Karmic debt calculator

Where karmic debts come from

The calculator checks five totals before they are reduced:

• the Life Path total: your reduced birth month, day and year added together;
• the Expression total: every letter of your full name;
• the Soul Urge total: the vowels;
• the Personality total: the consonants;
• your birth day itself (born on the 13th, 14th, 16th or 19th).

If a total is 13, 14, 16 or 19, or reduces through one of them (31 becomes 4 without passing 13, but 49 becomes 13, then 4), that karmic debt is in your chart.

What each karmic debt means

Karmic debt numbers explained covers each one in depth.

Frequently asked questions

Is a karmic debt bad?

Numerology reads it as a lesson rather than a punishment: an area of life that asks for more effort, and rewards it.

What is the difference between karmic debts and karmic lessons?

Karmic debts are the totals 13, 14, 16 and 19 inside your core numbers. Karmic lessons are the numbers from 1 to 9 missing from the letters of your name.

Can I have more than one karmic debt?

Yes. Each of the five totals is checked, so a chart can carry several, and the calculator lists every one.