How to Settle Your Karmic Debt [& How to Get Rid of Bad Karma]


People often ask themselves “What have I done to deserve this?” and often they can’t seem to find a suitable answer. There is a simple explanation – karmic debt.

If you are wondering what are the karmic debt signs, continue reading this article to find out how does karmic debt work, whether there is anything in your life that points to any such debt, and how to settle it.

What Is Karma? 

Many people turn to karma to try to understand our place and our role in the universe. First, we need to define what is karma. After we have understood this concept, we can understand and appreciate some of the karmic lessons it provides. Karma is a spiritual principle of cause and effect, meaning that for each good deed a person is rewarded with good karma, and accordingly, for each bad deed, a person receives bad karma.

Sometimes there are situations in life when it seems that despite all the good deeds, a person is constantly falling into the same bad patterns and the same bad behavior – there’s simply no karma balance. You might wonder why this is happening and what are those repeating patterns that can influence a person’s life so heavily. Some of these patterns are:

  • Constant financial struggles
  • Addiction
  • Avoiding responsibility
  • Sabotaging personal relationships

If you can recognize some of these patterns in your life, it probably means that you have a karmic lesson you need to learn. In order to understand how this debt works, first, we need to be aware of the Buddhist belief in reincarnation, or the cycle of birth and rebirth. The Buddhists believe that each person comes back to life in another form (not necessarily human) and tries to make up for past mistakes or waits to receive payment for past good deeds. The debt has to be paid; whether in this life or a future one, you have to repay your debt for past mistakes, perpetuating the principle of cause and effect, which is one of the laws of the universe according to Buddhism.

Did you know: A karmic contract is a contract our Higher Self commits to before entering the current life it is living. This contract is also known as a ‘soul agreement’ and is often understood as fate.

How to Find Out if You Have a Karmic Debt?

This is relatively easy. All you need is your birth date in order to calculate your life path number, which will then lead you to your karmic debt number.

What Are Karmic Debt Numbers?

These numbers are a certain set of two-digit numbers that indicate that you carry a certain amount of debt from a previous life. If a person doesn’t have any negative karma from a previous life, they don’t have to worry about their karmic credit.

There are only four karmic lesson numbers: 13, 14, 16, 19. Each of these numbers has unique characteristics and poses particular difficulties for karmic healing.

How to Calculate the Karmic Debt Number?

When you first become familiar with the existence of karmic lesson numbers, it’s normal to wonder: what is my karmic debt number? Fortunately, there is a simple way to find out. There are three major ways to calculate the value of the number:

  • based on the date of your birth
  • based on your life path number
  • based on  your personality number

The simplest way to do it is by using your date of birth. If you were born on the 13th, 14th, 16th, or 19th of the month your number automatically corresponds to one of the four numbers, meaning that you have a certain amount of debt and that you need to continue removing bad karma from your life.

What if Your Birth Date Number Doesn’t Correspond to the Karmic Lesson Numbers?

If your birthday doesn’t correspond to any of the four numbers, there are two other ways to determine whether or not you have any debt and whether you need to undergo a karmic cleansing.

The first way to do it is by calculating your personality number. Calculating this number is fairly simple: If you’re born on the 6th of May, for example, your personality number would be 6 + 5 = 11. 11 is a combination of 1 + 1= 2, meaning that your personality number is 2.

Based on your personality number, it is easy to determine the numeric value associated with your karmic energy by using a simple formula that transforms numbers from 1 to 9 to the four karmic lesson numbers.

For example, if your personality number is 5 that means that your karmic lesson number is 14, following the formula 14 (1 + 4 = 5).

If your personality number isn’t 1, 4, 5, or 7, that signifies that you have no karmic debt number.

The last way you can determine the debt number is by calculating your life path number. If you’re wondering, Is karmic debt and life path the same number? No. The life path number is connected to the individual’s real self and represents their personality traits.

In order to calculate your life path number, you need to add together all the digits from your birth date. If you are born on the 8th of August 1991, your life path number has to be calculated in the following way: 0+8+0+8+1+9+9+1=36, which needs to be broken down again into 3+6=9, making 9 your life path number.

If you get this number, or any other number besides 13, 14, 16, 19, you have nothing to worry about.

The Four Types of Debt

Take a look at what the following karmic debt numbers mean:

Karmic Debt 13

If you are dealing with this specific debt, you have to pay back a debt for laziness and selfishness. In order to redeem yourself for it, you need to put other people’s needs first and encourage their positive developments. You must learn to make room for everyone else to shine!

