Money

Talk to an astrologer about money, debt and financial problems

Money trouble, a loan, a business in loss, a new venture or a house: what an astrologer reads for each, and what a chart can never replace.

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Updated 2026-11-02

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For two years money has not stayed with me. My salary goes in EMIs and family costs, and every month ends short. What does my chart say about my finances?

Let us look at it together. Please share your date, time and place of birth. In Vedic astrology I first read your 2nd house of savings and the 11th of income, then the 12th of spending and the dasha you are running. Then we talk about which periods look steadier, and you keep the money plan with your CA or bank.

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Example of a consultation about money on Kismo

Short answer

You can talk to an astrologer about money problems by chat or call, with your date, time and place of birth. In Vedic astrology the astrologer reads the 2nd house of wealth, the 11th of gains, the 6th of debt and the 12th of loss, then the running dasha and transits. A reading points to periods; it is not financial advice, and money decisions belong with a CA or adviser. On Kismo, verified astrologers answer online from anywhere in India and abroad.

Key facts

What are the key facts about money?

	Answer
What it covers	Money trouble, debt and EMIs, a business in loss, starting a business, buying a house or land
What an astrologer checks	The 2nd, 11th, 6th and 12th houses, the 4th for property, Jupiter, the running dasha and Saturn's transit
What it cannot do	Pick a stock, name a day to invest, promise a sum or end a debt; it is not financial advice
Who to ask for the money decision	A SEBI-registered adviser, a chartered accountant or your bank
What to bring	Date, time and place of birth; without a birth time, some astrologers cast a prashna chart for the moment you ask
Price on Kismo	From ₹15 a minute, one rate for chat and call; the first session carries 5 free minutes, no card needed
Where	Online, from anywhere in India and abroad, in 16+ languages

What gets checked

What does an astrologer check for a money question?

An astrologer checks four houses for almost every money question: the 2nd, the 11th, the 6th and the 12th. Kismo is an app where you talk to verified Vedic astrologers by chat or call, in 16 languages.

The 2nd house of wealth. Brihat Parashara Hora Shastra (chapter 11, verse 3) reads wealth, grain, family, metals and jewels from it ¹.
The 11th house of gains. The same chapter (verse 12) reads income, increase and the many sources of gain from the 11th ¹. Phaladeepika (chapter 1, sloka 15) calls it labha, aya and prapti: gain, income and profit ².
The 6th house of debt. Phaladeepika (chapter 1, sloka 13) lists rina, debt, under the 6th, beside enemies, disease and thieves ².
The 12th house of spending. Brihat Parashara Hora Shastra (11.13) reads expenditure and losses from it, and Phaladeepika (1.16) adds decline and poverty ¹².
Jupiter, the planet of wealth. Phaladeepika (chapter 15, sloka 17) makes Jupiter the karaka of both the 2nd and the 11th house, and Saturn of the 12th ³.
Timing. Brihat Parashara Hora Shastra (chapter 41, verse 16) says the lords of the 5th and 9th give wealth in their own periods, so the running dasha comes last ⁴.

For a house or land, the 4th house joins the list: Brihat Parashara Hora Shastra 11.5 reads land, the home and vehicles from it ¹. For trade, Phaladeepika puts commerce (vyapara) in the 10th house, not the 7th ². Schools weigh these rules differently, so ask which one your astrologer uses.

Problems

Which money problems can an astrologer help with?

Financial problems
For money that does not stay or keeps running short: the astrologer weighs the 2nd and 11th houses against the 12th, then the dasha or sade sati running now.
Debt
For loans, EMIs and karz: the astrologer reads the 6th house of debt and its lord, and which periods the chart links with clearing it, next to a repayment plan with your bank.
Business losses
For a shop or company running at a loss: the astrologer reads the 10th house of commerce, the 11th of profit and the period running, never which product to cut.
Starting a business
For a new venture: the astrologer reads whether the chart leans to trade or service and which periods look stronger to begin, while the plan and the money stay with your CA.
Buying property
For a house, flat or land: the astrologer reads the 4th house of land and home and its lord, and the periods linked with property, never whether a price or project is sound.

Money in India

What money problems do households in India face?

Borrowing is rising faster than it used to. India's household debt reached 41.3% of GDP at the end of March 2025, the Reserve Bank's Financial Stability Report said, above its five-year average of 38.3% ⁵. Loans for consumption made up most of that borrowing, not loans for houses or businesses ⁵.

About one rural household in three owes money. The All India Debt and Investment Survey found 35% of rural and 22.4% of urban households in debt on 30 June 2018 ⁶. Among indebted households, the average debt was ₹1,70,533 in villages and ₹5,36,861 in towns and cities ⁶.

Debt also weighs on the mind. A review of 65 studies found people in debt about three times as likely to have a mental disorder (odds ratio 3.24), with a link to depression too ⁷. If money worry leaves you hopeless, call Tele-MANAS on 14416, India's free mental health line, open 24 hours in 20 languages ⁸.

Two official channels help when money goes wrong. For online fraud, call the national helpline 1930 or report on cybercrime.gov.in ¹⁰. For a bank or NBFC that does not answer a complaint within 30 days, the RBI Ombudsman takes it free at cms.rbi.org.in ⁹.

Before you pay anyone

How do you know an astrologer is genuine?

