Panchangam, Vedic Astrology, Kundli
Financial Jyotish

Panchang Ganita, Panchanga Siddhanta, Panchang Author: Pundit Mahesh Shastriji, Seattle, WA USA
Inspiration: Late Pundit Maganlal Devshanker Shastriji


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Financial Jyotish
Jyotisha Tutorial Introduction | Financial Jyotish

Welcome to the new Jyotish Tutorial series by Patti Foy

Patti Foy is a certified Vedic Astrologer
and an accredited Teacher and Tutor for
both the American College of Vedic Astrology
(ACVA) and for the Council of Vedic Astrology
(CVA) where she's also been given the title
of Jyotish Visharada, CVA. She's been working
with satisfied clients world-wide since 1998.
You can contact her, read more of her articles,
and access her services (including but not
limited to Jyotish) at her website/blog
Lightspirited Being.

2.0 Planets and Yogas (combinations)

We've covered natural money planets that represent money in everyone's chart.

We've also covered which houses are money houses.

In this section we're going to cover the two most reliable indicators of financial prosperity in a chart.

  • Which planets represent money dependent on a chart's rising sign.
  • How planets and houses combine to indicate wealth or problems with wealth. Some of these combinations are known as "yogas".

We'll also look at determining whether an influence is lifelong or temporary.

2.1 Functional Money Planets & Dhana Yogas

One of the unique features of Jyotish that strongly contributes to its power and accuracy is the important concept of yogas.

Yoga means "to join" or "union" and in Jyotish it's a specific planetary disposition that's capable of yielding specific results.

It doesn't always just mean two planets combined in the normal sense of being together (conjunct), but the combinations can include certain houses or signs as well.

Yogas are especially important when it comes to examining a chart for financial indications.

Since they rely on the money houses and on planets that act as money planets in any given chart, let's first see how to determine what those planets are that are involved in financial yogas.

2.1.1 Functional Money Planets

Figuring out which planets will act as money planets in any given chart is easy.

They're simply the lords of the money houses.

We've already learned that the money houses are houses 2, 5, 9, and 11.

Since sign/house pairs are determined by the sign of the Ascendant, the money planets are different for each Ascendant. They represent money only because of how they function due to their lordship of particular houses rather than because of their intrinsic nature.

For that reason, these money planets are called "functional" money planets.

So for example, the functional money planets for a Libra Ascendant would be Mars (as lord of the 2nd), Saturn (as lord of the 5th), Mercury (as lord of the 9th), and the Sun (as lord of the 11th).

How to Use Functional Money Planets

In section 2.2 we'll look at more specific situations and examples of applying and interpreting these planets as indicators of wealth.

But as I said in my introduction, you really just have to get creative with the indications. Mix it up. Play with the house and planet and sign indications. A money planet (except Sun and Moon) rules two houses so include its other house in the mix too.

So as one example, if a Libra Ascendant with Mars as a money planet has Mars in the 10th house (Cancer), then their career might be most lucrative if they include some Mars energy in it. With Cancer often showing healing or nurturing energies, they may use the physical side of Mars and earn well as a massage therapist. This matches the 2nd house of earning being Scorpio too, since Scorpio can show therapy. A debilitated Mars can often be used to "fix" situations, so massage therapy is a great match there too. Having clients fits with a Libra Ascendant (since Libra is the 7th sign, showing one-on-one relationships much like the 7th house), and Mars' other rulership (besides the 2nd) is the 7th house which can also show clients.

Of course you have to look at the entire context. There are so many other factors and this depends on the rest of the chart as well. But this should give you an idea of how to work with functional money planets.

Another great way to learn how to apply this is to look at charts of people you know. Check out where their money planets are and see how it applies to where their money comes from. I bet you'll find some interesting connections.

And then leave a comment and let us know what you find. I want to know! (And remember, you can always ask questions, too.) Just go to this comment and question page on my site.

In the next article (section 2.1.2) we're going to learn about a special use of functional money planets: the all-powerful dhana yogas. I'll see you then!


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yaj jagrato duram udaiti daivam tad u suptasya tatHaivaiti|
duramgamam jyotisam jyotir ekam tan me manaH shivasankalpam astu||
||shri shukla yajurveda vajasaneyi samhita (madhyandina sakha) 34.1||

The divine essence that goes far away, from the waking, and likewise from the sleeping, and that one far-traveling Light of lights, on that-the auspicious will of the divine-may my mind dwell.

.. sarve janA sukhino santu ..
kriShNa! kriShNa!! kriShNa!!!

I bow down to the supreme personality of godhead Lord kriShNa who makes incomplete complete.
Pundit Mahesh Shastriji
Seattle, WA, USA
shastrijii at mypanchang dot com


Vedic Druka Siddha High Precision Nirayana Panchangam data calculated by Pundit Mahesh Shastriji.
Email: shastrijii at mypanchang dot com (
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