This portal is dedicated to Vedic Astrology - Vedanga Jyotish, a science that is deep-rooted in Indian culture, tradition, and philosophy of life.

Expenses and Spending Money – 12th and 2nd house

By Kshitij Sharma, July 20, 2008

According to Vedic Astrology, in a horoscope, 12th house indicates:

  • Expenses,
  • Foreign elements, places and journeys to foreign location and
  • Final liberation (moksha)

As far as expenses are concerned, this house is better left alone. Presence or influence of any planet in this house increases the tendency to spend money and the reason or the cause of expenditure depends on the disposition on the planet.

Position of 2nd house lord in 12th is daridra yoga and is considered inauspicious. This is not only an adverse yoga for a getting wealth, it also denotes that there will be expenses. The only exception to this rule is Venus, who is very happy in 12th house according to Uttara Kalamrita. Thus for Aries and Virgo lagna, even though Venus is lord of 2nd house that indicates dhana, it will do well in 12th house. Venus in 12th house also does not check expenses. It ensures that money is spent on luxuries and the person is “happy” about it.

Malefic planets do not tend to do well in this house often making expenditure and making the money wasted for all the wrong reasons.

Other planets (Moon, Mercury, Jupiter, Venus and Ketu) influencing this house ensure that the money is well spent. There are various connotations of “well” here. Essentially it means that the person spending the money will be satisfied with the way money is spent. It could be spent on his family, for his own enjoyment. It could be spent on religious activities, e.g. charity to temples, donations to brahmins etc.

House 11, which represents negation of attributes of the twelfth house is called labhasthana, i.e. house of gains. It has been dealt with in the post on money matters.

Interestingly, it is not the 11th house that governs the willingness to spend money. In Chamatkar Chintamani, it is mentioned that Jupiter or Venus in 3rd house denote a person who does not want to spend money either on others, or on himself. In other words, the person is stingy with money, essentially a miser. Following this logic, we can judge that lords of 2nd or 12th house if situated in 3rd house or under a strong influence of 3rd house lord, will also give results similar to those mentioned for Jupiter and Venus.

Presence of Jupiter in 12th house is said to help a person “accumulate” money. In some sense, this is a combination for misers. A well placed Jupiter will curb the tendency to spend money.


  • Comment by P.Jayashree Srinivas on August 29, 2008 at 6:07 pm


    As far as the presence of jupiter in 12th house, In my horoscope jupiter is in 12th house and is vakra in cancer(karkataka) which is uchha stnam for jupiter. If I go by your words ‘accumulation” of money, it would be false. As I am not a miser. And also I do spend a lot on our family and also for charities. I do donate money for temples and perform pujas at home & at temples and donate to brahmins too. All these are done in Guru Maha dasa which is running at present. So I do not think there is any accumulation of money with me.

  • Comment by Pt.Nitin Kashyap on September 9, 2008 at 8:47 am

    According to every classical book 8 n 12 houses should be vacant. As Mr.Shrinivas says he is spending money on religious deeds in Guru Dasha. I must say the natural karaktwa of planets enhanced when they are placed in 12 house. Only karaktwa related to their lordship is hamper.

  • Comment by lakshmi rallaplli on October 1, 2008 at 10:13 pm

    I have seen a man who has Mercury and Moon in twelfth in case of a Leo lagna is a miser.Another man with Aquarius Moon with Jupiter and Saturn in fourth a miser doesn’t donate much even in temples. Spending is related to these two houses two and twelfth .These two persons made several investments and accumulated money in their life ,than possessing vehicles .I suggest to my clients to invest or donate willingly in dasa of twelfth Lord.These two houses are important for a business man for transforming his gains into investments.People donate if they have good eleventh house willingly along with twelfth house placements.

  • Comment by ingrid on January 19, 2009 at 10:33 pm

    hi I have a question, I have aquarius in second house with the sun and mercury in it.whereas the moon and jupiter are in 11 house in scorpio. I see contradictions and i cant really make a rational conclusion. i kinda see both houses playing tug of war. Besides i have saturn in 10th house.I need a wise person’s advice of what this means and thought this would be the right place…thank you many times for your wisdom.

  • Comment by Satya Prakash Sharma on April 9, 2009 at 3:23 pm

    Dear, Sir
    In my kundali jupiter and moon at 12th house and satrun at 2nd house, 5th venus and sun and mercury at 6th house

  • Comment by dharmendra on June 15, 2009 at 12:37 pm

    sir, i have rahu,mars,sun,mercury in 11th house in my horo, moon in lagna(dhanu lagna) & jupiter in 6th house, saturn in 8th house, ketu in 5th house, venus in 12th house. my rahu’s mahadasha for 18 yrs. will started from october,09 so please tell me that this period will positive or negative for me & could this change my profession.please give me answer.

