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Money Matters and 12th House

By Kshitij Sharma, April 23, 2012

This post may please be read alongside two other posts on the same topic: Expenses and Spending Money – 12th and 2nd house and Money Matters.

In a horoscope, 12th house is said to signify the following with respect to money:

  • Losses
  • Expenditure

Essentially, we are talking about going away of money, either benefiting the

individual (the pleasure of spending) or causing grief (losses). If there are benefic influences, the effect is former, where the individual spends the money on good deeds. If there are malefic or cruel influences, the effect is that either the money is spent in a questionable way or the wealth is frittered away.

The placement of the 12th lord is important. The following houses cannot be considered good for placement of 12th lord:

  1. 2nd house and 11th house: lack of money of out of control expenditures
  2. 4th and 7th house: no property

In general placement of 12th house lord is considered bad in trines or quadrants. However, according to How to Judge a Horoscope, Volume 2, 9th house is considered excellent placement for 12th house lord provided there is other benefic influence on the house/planet.

Good placement of 12th lord and good placement of planets in 12th lord, make a person generous. Benefics in 12th make a person thrifty.

A placement of afflicted planets will fritter away the wealth. Dr. Raman provides a set of guidelines as to how the money would be spent:

S.No. Planet Type of expenditure/loss
1. Sun money taken away by government of the day
2. Mars Enemies/Wars, ransom, cheating, fire
3. Mercury Loss due to speculation in share market
4. Venus Scandals, blackmails, etc.
5. Moon Medical bills


  • Comment by Aishwarya on February 12, 2013 at 11:10 pm

    What about jupiter? The table doesnt have it. If jupiter is placed in Saggitarius in 12th house, then?

  • Comment by Aditya on March 3, 2013 at 10:34 am


    Jupiter will give good result as Jupiter has its lordship over 12th house & Saggitarius both.

    Jupiter will aspect 4th house of Home,lands & Vehicles so Jupiter will give favorable results. You also need to check 10th & 2nd house & their lords for money matters.

  • Comment by Dj on August 26, 2013 at 2:13 pm

    How about Jupiter in 12th house Libra? Venus in 10th house. How wud Jupiter Dasha be?

  • Comment by Vivek on September 4, 2013 at 7:09 am

    I have the following configuration:

    Capricorn lagna at 18 degrees

    moon in Taurus at 0.3 degrees
    mars in cancer at 17 degrees, rahu in cancer at 6.5 deg
    sun in virgo at 1.5 degrees
    Jupiter in virgo (12th lord) at 21.5 degrees
    Saturn in virgo at 17 degrees
    mercury in virgo at 27 degrees (virgottam in virgo in D9 also)
    venus in libra in 10th at 13 degrees

    currently running rahu MD till age 39 then will run Jupiter from 39 to 55

    how will Jupiter dasha be? it is lord of 12th in 9th in conjunction with 9th lord mercury and 1st and 2nd lord Saturn also in 9th?


  • Comment by Amit mahajan on September 13, 2013 at 12:06 pm

    its good…kshitij sir ji….
    mera mithun lagan hai…
    1) house…mars
    2) sun, jupiter, mercury, venus
    3 saturn, rahu
    9) ketu
    12) Moon
    plzzz sir future k bare me bataye !!!!!

  • Comment by Praveen Bhatt on October 2, 2013 at 10:31 am

    good morning sir
    sir mera dhanu lagan hai.
    1)house in sun and saturn
    9) ketu
    10) moon
    12) venus

  • Comment by lalit on October 8, 2013 at 4:09 pm

    my dob is 06 march 1985 meerut 11:10 am. please tell me my coming professional life.

  • Comment by Raghavendran T B on October 16, 2013 at 4:56 pm

    Doesn’t 12th from Arudha Lagna indicate monetary loss, as Arudha indicates materialism?

  • Comment by gurunath Kalose on November 18, 2013 at 12:32 pm

    Dear Sir,

    Please do let me know whether I have foreign onsite opportunity in my kundali.

    DOB – 1st December 1973
    Time : 06.10 AM
    Please : India, Karnataka, Bangalore.


  • Comment by smita on December 4, 2013 at 5:48 pm

    dob 10thmay1958 place dhanbad time 4.45mornig running shani dasha going through bad phase tell future

  • Comment by Chandra on March 9, 2015 at 8:56 am

    Dear All,

    Few questions on the following combinations
    Dhanur Lagna : mercury Venus conjunction in 1st house.

    A) 1st Lord Jupiter in 6th House & 6th Lord Venus in 1st House (1st & 6th parivarthana) from

    From Moon, it will be 2nd & 9th Lord Parivarthana.

    IS this Dainya Yoga or Maha Parivarthana yoga?

    B) 9th Lord Sun in 12th House in Scorpio & in Conjunction with Mars & aspected by Jupiter from
    6th house & 5th Aspect of Saturn from 8th house?

    I have a observation that the Results vary between Home land & Foreign land?
    Can any one share some light on this?


  • Comment by jitendra on April 17, 2015 at 9:22 am

    If sun,moon,mercury&rahu is placed in 12th house…jupiter in 1oth house…

  • Comment by vipu on November 22, 2015 at 9:53 pm

    good evening sir
    sir mera vrish lagan hai
    1), Blank
    2). moon
    3). Blank
    4). Mars
    5). Sun and venus
    6). Mercury and ketu
    7). Saturn
    8). Blank
    9). Jupiter
    10). Blank
    11). Blank
    12). Rahu plz sir suggest me

  • Comment by Shani on July 22, 2016 at 9:18 pm

    Dear sir, my dob is 1st may 1976, place of birth-Nagpur India, time – 9.05 am. I am facing lot of struggle in my personal , relationships with husband , career and money issues. Please can u guide me when good time will come for me. Regarding my kundali I see Lord of 1st house(mercury) and Lord of 2nd house(moon) together in 12th house, is this a raj yog. Please let me know when will my good time come

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