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Financial Kundali Matching: The New-Age Compatibility Test That Can Make or Break Your Marriage

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Let me start with a little confession: I never thought money could be such a mood killer in a relationship.

But the more I talked to friends, couples, and even newlyweds, the more I realised something—love might bring two people together, but money (or the lack of conversations about it) can quietly pull them apart.

We all prepare for weddings, honeymoons, maybe even baby names… but how many of us prepare for money conversations with our partners?

So I decided to take inspiration from an age-old tradition—Kundali Matching—and give it a refresh for the modern world. Introducing: Financial Kundali Matching. It’s insightful, relatable, and might just be the secret to building not just a happy marriage, but a financially healthy one too.

🌟 What Is Kundali Matching, Really?

If you grew up in an Indian household, chances are you have heard the term “Kundali milana zaroori hai” at least once. Kundali Matching, also called Guna Milan, is a traditional practice where the birth charts (Kundalis) of the bride and groom are compared before marriage. The idea is simple: see how compatible two people are based on the position of stars and planets when they were born.

A Kundali is like a snapshot of the sky at the moment you were born. Based on the positions of the planets (called Grahas) across the 12 houses (Bhavas) of your birth chart, astrologers look for signals of compatibility between two people.

This is done using a system called Ashta Koota Matching, which evaluates eight different areas of compatibility—like behaviour, family values, mindset, and health. These eight aspects are called Kootas, and together they offer a score out of 36 Gunas (points).

Whether or not you believe in astrology, there is something beautiful in the intention behind this process: checking if two people are truly aligned before making a lifelong commitment.

💡 What Inspired Financial Kundali Matching?

Now imagine using that same structure—not for stars, but for something far more practical: financial compatibility.

Think about it. You may be madly in love, but what if:

  • You are a natural saver and your partner is a spontaneous spender?

  • You believe in joint accounts and your partner insists on financial privacy?

  • One of you wants to invest aggressively, while the other avoids all risks?

These differences do not show up on your wedding day. They slowly appear after months of shared bills, unexpected expenses, and future planning (or lack of it). That is why I created Financial Kundali Matching—a 36-point, couple-friendly worksheet that helps you check how well your money mindsets align.

Just like the traditional model, this one is also divided into eight Kootas, each reflecting a different aspect of financial life in a relationship.



📜 Understanding the 8 Financial Kootas

To keep the essence of the original system alive, I mapped each traditional Koota into a modern financial context. 

🌸💼 Traditional vs. Financial Kundali Matching💼🌸

A Compatibility Guide for a Successful Marriage

No.

🪔 Traditional Koota (Vedic)

🧭 Compatibility Area

🎯 Max Score

💼 Financial Koota (Modern)

🧭 Compatibility Area

🎯 Max Score

1

👑 Varna

Role & temperament matching

1

💼 Aarthik Varna – Roles

Career roles, contribution & responsibilities

4

2

🐎 Vashya

Influence and adaptability

2

🛍️ Vritti Guna – Lifestyle

Spending habits and lifestyle alignment

4

3

🌟 Tara

Prosperity & destiny alignment

3

💳 Runanubandha – Debt

Comfort with debt, openness about liabilities

4

4

🌸 Yoni

Physical & emotional bonding

4

👨‍👩‍👧‍👦 Kutumb Koota – Family

Family responsibilities & financial expectations

4

5

🪐 Graha Maitri

Emotional & mental wavelength

5

🐖 Sanchay Koota – Savings

Saving mindset and financial discipline

5

6

🎭 Gana

Nature and personality type

6

📈 Nivesh Koota – Investment

Investment risk profile & wealth mindset

5

7

🌈 Rashi

Future well-being & harmony

7

🎯 Lakshya Koota – Goals

Alignment of life plans and aspirations

5

8

🧬 Nadi

Health and energy balance

8

🔒 Satya Koota – Transparency

Financial trust, honesty & openness

5

Each Koota is assigned a certain number of points, adding up to a total of 36 Gunas. The more Gunas matched between the couple, the more astrologers consider them "destined" for harmony. Each Koota has a few carefully designed statements. You and your partner answer them individually by choosing between two simple options: A or B. Once both of you finish, compare your answers. Every time you both choose the same option (whether it is A or B), you score 1 point.

There are 36 questions in total. And yes, just like the original horoscope-based system, the maximum score is 36 points.

🧮 So, What Does Your Score Mean?

Your final score gives you an idea of how aligned your financial personalities are—not in a “pass or fail” way, but in a “let’s talk about this” way.

Here is a simple way to look at it:

  • 30 to 36 points: You both are rock-solid when it comes to money matters. Great communication, shared vision, and healthy money habits.

  • 24 to 29 points: Mostly aligned. A few habits or ideas may need discussion, but you are already on a good path.

  • 18 to 23 points: Moderate compatibility. There are areas of friction that need honest conversations and some adjustment.

  • Below 18 points: Not a dealbreaker, but a red flag. Better to explore these gaps before they become big problems.

Again, this is not a judgment. Even a low score can turn into a strong relationship if both people are willing to work on it together.

