finance-analysis - SKILL.md Agent Skill

name: finance-analysis description: "Use when analyzing wealth, money, financial prospects, income, investments, or poverty/debt concerns."

Finance Analysis Workflow

When performing a finance analysis, execute the following steps:

Fetch Chart Data: Call cast_vedic_chart and cast_transit_chart (using birth parameters).
Amatyakaraka: From jaimini_karakas, identify the Amatyakaraka. Its strength indicates the native's earning power and financial direction.
Wealth Triangle:
- 2nd House: Accumulated wealth, savings, family inheritance. Check lord's dignity and shadbala.percentage.
- 11th House: Liquid gains, profits, recurring income. Check lord's strength.
- 9th House: Fortune, luck, and past-life prosperity. A strong 9th lord amplifies all wealth indicators.
Jupiter (Karaka): Natural significator of wealth and abundance. Check its dignity, shadbala.percentage, house placement, and aspects.
Losses & Fluctuations: Check the 12th house (expenses, hidden losses) and 8th house (sudden shocks, debts, other people's money).
Yogas: Look specifically for Dhana Yogas in the yogas array — the engine now detects specific Dhana Yoga combinations (lords of 1, 2, 5, 9, 11 in mutual connection). Also check for Lakshmi Yoga (Venus strong + 9th lord in Kendra/Trikona) and Saraswati Yoga. Check for Daridra Yogas (poverty-causing combinations).
Ashtakavarga — Wealth Houses: Check ashtakavarga.sarvashtakavarga points for the 2nd, 9th, and 11th signs. High SAV points (≥ 30) indicate financial abundance; < 25 = struggle. Use ashtakavarga.prashtarashtakavarga for granular analysis — see which specific planets contribute bindus to wealth-house signs.
Ishta/Kashta Phala: Check shadbala.ishta_kashta_phala for wealth-related planets (Jupiter, 2nd/11th lords). High Ishta Phala = auspicious results; high Kashta Phala = obstacles.
Timing: Analyze active Dashas (all 5 levels: Maha → Antar → Pratyantar → Sukshma → Prana) invoking the 2nd/11th lords, Jupiter, or Amatyakaraka. Check Jupiter transits through wealth houses using sav_points to judge quality.
Arudha Padas: From arudha_padas, check A1 (Arudha Lagna) — the native's perceived wealth and social status. Also check A11 (Labha Pada) for gains/income reputation. Planets aspecting A1 shape the financial image others see.
Bhava Chalit: Compare the 2nd and 11th lord whole-sign houses with bhava_chalit placements — if wealth lords shift bhavas in Chalit, the source or nature of income may differ from Rashi expectations.
Avasthas: Check avasthas for Jupiter, 2nd lord, and 11th lord — Yuva = full wealth-giving capacity; Mrita = severely diminished financial delivery.
Synthesize: Give a direct reading on wealth accumulation potential, spending patterns, and key financial growth or restriction periods.