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Money Matters

By Kshitij Sharma, March 3, 2007

The problem of determining financial success of a person can essentially be broken down in to three main questions:

  1. What is the profession of an individual?
  2. What is the source of money for this individual and what amount of money will this person earn through this source?
  3. How will this person be able to retain this money and increase its value?

Astrologically, the first question is answered by looking at the 10th house that represents the profession and the area in which a person is employed. If you look at the last post about Cricket, Mars, the ruler of the 3rd house associated with 10th house and its ruler would give a career in sports.

In Vedic Astrology, the three main houses that govern wealth in a chart are the 2nd house, 11th house and the 5th house.

5th House: This Lakshmisthana governs money coming from speculation – shares, stock market and related instruments. A powerful 5th house along with 9th house is said to bring luck to an individual. 9th house represents bhagya and is therefore called bhagyasthana. 5th being 9th from 9th also represents luck in the horoscope.

11th House: House number 11 in a horoscope represents livelihood in a chart. A person may have a lot of interests, but the kind of influence on 11th house alone will determine what this person will earn from. The strength of the house and ruler would determine the the size of source of income. It is also known as labhasthana, which loosely translated means – house of profit. It, therefore, represents gains of all kinds.

2nd House: Financially, house number 2 (dhanasthana) represents the net worth of an individual. It denotes the extent to which the individual will be able to retain the money earned through sources represented by 5th and 11th house.

11th house can be thought of as a tap and 2nd house as a bucket. The bucket is filled with water flowing from the tap. How much water will accumulate depends on the rate water flows from the tap and size of the bucket. Shri J.N. Bhasin, in his book “Astro Sutras”, makes a very good point about the 2nd house. He says that the 4th house represents the house where an individual lives. Similarly, 2nd house, by being 4th from 11th represents where money coming from 11th house is deposited – a bank, treasury, or in other words, it represents the accumulated wealth of the individual. This is the fixed deposit in a bank. 5th house is the stock market and gains through gambling and speculation. If someone can count cards (use their brain) and win money in poker or blackjack in Las Vegas (gambling), then it is due to 5th house significations.

Various Dhana Yogas, i.e. planetary combinations of wealth, are formed when rulers of these houses are associated with each other and with rulers of 1st, 5th and 9th house. This association could be through conjunction in good houses, exchange and through mutual aspect. Involvement of Jupiter as benefic planet in these combinations is considered extremely auspicious. In Brihat Parashara Hora Shastra, Venus and Mercury are also mentioned along with Jupiter as planets bestowing wealth when connected with 2nd or 11th house. Apart from these dhana yogas, various raj yogas and the panch mahapurusha yogas are also considered combinations of wealth.

Just as there are Dhana Yogas denoting wealth, there are yogas denoting poverty – Nirdhana Yogas. These yogas are formed when ruling planets of these wealth houses are associated with rulers of  6th, 8th and 12th house or are situated in these houses. Any such association would cause loss of status, distress and bring adversity to an individual. This situation can be thought of either the bucket being leaky or someone disrupting the flow of water by turning the tap off. 6th house and 12th house are more important here in this combination for nirdhana yoga. 8th house is indeed a dusthana, but its effect is important from a source of money that is inheritance. 8th house is a house of death, but it also gives money due to death of someone else. Will, insurance and wealth coming from that angle is seen from the 8th house in a janma kundali. Transit of Jupiter and Saturn over 8th house may cause other misery, but will also affect this inheritance aspect.

The association of 2nd and 6th houses in the chart is good and follows the logic that these two houses form the artha trikona. They are 5th and 9th from each other. Lord of 6th in 2nd house is good for wealth (artha), especially if Jupiter is strong. At the same time, it is bad for family feud and other indications of 2nd house. Similarly Lord of 2nd in 6th house indicates that the person would gain from his/her enemies.

The association of 6th and 11th is not good. They are 6/8 from each other. The placement of 6th lord in 11th or vice versa indicates problems with earning money. Especially if 6th Lord is located in 11th house, it indicates delays. If this happens to be Mars or Saturn, along with Rahu, then severe results may be predicted.

Rulers of 2nd house and 11th house, if rendered powerless, e.g. by being in evil houses and/or by being combust, will bring extreme poverty to an individual. Therefore, the strength of these planets, along with the strength of ascendant, is extremely important for prospects of money. If there are any dhana yogas in the chart, appropriate measures should be taken to strengthen the planets during their dasha periods. If any nirdhana yogas are indicated in the chart, care should be taken to strengthen the planets situatued in the ascendant, ascendant lord, Jupiter, if benefic, and other yogkarakas in the chart to neutralize the affect of planets causing nirdhana yoga. Making changes to lifestyle is also suggested.


  • Comment by Janani on April 10, 2007 at 11:20 am

    I would like clarification on a point here. If the second house in a chart is stronger than the 11th and 5th houses does it mean that the individual need not be rich at all. Will this only indicate that the individual will be able to save money even though his earnings could be very low?