Every Kismo astrologer passes four steps: qualification review, panel interview, live audits of real sessions, 30-day probation.
Nobody can guarantee an outcome. Treat any promise of a fixed result as a red flag.
Never pay for an expensive puja or ritual under pressure. Get a second opinion first.
On Kismo you only pay for the minutes you use; misconduct, pressure or a request for money outside the app is handled by a person.

How we verify astrologers · How these pages are written

Astrologers for this

Which astrologers can I talk to about money?

Mariyammal k
Vedic Astrology, Prashna Astrology · 4 yrs
Tamil
★ 5.0 · 5,999 orders · ₹25/min
Sarvesh Nigam
Life Coach, Numerology · 1 yrs
Hindi
★ 4.9 · 5,999 orders · ₹20/min
Shri nath guru ji
Vedic Astrology, Prashna Astrology · 8 yrs
Hindi
★ 4.9 · 5,992 orders · ₹20/min
Rishabh Pharswan
Vedic Astrology, Life Coach · 5 yrs
English, Hindi
★ 4.5 · 5,991 orders · ₹25/min
Chhaya yadav
Vedic Astrology · 3 yrs
Hindi
★ 4.5 · 5,989 orders · ₹25/min

Talk to Mariyammal Get it on Google Play

How it works

How does a consultation on Kismo work?

Log in on kismo.app or get the app from Google Play.
Pick an astrologer who speaks your language and works with your question.
Share your date, time and place of birth.
Ask by chat or call. The first session carries 5 free minutes, then each minute is billed from your wallet.

Questions worth asking in the session

Which houses and planets in my chart matter most for money, and why?
Which dasha am I running now, and what do the texts say about wealth in it?
Is my 2nd house or my 12th house under more pressure right now?
Which months or years look steadier for money, and on what basis?
What practical step should I take meanwhile, and whom should I ask about it?
Which simple, free practices do you suggest, if any?

Before you book

What should I know before booking a session about money?

Question	Answer
What does a session cost?	Each astrologer sets one rate for chat and call, from ₹15 a minute. A 10-minute session at ₹15 a minute costs ₹150 (October 2026).
Is the first session free?	5 free minutes on the first session, no card.
Chat or call?	Both. You choose when you start the session.
Do I need an exact birth time?	It helps. Without one an astrologer can still read your Moon sign and planets by sign, or work out the time with you.
Is my chat private?	Your chat is not shown to other clients. How Kismo handles your data is set out in its privacy policy at kismo.app/privacy.
What if I am not happy?	There is no refund for a reading you did not like. Misconduct, pressure or a request for money outside Kismo is handled by a person.
Where does it work?	Online, from anywhere in India and abroad. People use Kismo from 80+ countries.

What else do people ask an astrologer about?

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FAQ

Questions people ask

Can I talk to an astrologer online about my financial problems?

Yes, a money reading works fully online, since it needs only your birth details and your question. You can talk to an astrologer about money, debt or a business on Kismo, where verified Vedic astrologers answer by chat or call, from anywhere in India and abroad. Keep your date, time and place of birth ready, and one clear question, such as a loan or a property.

Which planet is responsible for money in astrology?

Jupiter is the main planet for money in Vedic astrology. Phaladeepika names Jupiter the karaka of both the 2nd house of wealth and the 11th house of gains ³. Many astrologers also read Venus for comfort and luxury, and Mercury for trade. The lords of your own 2nd and 11th houses, which depend on your ascendant, usually matter more than any one planet.

Which house in the kundli shows money and wealth?

The 2nd house shows wealth in a kundli, and the 11th shows income and gains. Brihat Parashara Hora Shastra reads wealth, grain and jewels from the 2nd, and gains and increase from the 11th ¹. Astrologers add the 6th for debt, the 12th for spending and loss, and the 4th for land and a home.

Can astrology tell me if I will be rich?

No, astrology cannot promise wealth. An astrologer can read dhana yogas, wealth combinations that Brihat Parashara Hora Shastra lists in chapter 41, and point to the periods the chart links with gain ⁴. Income, savings habits and the economy still decide the result. Treat anyone who names a sum or a date of riches as a red flag.

Can an astrologer tell me when to invest or which shares to buy?

No, and a careful astrologer will not try. A chart is not financial advice, and no classical rule names a stock, a fund or a lucky day to invest. Take investment decisions to a SEBI-registered adviser, a chartered accountant or your bank. Use the astrologer for the reading of your periods and for questions about your own patterns with money.

Is a chat about my money problems expensive on Kismo?

No, a money chat on Kismo starts from ₹15 a minute, one rate for chat and call set by each astrologer. You pay from a wallet with a minimum top-up of ₹100, billed per started minute, and only the minutes you use are charged. The first session carries 5 free minutes with no card needed, enough to share your details and ask one money question.

How do I spot a fake astrologer selling money remedies?

A fake money astrologer sells fear and products: a costly puja, a gemstone, a 'dhan yog' bracelet, a yantra or 'wealth vashikaran', often with a promise of fast money. A genuine one explains the reading and suggests simple, free practices, if any. Every astrologer on Kismo passes a qualification review, a panel interview, live audits and a 30-day probation before taking sessions.

Can I ask about money if I do not know my birth time?

Yes, partly. Without a birth time the ascendant, and so the 2nd and 11th houses, cannot be fixed. Some astrologers then cast prashna, a chart for the moment you ask the question. Others read from the Moon sign, which a birth date usually gives, and Saturn's transit over it. Even a two-hour range of birth time narrows the reading.