About Karmic Debt Calculator

A karmic debt calculator is a tool to help you understand the obstacles you are facing in your life
it is based on the belief that we have all lived before, and that our current life is a result of our past lives
it can be used as a tool for personal growth
  • A karmic debt calculator is a tool to help you understand the obstacles you are facing in your life
  • It is based on the belief that we have all lived before, and that our current life is a result of our past lives

To determine your life karmic score, answer the questions about yourself in the Karmic Debt Calculator. The questions mostly would be around the points below. You will realize that there are aspects of self that we do not yet grasp.

Consider your early recollections:

  • Have you had parents who are true gems? 
  • Are you blessed with the gift of education? 
  • Were your crazy siblings a good match in your life?

Or you experience one of these in your current life situations:

  • You have struggled with emotions or are working on them in the present. 
  • You feel trapped, or you are trying to overcome an addiction. 
  • You detect a trend of bad luck in your life.
  • You suffer from a genetic or chronic illness.

What Exactly Is Karmic Debt and How Can You Know If You Have It?

If you have a pattern of bad relationships, financial difficulties, or shaky emotional states, you may have been accumulating karmic debt from previous lifetimes or present life. These harbor negative energy and make it difficult to break your karmic cycle in subsequent lifetimes too.

When you understand the lessons of your karmic debt, you become more aware of who you are. As you deepen your self-awareness, you will begin to see opportunities for resolving karmic debt by living positively and doing good deeds, and taking your life in the right direction to live a fulfilling life.

The more aware you become, the easier it is to take control of your life and become the best version of yourself!

10 Signs you have Karmic Debt

Signs you have Karmic Debt

  1. You experience repeated destructive or challenging patterns in your life.
  2. You prioritize others over yourself, to your cost.
  3. You feel exhausted with your relationships in life.
  4. Good things happen, and then awful things happen.
  5. You always feel tensed and apprehensive.
  6. You find yourself constantly dealing with issues, such as repetitive relationship patterns, addiction, or financial difficulties.
  7. You are overly concerned with other people and frequently put yourself last to make everyone else happy. 
  8. However, no amount of good you do for others is ever enough. Their expectations keep going up as you raise the bar of helping them.
  9. You’re a doormat and a people-pleaser who can’t seem to say no. 
  10. You feel paralyzed by fear and despair due to tyranny; you cannot move forward. Some experiences keep you rooted in the past, stagnating rather than moving forward, and thus keeping you away from clearing karmic debt.
Signs of karmic debt

We carry emotional baggage from our past life or present life in some or the other way. Such as resentments, negative emotions or anger towards current or past relationships, unforgiving incidents, or broken trust that have resulted in bad patterns or destructive patterns in this life.

Karmic debt in a nutshell

The emotional baggage weakens us with emotions of fear, self-doubt, sadness, or anger. They influence our present lives and our decisions. Thus we keep repaying the karmic debt.

We present you with two predominant perspectives that elude on the subject – Shrimad Bhagavad Gita and Buddhism.

Karma and Shrimad Bhagavad Gita

Hinduism believes that every Karma must bear its fruit. Krishna instructs Arjuna on the karmas of three types.

  • Sātvika Bhaav (acts done in the mode of goodness. In the absence of attachments, for example – hate, anger, or jealousy). Such actions bear the fruit of inner peace. If all actions in life are done with the goodness in the heart, it bears the fruit of liberation. 
  • Rājasī Bhaav (performed in the mode of passion such as anger, hate, and jealousy) bears the fruit of attachment resulting in karmic debts.
  • Tāmasī Bhaav (the one done in the mode of ignorance) bears the fruit of downfall – of body, mind, and soul.
Karma and shrimad bhagavad gita

The Bhagavad Gita is one source for the principles of doing one’s duty without regard for the benefits of one’s actions.

According to the Bhagavad Gita, every action we perform has an impact. As a result, we suffer or enjoy the consequences of our past actions. 

Karma in Buddhism

According to Buddhist belief, nothing occurs by accident, fate, or luck; instead, everything that a living being may experience is the inevitable fruition of previous acts. 
Just as a seed cannot grow into a different sort of plant, our actions can only spawn actions of the same type. An unvirtuous deed can only result in misery, whereas a reasonable action can only result in enjoyment. 

The more genuine your act, the better would the reaction, irrespective of the results at the moment. Ultimately it is up to you – you can express your complaints with your past or present. Or you may also take the world in stride and see where it takes you.

Buddha emphasizes on “right view” in his philosophy of Karma. A “right view” is non-violent ( in thoughts, speech, and actions). It implies taking responsibility for your thoughts, speech, and action.

The understanding is that whatever I experience is the result of my thoughts, actions, speech, and my mental conditioning.

Karma in buddhism

Sometimes, our actions have consequences we did not intend. Sometimes they were actions done with good intentions. Nevertheless, we may have inflicted pain and suffering on others in the process. Our karmic debt may also include unresolved issues to learn a karmic lesson from this or previous life.

It is not the end of the world if you have Karmic debt. There are methods to return your obligations, but the first step is to determine if you are karmically obligated or not. Here are the most prevalent indications that you may be in karmic debt.

Karmic relationships
They are unresolved negative energy, a kind of toxic overload that leaves you weary, whether in a relationship or friendship connection. These karmic relationships are harmful and can cause long-term harm as they create negative karmic energy.

If you have many of these, it’s an indication that you have to repay karmic debt.

FAQs

Learn how to settle your Karmic Debt (& How to get rid of bad karma)

What happens when you have no karmic debt?
How to identify my karmic debt?
How do I pay off my karmic debt of present and past life?
How to know whether I am creating Karma or repaying the karmic debt?
Are health problems karmic debt?
How do we distinguish between karmic disease and natural disease?
How to clear the karmic debt in a karmic relationship?
Can a karmic relationship change?
What is the karmic explanation for bad relationships?
Why clearing Karmic Debt is important?
Can meditation wipe out the karmic debt?
Does karma state that everyone is in debt to everyone?
What is the end of a karmic cycle?

How to use the karmic debt to improve your life

All of us have karmic debts that need to be settled. The key is to find out what these are, and learn the karmic lesson so we can settle them in the present time. Answering the questions below and contemplating on them would give you life-changing insights to decide the course of your action.

  • What are your present fears, challenges, or negative circumstances? Do you see a common pattern?
  • How have you faced adversity using your unique strengths? List them.
  • Do you feel trapped by guilt, fear, or anger? If so, what is the root cause of it?
  • Have others helped you and vice versa? Make a list.
  • Is there anything that you need to get off your chest and move on with your life already?

We may not see the reason for suffering right away, but there is always an opportunity to grow and overcome our limitations.

Useful Resources

  1. Past Life Analysis – Have you ever wondered what your life was like in a past life? If so, you’re not alone. Many people are curious about their previous lives, and there are several ways to find out more information. One popular method is to use a past life karma calculator. Past life calculators can be a fun way to learn more about yourself and your spiritual journey. However, it’s important to remember that they are just tools for divination, and they should not be taken too seriously. If you’re looking for guidance from a higher power, it’s best to consult with a psychic or medium who can offer you insights from the Other Side. With this Past life Karma Calculator, simply enter your birth date and time and the calculator will reveal your past life.

2. Karmic Relationship Analysis – Do you believe in karmic relationships? That people we’re attracted to are somehow connected to us on a soul level? If so, then do try the Karmic Relationship Calculator. Simply enter your birth date and the birth date of your significant other, and the calculator will tell you whether you are karmically linked and how strong a connection you have on a spiritual level.