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Written by Michelle Cardillo | Updated On December 03, 2021

How Do I Know If I Have Karmic Debt? (and How to Settle It)

How Do I Know If I Have Karmic Debt? (and How to Settle It)

Does it seem like you’re always in a bad situation? Do you notice a pattern of negative outcomes in your life? If you find yourself in recurring bad relationships, financial troubles, or negative emotional states, then you might have some karmic debt.

This isn’t a bad thing though. When I realized my karmic debt and began to embrace and repay it, my knowledge of self and the universe improved, and my life path and destiny became much clearer.

I’ll give you some tips on how to calculate and settle your karmic debt so that you too can lead a positive and fulfilling life. But first:

What Karma Is (and Isn’t)

Most of us have an idea of what Karma is. The popular definition has to do with reaping what you sow – what goes around comes around. While this does a decent job of capturing the principle of Karma, there’s a lot more to know.

Karma isn’t the ominous shadow that threatens revenge for every bad thing you might have done. Instead, karma could be seen as a teacher giving you lessons and rewarding you based on your performance.

Karma isn’t always bad; karma could also be good, pouring a bounty of great rewards into your life for living according to its lessons.

The principle of karma is rooted in Buddhism, where reincarnation is a key part of the cycle of life. Therefore, whatever lessons karma has in store for you could last beyond your current lifetime, or be the result of the actions you took in a previous lifetime.

When you fail to live according to the lessons of karma (by doing something bad, for instance), you rack up a karmic debt. Your karmic debt follows you to your next lifetime after reincarnation if it hasn’t been paid – and the next, and the next, until it gets paid. That way, you’re given as many chances as possible to get it right and complete your spiritual journey.

Also, if you’ve been wronged by someone to the extent that they incur karmic debt, you will continue to reincarnate until you forgive them and that person pays the debt, allowing your spiritual journey to be completed too.

Signs You Have Karmic Debt

Buddhists believe that reincarnation doesn’t mean you must be a human in your next life – you could be an ant or even a tree. The state you’re in when you reincarnate is a sign of your karmic debt – if you have any.

Your “state” applies to the issues you’re facing in your current life. This could involve recurring financial problems, a repeatedly unhealthy love life, or addictive behaviors. Your current lifetime’s state is indicative of whether or not you owe karmic debt.

If you aren’t entirely sure, you can also consult with a psychic on a top site such as Keen Psychics or Psychic Source.

Karmic Debt Numbers

There are 4 possible karmic debt numbers, each consisting of a pair of numbers – one double-digit number that results in one single-digit number. The double-digit number is key to finding out your karmic debt, as each number describes the character trait that you need to work on in order to repay your debt.

Here’s a quick look at the 4 karmic debt numbers:

  • 13/4 – Number 13 indicates laziness. This could mean you took advantage of others in your previous life, lived off them, or were just lazy overall, taking shortcuts at every turn. If you continue on this path in your current lifetime, your karmic debt will increase and carry through to your next life. Instead, do the opposite – be motivated in your line of work, find the right work-life balance, and be of service to others.
  • 14/5 – Number 14 indicates control. In your previous life or lives, you just had to be in control of everything and everyone. It could also mean you actually lacked control, which could manifest as irresponsible and addictive behavior that let your loved ones down. Find a balance this time around – maintain your personal control while respecting that of others.
  • 16/7 – Number 16 has to do with your ego. You were just too infatuated with yourself in your previous life, which affected others and probably you too. Perhaps you were arrogant, made self-destructive decisions, or ruined your relationships because of your ego. Humble yourself in this lifetime and deflate your ego.
  • 19/1 – Number 19 represents selfishness. You only cared about your personal gain and selfish interests without thinking about others. In this lifetime, think more about others and their needs and avoid being selfish.

How to Calculate Your Karmic Debt Numbers

Each karmic debt number pair is formed by adding the 2 digits in the double-digit number to come up with the single-digit number – there must be a single-digit number, so you have to simplify until you find it.

For instance, the karmic debt number 13/4 is 1 + 3, which is 4. And the karmic debt number 19/1 is 1+9, which is 10, which is 1 + 0, which is 1.

You can calculate your karmic debt number by adding up the digits in your birth date. There are 3 ways, which might result in one or more karmic debt numbers, or none at all:

  1. Your birthday
  2. Your personality numbers (sum of your birth month and birthday)
  3. Your life path number (sum of your birth year, birth month, and birthday)

For instance, if you were born on October 24, 1984, you can start by adding up the digits in your birthday: 24 = 2+4 = 6.

The number 6 doesn’t produce any karmic debt number, so move on to your personality numbers: 10 (October), 24 (already calculated as 6) = 1+0+6 = 7. This indicates the karmic debt number 16 (recall 16/7).

Check further to know if you have any debt by calculating your life path numbers: 1984, 10 (already calculated as 1), and 24 (calculated as 6). Start with the year 1+9+8+4 = 22. Simplify the double-digit result until you get a single-digit number: 22 = 2+2 = 4. Add this to your personality and birthday numbers: 4 + 1 + 6 = 11. Simplify further to get a single-digit number: 1+1 = 2. In this case, the life path number doesn’t indicate any karmic debt, so your debt is based only on your personality numbers above, 16/7.

In the event that none of your calculations produce any karmic debt numbers, it is possible that you don’t owe anything and you have zero karmic debt. However, this is not absolute.

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How to Repay Karmic Debt

Now that you know what the karmic debt numbers are and how to calculate yours, I’ll leave you with some tips that have really helped me reduce and repay my karmic debt:

First, paying your karmic debt requires acknowledging it, and then living in a way that atones for those debts. However, your repayment should be based on the debt itself, so you’d have to know what you did to incur your karmic debt, and then do the opposite in this lifetime.

If your date of birth doesn’t result in any karmic debt numbers, you can still be proactive. Identify your weak points in life – any recurring failures or bad behavior – and then work to change it. That way, you will pile up karmic credits to reduce your debt and move forward in your spiritual journey.

Take note of the people around you. Do they contribute to your spiritual growth, or are they mostly negative? Cut off negative energy and keep positive people around you to resolve and avoid karmic relationships. This will help you maintain fulfilling relationships, both for you and others around you, which can only do well to repay your karmic debt.

And finally, seeking advice from a professional is always a wise step. You will find experienced psychics on trusted websites like Keen Psychics, who specialize in Akashic Records, past life regressions, and other readings that can help point you in the right direction to clear your karmic debt.


Taking steps to repay your karmic debt will improve your quality of life now and in future lifetimes. Remember, karma is not vengeful; karma is forgiving – giving you chance after chance to live your life the right way and enjoy spiritual growth.

Finding out what your karmic debt is the first step. To get even better advice, get a reading from a reputable psychic website with experienced advisors and lead your life accordingly.

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About the author

Michelle is an all-things-psychic enthusiast: from tarot readings to esoteric forms of psychic reading, she researched and tried any available reading online and live. Her hobbies include reading romantic novels and volunteering in a local cat rescue organization.