  • Comment by sanjay on March 11, 2008 at 5:40 pm

    very good website

  • Comment by sanjay rastogi on August 25, 2008 at 1:29 pm

    Ruler of my 2nd house is mercury which is combust and is situated in 12th house along with venus and mars. my date of birth is 21-05-1979 and time of birth is 06:50am and place of birth is lucknow kindly advice me about my wealth position.

  • Comment by Ang on March 1, 2009 at 2:07 pm

    Hi! My friend’s on the verge of suicide because of debts. No matter what he tries, it fails from the money point. DOB 29/12/55, time 6 am, asc sag, Mer Sun in H1, Ve in H2, Ke in H6, Mo in H7, Ju H9, Ma H11, Ra Sa H12; so Lord of 2nd house is in 12th house of loss, lord of 11 is in H2, final lordship in H12, Ve lord of H6 is in H2, lord of 5 is in H11 whose lord is again in H2? Does this mean he is condemned to utter failure irrespective of what he tries? Outwardly he appears successful but inside is struggling desperately, has been fighting against debts for the last 25 years and is about to give up. instead of progressing he has contracted more debts to pay older debts and this in spite of extremely hard work. Whatever he touches on the money front brings him further debts. Please help!

  • Comment by narasimhamurthy on January 22, 2010 at 1:17 pm

    i am in full trouble regarding family, money, health, wealth please send reply in this regard

    name is narasimhamurthy k.r.
    my dob is 13-01-1972
    birth time 6.30 p.m.
    birth place Mandya

  • Comment by U.Yogi on May 2, 2010 at 3:56 am

    Dear narasimhamurthy k.r.

    From 04 May 2010 good time starts till 10th March 2011.

    Watch out !!!!


  • Comment by Dipankar Sahu on May 19, 2010 at 7:05 pm

    I am faceing a miracle problem from last year 2009 Jan. Can you plz tell me when shall I earn Money from Share. Last One years I am facing Miracle problem with share. I knew very well which share will go up/down, but If I buy any share that particular share make me have loss. Its an miracle to me. If I buy 5 different share, all 5 forced me to have loss, where the market is Zoom to Sky. How this happen and why its happened to me? How to beat my bad luck and earn money from share market.
    DOB : 18.03.1976
    TOB : 07.26 AM
    POB : Contai (21° 50′ N, 87° 48′ E)

  • Comment by House on June 12, 2010 at 4:50 pm

    DOB: Nov 5, 1982
    time: 3.45 am
    Place: Mumbai

    Please review my 2nd house planets. How successful will I be in business? and when?


  • Comment by patel ankit on April 10, 2013 at 5:13 pm

    my name is ankit patel
    bod:-10 nov,1992

    please tell me,have I luck in share market or not?

  • Comment by n.n.ramakrishna on August 14, 2013 at 12:45 pm

    bod:20-05-1961 Night time 2.35 Place:Amalapuram-A.P
    Please tell me, financial and job position

  • Comment by Anil Doot on December 1, 2013 at 10:05 am

    Please review my 2nd house planets. How successful will I be
    in business? and when? DOB 13 NOVEMBER 1991 …..birth time 08:14:06 am

  • Comment by Anil Doot on December 1, 2013 at 10:09 am

    DOB 13 NOVEMBER 1991 …..birth
    time 08:14:06 am mere ko kamyabi kab milegi? Please tell me sir my mobile number is 09828733073

  • Comment by Vinod on June 4, 2014 at 10:46 am

    Namaste Guruji,

    I’m facing lots of financial crisis since last 1 year, even not able to pay a school fee of my child also facing problem at work place. I’m doing job as a deputy manager accounts and finance and not getting promotion since last 2 years. Having debt on my head and 60% of amount will be used in repayments.

    Dear Guruji Please help me and give some solution to reducing debts and give some remedies to getting new job or get promotion in current orgatization… and please tell me what is the reason or aim of my life to birth as a man.

    Please do needful, my details are as under.

    Date of Birth : 12-09-1979
    Time of Birth : 04.30 am
    Place of Birth : Ahmedabad ( Gujarat )
    Marriage Date : 23-06-2007 (Wife Name : Deepa )
    Child Birth Date : 20-12-2008 ( Name : Pratik)

    Thanking you

    Vinod Gupta

  • Comment by maheshwer singh on March 15, 2015 at 9:06 am

    Name maheshwer singh
    D O B 25 03 1972
    TIME 5 30 AM


  • Comment by vikas on July 21, 2015 at 2:42 pm

    bussiness related qwestion.

  • Comment by zulfikarsaleem on August 9, 2015 at 3:08 pm

    My yoga dhana yoga powerful

  • Comment by zulfikarsaleem on August 9, 2015 at 3:10 pm

    My yoga powerful dhsna yogs

  • Comment by Veena Raut on September 20, 2016 at 11:14 am

    I have lot of problems regarding money plz help
    Dob: 23-01-1975
    Time: 00.05
    Birthplace: nasik

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