✍️ Try the Financial Kundali Matching Worksheet (Together!)

I have created a worksheet that is:

  • Simple to use

  • Fun to fill out

  • Perfect for couples at any stage—engaged, newlyweds, or even 10 years in

You will find 36 thoughtfully written scenarios. Some might make you smile, some might make you think. But all of them will spark important conversations.

Download the worksheet or use it as a Google Doc. I suggest you and your partner sit down separately, fill it out honestly, and then review it together over a cup of chai (or coffee!).

Financial Kundali Matching Worksheet

Q#

 

Statement

A

B

Your Choice A / B

1

Aarthik Varna -– Roles & Contribution (4 Questions)

Who should manage monthly expenses?

The person who is more financially skilled

Both partners, regardless of skill level

 

2

In case of job relocation, who should compromise career goals?

The one earning less

It should be a joint decision

 

3

Whose income should lead household budgeting?

The higher earner

Both incomes treated equally

 

4

If one partner earns more, they should:

Take the lead in decisions

Still make equal decisions with their partner

 

5

Vritti Guna – Spending Habits & Lifestyle (4 Questions)

You would be more relaxed if:

Your partner is cautious about spending

Your partner believes in enjoying life freely

 

6

For lifestyle expenses, you prefer:

Live in the moment

Think long-term

 

7

For festivals or celebrations, you prefer:

Splurge without worry

Celebrate within a set budget

 

8

Partner buys expensive gadget without telling. You feel:

Okay – their choice

Uncomfortable – should have informed

 

9

 Runanubandha – Debt, Credit & Transparency (4 Questions)

What concerns you more?

Large but known debt

Small but hidden debt

 

10

Partner uses credit card freely. You feel:

That is their style

It needs discussion

 

11

Financial history before marriage should be:

Private

Fully shared

 

12

Debt is acceptable if:

It helps us get things faster

It fits long-term plans

 

13

Kutumb Koota – Family Financial Responsibilities (4 Questions)

In-laws request financial help. You prefer:

Decide based on feelings

Decide after discussion

 

14

Partner supports siblings monthly. You feel:

It is their personal decision

It must be openly discussed

 

15

Who should decide how much to spend on relatives?

Each partner handles their side

Both agree together

 

16

Religious donations by partner are:

Private, their choice

Should be mutually agreed

 

17

Sanchay Koota – Saving Philosophy (5 Questions)

What gives more peace of mind?

High income

Steady savings

 

18

I feel proudest when:

I make big purchases

I hit a savings goal

 

19

You prefer a savings system that is:

Flexible

Automated and fixed

 

20

Partner saves differently. You feel:

Let them be

Let us align

 

21

Which gives you more peace?

Being able to spend when I feel like

Watching my savings grow consistently

 

22

Nivesh Koota – Investing & Wealth Building (5 Questions)

Investing decisions should be:

Handled by the partner with more knowledge

Jointly discussed and agreed

 

23

What feels safer?

Fixed deposits and gold

Mutual funds and equities

 

24

You invest for:

Lifestyle upgrades

Life stability

 

25

Investment control should be:

With one responsible partner

Shared with visibility for both

 

26

Investing money you receive (bonus, gift):

Is your personal call

Should be planned together

 

27

Lakshya Koota – Shared Life Goals (5 Questions)

Which would you prioritize?

Travel the world

Own a home

 

28

Life after 10 years should be:

Free-flowing

Mapped out financially

 

29

You would love to:

Upgrade lifestyle every few years

Stay simple and save more

 

30

Life goals should be:

Flexible and spontaneous

Structured and discussed

 

31

You are more excited by:

Big celebrations

Long-term goals being achieved

 

32

Satya Koota – Financial Transparency & Trust (5 Questions)

Your partner checking your spending:

Feels invasive

Feels secure

 

33

You believe in:

Financial independence

Financial intimacy

 

34

You prefer to budget:

Alone

Together

 

35

You would be upset if partner:

Tracked your daily spending

Never shared where money goes

 

36

Partner hides spending habit. You:

Respect privacy

Expect honesty

 

Financial Compatibility Score (Out of 36 )

 

👉 Link to worksheet download – https://drive.google.com/file/d/1M1OMjVvkAw7OmYS3bJuuOhLx4KpmqNRY/view?usp=sharing

❤️ Why This Conversation Is More Important Than Ever

Most couples do not fall apart because of lack of love. They drift because they never talked about the difficult stuff.

Money may seem like a boring topic, but it is actually a reflection of your values, goals, fears, and priorities. It touches everything—how you travel, where you live, what you give to others, and what you save for yourself.

By doing Financial Kundali Matching, you are not just comparing bank balances—you are understanding each other’s money story, and building a stronger, more transparent partnership.

And just like the stars, this too can guide you toward a more meaningful and harmonious life together.

💬 Tell Me What You Think

Would you try Financial Kundali Matching with your partner?

Have you ever had a money misunderstanding that you could have avoided with better communication?

Drop a comment or message me. I would love to know your story, and maybe even include it in a future blog!

Until then, keep your hearts open and your spreadsheets honest. 😊

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