Karma is a universal law that is best expressed by the phrase “what goes around comes around.” It’s the circle of cause and effect, or sowing and reaping, coming to a close.

Our ideas, actions, words, and intentions will always have an impact on the experience we create for ourselves.

The energies or experiences that we owe are referred to as karmic debt. These karmic debt experiences are a form of retribution for our previous choices.

Of course, the universal law of karma applies to both good and bad deeds.

When we talk of karmic debt, it’s usually in the context of a negative event, as we try to understand and alchemize the lessons we’ve learned.

In this post, we’ll look at the concept of karmic debt and how to pay off or clear it voluntarily.

What Is Karmic Debt and How Does It Affect You?

Your karmic debt is the result of your actions or unresolved concerns. These concerns may have been carried over from a previous incarnation or may be present in your current life.

When we think about karmic debt, we contemplate how our acts throughout lifetimes, timelines, and dimensions are linked.

The greater aim of karmic debt is to learn and grow as compassionate and loving creatures with a growing sense of oneness.

It’s a universal rule that ensures we fully comprehend and learn from the consequences of our actions.

We’ll go over the symptoms that you have karmic debt in the next section, which will help you better understand what karmic debt is.


Sign #1: It’s difficult for you to be present.

One of the first symptoms that you have karmic debt is that being totally present in life is difficult. It can be difficult to be fully present in each moment.

This may appear to be a generic indicator, but it is linked to karmic debt since the debt keeps you bound to the past.

Until your obligation is paid off and the lesson is learned, you will be tied by the energy of your past experience.

Sign #2: You are physically or energetically exhausted.

Your etheric body can store the energetic imprint of karmic debt, which can impact your physical body.

Your karmic lesson could also have something to do with bodily discomfort or difficulty.

The debt can feel like a burden to your spirit or physical body in various ways. You may be unaware of the experience that is weighing you down, or you may have an unexplainable feeling.

Sign #3: You find yourself in unfavourable situations on a regular basis.

You will encounter unpleasant experiences until you have fully felt the effect and integrated the lesson from your karmic debt.

These scenarios are being played out so that you can learn from them.

You may repeat the lesson until you have felt the comparable discomfort as the detrimental action you caused previously, and you have accepted and applied the lesson you need to learn.

It’s also likely that you’ll be stuck in the circumstance until you seek forgiveness and accept it.

Sign #4: As a sign of karmic debt, you experience scenarios that elicit similar unpleasant emotions situations that stimulate painful emotions.


This sign is similar to the one above, but it is more focused on the emotional side of karmic debt.

Experiencing the emotions associated with your debt is a way of teaching you about the consequences of your mistakes.

We develop compassion and empathy as a result of painful feelings, which helps us avoid repeating mistakes.

Negative emotions are a technique of paying back debts for harm we have inflicted in this life or unresolved karma from previous lives.

Sign #5: You’re frequently forced to reflect.

When you have karmic debt, you will come across situations and individuals that force you to reflect.

You will be directed to accept responsibility for your current situation by looking within and accepting how your previous actions, ideas, and words have led to your current situation.

This will need a lot of introspection to the point where you realise that everything is happening for a reason, no matter how difficult it may be.

Introspection allows us to see things from a multidimensional and nonlinear viewpoint, which helps us see how even karmic debt from many lives ago is rising to be resolved for the ultimate good.

Sign #6: It appears like life is not on your side.
Karmic debt is a universal rule that, in the end, aids in the expansion of human consciousness.

This does not imply that it is a simple task. On the contrary, no matter how hard you work, it might often feel like life is still a perpetual battle.

When you’re still accepting your debt and lesson, this is frequently one of the first symptoms.

It’s OK to feel overwhelmed at times, as these are the emotions you need to experience in order to pay off your karmic debt.

Patience is required, as it is with any significant healing and learning process.

Sign #7: You have a hard time forgiving others.

Unforgiveness is one of the reasons that karmic debt can accumulate over time. Forgiveness is required in order to settle these debts.

You must seek forgiveness from the other entities you have injured, as well as forgiveness from yourself, in order to settle several forms of karmic debts.

It’s easier to forgive once you’ve genuinely accepted, reflected on, and transformed.

Sign #8: As a result of karmic debt, you have close connections that are extremely tough.


Almost all relationships have difficulties, but being in a karmic debt relationship is very difficult.

These partnerships are designed to be tough and difficult to avoid.

These could be relationships that you are experiencing in order to gain the lessons that will eventually lead to the expansion of your consciousness.

Sign #9: You are plagued by specific and seemingly unreasonable concerns.

This sign is very important when dealing with karmic debt from previous lifetimes.

Unresolved experiences are retained in your etheric memory (the akashic records).

When it comes time to repay your debt and shift your consciousness, you may have distinct and irrational worries that have nothing to do with your current life but are related to the theme of your karmic obligation.

