate yours!

What is Karmic Debt? And how to calculate yours!
I’m sure you’ve heard of karma, but have you heard of karmic debt? Karmic debt refers to the recurring lessons in your life that are being repeated (both in this life and past ones) because they weren’t completed. They will continue to appear until they are. Karmic debt numbers are the number of lessons you must learn, or the number of issues you are meant to overcome in this life. They are derived by finding your numerology profile. Think of it this way, have you ever heard someone say “Why does this always happen to me? What did I do to deserve this?”, well that’s actually your karma coming around trying to get you to finally resolve these life theme issues. Karmic debt is the patterns in your life that are being repeated and they are typically bad patterns or unresolved issues in your life. For example, you could be constantly struggling with money, sabotaging your relationships, or avoiding responsibilities in your life.

Karma is a Sanskrit term that means "action" or "deed." It is the balance of good and bad actions performed in past lives. Karma exists to ensure that you complete your life's tasks, which may include career success or personal growth. Jainism teaches that karma acts as an invisible thread, connecting one lifetime to the next through unavoidable life lessons. We've all got karmic debt to work through, some more than others but this doesn't mean anyone is better or worse. Karmic debt focuses on the individual, don't look at your karmic debt as a life sentence but as a guide on what to overcome and focus on. We can find our karmic debt within our birth charts, both in Astrology & Numerology.


Karma is often seen as a cause and effect system, where our good deeds will be rewarded and our bad deeds will be punished. However, it is important to remember that karma is not simply a system of punishment and reward. It is also a means of spiritual growth and evolution. In order to complete our life's tasks, we must experience both the good and the bad. To fully understand something in life, we must experience it not just agree or come to terms with it. There are many ways to reduce our karmic debt, including meditation, service to others, and self-reflection. By reducing our debt, we can make progress on our spiritual journey and become better people. We can also learn from our past mistakes and avoid repeating them in the future by breaking that cycle.


Karmic debt is mainly known through Numerology. To calculate your full Chaldean numerology chart click here!  In Numerology, each number from 1-9 has a specific meaning. The numbers 11 and 22 are also known as master numbers. These master numbers have extra strength and power. The number 33 is also considered a master number, but it is not as common. Each number can be reduced to a single digit by adding the digits together. For example, the number 12 can be reduced to 1+2=3. The number 33 can be reduced to 3+3=6. The same can be said to find out your karmic debt in numerology, 4 numbers signify karmic debt within numerology, they are 13, 14, 16, and 19; these can be reduced to 4, 5, 7 and 1. Karmic debt number 13 centers on abuse in work or through material gains, and number 14 focuses on abuse of escapism and self-control, with tendencies towards laziness. Our second to last karmic debt number 16 works on issues with abuse of love, loyalty, and commitment. While our last karmic debt, number 19, deals with abuse of independence and struggles with supporting oneself.

Even our Astrological placements hint toward karmic debt from past lives. To calculate your Astrology birth chart click here! The two specific placements within our natal chart that focus on karmic debt are the North / South node and our Saturn placements. The Nodes of fate or Nodes of destiny within our birth charts are the point where the Moon and Sun crossed paths in the sky during your birth. The Nodes of destiny dictate the energy we are meant to pursue and release in this life. If we were to compare your numerology and astrology charts, your Node of fate are your karmic debt and its solution. The Nodes help us determine where our destiny lies (north) and who we were in past lives (south). Learning and thoroughly dissecting the Nodes within our natal charts can help us answer questions that have been plaguing us our entire lives. Questions like, what am I supposed to do in life? Why am I alive? And Who have I been in other lives? Another very important portion of this aspect is your soul tribe. People who share your Nodes of destiny grouping are part of your soul tribe. A soul tribe consists of a group of souls who decided to reincarnate together for a specific purpose, to learn the same lessons. The astrology within the ancient Jewish mysticism the Kabbalah focuses strongly on your North and South nodes. Saturn is known as the stern teacher and that is the planet that represents the lessons that need to be learned. That is the planet of karma. If you have karmic debt from previous lives in an area of your life, that will be represented by the placement of Saturn within your birth chart. Those are the areas of your life that you would find to be the most problematic or difficult.

If you are looking to reduce your karmic debt, there are many resources available to help you, our guild being one of them. Within the guild we go over Karmic debt and many other self-care magic topics and tips, click here to check it out! There are books, websites, and even karma calculators that can help you understand your debt and find ways to reduce it. Reducing your karmic debt is a personal journey, and there is no one-size-fits-all solution. However, by taking the time to understand your karma and make an effort to reduce your debt, you can improve your life and relationships and become a better person.


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