  • Comment by Ritesh Sharma on August 4, 2009 at 3:29 pm

    I have jupitor in third house in kumbh but I am not a miser. In twelfth I have rahu. I spend on my family but I spend on me, half goes waste. for charity I do.

  • Comment by Jeyapandi S on August 5, 2009 at 12:34 pm

    My lagna is simmam.
    I have 7th lord in 12th house.
    venus is “neesam” in second house.
    2nd house lord is “uchcham” in 2nd house.
    guru and chandran in 10th house.
    rahu in 3rd house.

    When will get life soul mate(marriage).

  • Comment by Ashwin on January 21, 2010 at 2:30 am

    respected sir,
    i am mithunam raashi , dhanur lagnam , punar poosam star
    saturn in lagnam 1st house
    rahu in kumbham 3rd house
    kuja in meenam 4th house
    guru in rishabam 6th house
    moon in mithunam 7th house
    sukran and ketu in simmam 9th house
    sun in kanni 10th house
    budhan in thulam rashi 11th house.. presently m going through saturn maha dhasa…. m 21 yrs old…. how s my future …pls analyse this chart sir.

  • Comment by Narasimhulu on May 22, 2012 at 6:14 pm

    in my kundali, guru is in 12th house (kanya rasi satru sthana) and Iam going through Guru mahadasa since 2010 Janauarywtih guru antardasa. I changed my job in Sept.1o for s lesser salary. On 31st may 2011, I had a mild heart problem and got operated with one stent with 1.5 lakhs espenses. later on I shifted my house to bigger one with high rent. Iam spending money on purchase of small assets like furniture and laptop and gold etc. It looks, whether I have to spend money till completion of my guru dasa. Pl guide me.

  • Comment by Beena on October 22, 2013 at 5:25 pm

    In my lagna, guru is in the 4th house (cancer) in pushya. It being the lord of 12th house, will I have my own house. My DOB is 2nd jan 1979 and birth time is 13.32 hrs, mumbai. kindly suggest on my financial state

  • Comment by Abhijit Dey on September 12, 2014 at 12:42 pm

    Sir, my 12th hoose from Lagna is occupied by SUN+MURCURRY+MARSH , hence would like to know the advantages and disadvantages of this position .

    Also would like to know in which trade I should start my Business .

    Please help and advice .


    Abhijit Dey

  • Comment by prk on February 27, 2015 at 11:14 am

    what ever is said about 12th house barring presence of venus is 100% true in my life !!!. i have 3 planets in my 12th house (saturn, rahu, kuja). saturn is the lord of 2nd house. due to this planetary position i had more debt than what i earned. sometime i felt i am born to create debt only !!!

  • Comment by Adi on September 20, 2015 at 3:19 pm

    I have my 2nd lord Saturn in 12th house and 12th lord mars exalted in 2nd house.My ascendant lord Jupiter is with moon in 3rd house . I’m not a miser.

  • Comment by anil sajjanhar on March 22, 2016 at 11:24 pm

    Dear sir I am having my shani and Ravi in second house budh and sukra in third house surya in fourth house mangal in seventh house and ketu in eight house last guru and moon in twelth hose kindly how is good and bad effects r there

  • Comment by krishna on September 4, 2016 at 5:25 am

    Dear sir.
    I hv one quest….in my 12th house jupiter and sun along with mercurry .saturn in 2nd house.mars and moon along with venus in 11th.rahu in 4th and ketu in 10th house.suffering with kaal sharpa dosh.mesha rashi.mituna lagna.please advise me about my future.rahu maha dasha

  • Comment by RAMESH KULKARNI on November 23, 2018 at 3:59 pm

    In my son’s horoscope, Libra is ascendant and Jupiter, MOon, Mercury, & Saturn are in 12th ahouse, Sun in 1st houise and Venus & Mars are in 2nd & 11th house respectively. How do you predict this horoscope?

  • Comment by Indira Mohan on February 12, 2022 at 8:00 pm

    My granddaughter has Buddha (mercury) 7 th lord in 12 th house with Rahu . What are her marriage prospects.

Please follow this link for Contact and Consultation.

Before submitting a comment on VEDIC ASTROLOGY, please understand that discussions/messages on the forum and on the blog are visible to the visitors of the site as public information and you allow the site to use the comment appropriately in the articles and notes. Inappropriate and irrelevant comments will be removed at an admin’s discretion. Your email is used for verification purposes only, it will never be shared. Please go through the Terms of Use in the footer of the page.