As an example, suppose you killed someone in a previous life and dumped them in a river. You may reincarnate with an apparent unreasonable dread of rivers or other bodies of water.

It is also worth noting that dread may be an indication of unresolved childhood trauma or subconscious habits that are causing these fears.

Sign #10: You have the impression that something unexplainable is impeding your progress.

If you have a persistent sense that something is holding you back, especially if you are unsure what it is, this could be a symptom of karmic debt.

The sense of being stuck or held back will most likely last until you have completed the experience required to settle your debt.

Sign #11: According to your numerology chart, you have karmic debt.

Numerology is a number language that can help us interpret our experiences in a multifaceted way.

It can reveal details about our soul’s journey, evolution, and purpose. You can also utilise it to learn about the past, present, and future.

You can deduce the topic of your debt based on the karmic debt numbers that appear in your calculations.

This is a vast topic in and of itself, however in the part below, we’ll go through the basics of karmic debt computation and numbers.

Karmic Debt Numbers

How to use numerology calculations to see if you have any karmic debt:

Add up all of your birthdays until you have a single digit or karmic debt number.
To get a single digit or karmic debt number, add up your personality number (birthday+birth month).
Make a single-digit or karmic debt number out of your life path number (birthday + birth month + birth year).

There are four karmic debt numbers: 13, 14, 16, and 19 – each of which, when added together, reduces to a single digit.

If any of these figures emerge in your calculations, they could point to the following karmic debt themes:

13 (4): You must work hard and overcome obstacles in order to accomplish your responsibilities and attain your objectives.
Turbulence, escapism, addiction, and a loss of equilibrium as a result of abusing your freedom and self-control.
16 (7): id, poisonous relationships, or grief.
19 (1): a strong sense of self-reliance, a sense of isolation from others, and selfishness.

These are just a few of the karmic debt numbers’ explanations.

If you want to learn more about the nuances of each karmic debt number, including the reasons of each number and the best ways to settle the sort of karmic debt associated with each number, do more research on the subject.

You may look up these numbers for further information, and you’ll often discover that the karmic debt number aligns with your experiences in an uncanny way.

What Is The Best Way To Resolve And Clear Karmic Debt?

paying karmic debts and cleansing them
The only way to really pay off karmic debt is to absorb the lessons that the experience was supposed to teach you.

The knowledge must then be integrated into your ideas, actions, and speech.

There are a few things you can do and some ways of looking at things that will help you settle and discharge your debt with more grace and understanding:


Accepting your karmic debt is, in the end, an experiential means of gaining balance, wisdom, and enlightenment.

You must come to terms with the fact that this is an event that you must go through.

Understanding why you’re in debt and how you’re dealing with it will help you navigate the situation more gracefully and firmly.

Choosing to accept your karmic debt on purpose might help you keep your dignity in any situation. You’ll be able to go through what needs to be done with less opposition.


Forgiveness energy is frequently required to settle a karmic obligation.

It is a conscious decision to alter your feelings, ideas, and attitude toward a traumatic incident.

Forgiveness is crucial in many ways when it comes to resolving karmic debt.

It is sometimes necessary to seek forgiveness from the person you have wronged by expressing a genuine apology and making reparations if possible.

If you can’t make physical touch with the person or situation, you can go into deep meditation and interact with the being or time you’re seeking forgiveness from energetically.

Forgiveness also includes forgiving oneself for your actions. We can transform any circumstance with the energy, space, and grace that forgiveness provides.


Deep introspection is required for this process, and if you truly go into your inner world, you will gain a greater understanding of the karmic debt’s function in your life.

You’ll be able to recognise and respond to the call to growth that has come for a cause.

Spiritual Modalities and Practices

To pay and clear karmic debt, spiritual practises are used.
You can also include a variety of healing techniques into your life to assist you in eliminating your karmic debt.

Meditation, mantra, affirmations, and breathwork are examples of these activities.


They could also be used as part of a spiritual morning routine.

You gain a source of grounding and intentional energy from these techniques, which will help you assimilate the lesson from your karma much more quickly.

These techniques can also help you purify and align your energy field to a more favourable state of being.

If you require more insight about the precise cause and answers to settling your karmic debt, you can look into techniques like past life regression and shamanic journeying.

Whatever the gravity of your current situation, you can take solace in knowing that it all has a divine purpose.

Any karmic debt that has arisen is there to help you purify and learn more about yourself so that you can be your best self.

When you purposefully take positive action and live with grace, you will be aligned with your higher self’s perspective.

The easier it is to experience the vibration of being integrated and free of karmic debt, the more you live in alignment.

When you understand that what is happening is growing your ability to connect, love, and serve yourself and the planet, you will absorb your lessons with grace and reverence.

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