Karmic Debt 14

In cases dealing with this debt, there have usually been problems with control in a previous life. You need to make sure not to challenge any past life karma by aspiring to rise to power again, which can prove detrimental to multiple lives of yours – your current one and possibly many of your future ones!

Karmic Debt 16

The number 16 debt means that you have been vain and egotistical in a previous life. In order to overcome karmic debt 16, you need to be mindful of your actions and your appearance and be more considerate towards other people’s opinions.

Karmic Debt 19

Debt 19 signifies that you made some poor choices, were manipulative, and used people for your personal gain. At this point, you begin to wonder how to settle karmic debt of this magnitude. To settle this particular debt, you must become a supportive person. Learn how to ask for help and be prepared to help people without expecting anything in return!

Did you know: Karmic debt relationships are passionate and all-consuming. They are not meant to last and are difficult to maintain. Karmic relationships serve as a learning experience for the people who are involved.

Key Takeaways

Time and karma are cyclical and interdependent.
Our birthday is the most important date when determining key karma numbers.
Personality numbers and life path numbers are crucial in karma.
Karmic lessons are predetermined by a previous life.
13,14, 16, 19 are the numbers that signify that you carry debt from a previous life.

How to Get Rid of Bad Karma?

It is possible that you have wondered how to cleanse your karma. It comes as no surprise since all of us want to be free from the bad karma that is present in our lives. In order to do this, we must first acknowledge that there is bad karma present in our lives, identify it, and only then begin to battle it. If you need help identifying your karma, you can ask for help and consult the best psychic readings online. Once we identify it we can resort to certain strategies and begin our journey towards clean karma.

Be Grateful

We must be grateful both for good and bad experiences. Once we realize that bad experiences happen for a reason and that we can learn a number of lessons from them, we can accept the fact that we must be thankful for the bad as well as for the good.

Act With Love

Behaving negatively can only bring more bad karma. We must utilize our positive energy and act with love towards everyone we meet, regardless of their attitude towards us. In this way, we steer our karmic life changes in the right direction, so they can come back to us in a positive form through the karmic cycle. If you’re lucky, this might even lead you to your twin flame reunion!

Check Your Motives

Doing a good deed for a selfish reason annuls the deed itself. Before you do anything, you must make sure that your motivation is right, and that you’re not simply doing something for your own gain.

Watch Your Attitude

Not only must you be aware of your actions, you must also consider your thoughts because even your inner attitude can create negative karmic energy that can greatly influence your life.


The most important thing in creating good karma for yourself is forgiveness. If you learn to forgive, this can guarantee a good outcome. Even though sometimes it might be the hardest thing to do, we must forgive and let karma do its work for us.

Did you know: Karma cleansing techniques can include the simplest of tasks, such as cleaning your house, walking your pets, watering your garden, or simply praying. If you want a more radical change, you can distance yourself from people you believe are a source of negative energy in your life.


You may ask yourself: Is karma real? According to numerological analyses, some people are born with a certain amount of debt they have to repay in order to redeem past mistakes while others are born without any debt and are free to attract their own karma during their lifetime. Karma works on a simple principle – you are what you think. Be good, and good karma will follow.


Does everyone have a karmic debt number?

No, not every person carries an ancestral karmic debt. If a person learns the karmic lesson during their present life, they do not transfer it to their next life. If your number is not 13, 14, 16, or 19, then you don’t have a karmic lesson you need to learn.

How to get rid of karmic debt?

If you have an accumulated amount of debt from a previous life, it is impossible to fully get rid of it, unless you have learned all the necessary lessons that you need to erase the debt. This rarely happens during one lifetime.

How long does karma last?

Karma lasts until you have made up for your mistakes, repaid the karmic debt, and managed to reach a balance in your life. However, some believe that the longest karma can last is up to 12 years because of its cyclical nature. Every 12 years one of the new life cycles begins.

What is a karmic lesson?

A karmic lesson is a certain situation that provides you with an opportunity to learn and grow. If you don’t successfully learn from such a situation, the lesson will continue to reappear until you have learned what you were supposed to from this specified lesson.


I've loved writing since I can remember, and back in high school, I started loving psychology as well. So I majored in it while dabbling in spirituality and yoga on the side.

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