The year begins with a massive surge of independent earning power. In late January and throughout February, the cosmic spotlight shines directly on your wallet. First, the planet of action moves through your sign, giving you the ambition to chase down new opportunities. Then, in mid-February, a powerful solar eclipse occurs in your specific sector of earned income. This is a major new beginning for your bank account. It often signals a new job, a significant raise, or the start of a new income stream that aligns perfectly with your values. You are moving away from old, stagnant ways of making money and stepping into a period of fresh financial potential.

As you head into the summer, the focus shifts from the money you earn to the money you manage and share. In late June, the lucky planet Jupiter moves into your sector of investments, shared resources, and other people's money. This is one of the best transits you can hope for regarding wealth accumulation. It is an excellent time to apply for a business loan, receive a bonus, settle a tax matter in your favor, or see a partner's income increase, which benefits you. An eclipse in August highlights this same area, suggesting a sudden windfall or a strategic investment payout that significantly boosts your net worth.

Towards the end of the year, the universe asks you to review your long-term financial goals and the networks that support them. In October, the planet of value goes backward in your sector of friends and professional groups. You might rethink a subscription, leave a costly social group, or reconsider a financial goal you set with a team. It is a time to ensure that the money you are spending on your social life or professional memberships is actually bringing you a return. By the time December rolls around, you will have trimmed the fat and will be entering the holiday season feeling financially efficient and secure.

Deep Dive

Here is a closer look at the key phases for your money in 2026, highlighting the most important dates for new income, investments, and wealth strategy.

Phase 1: The Income Reset (January - February)

This is the most active time for your personal cash flow. The universe is practically forcing a new financial chapter to begin.

January 1 - January 23 (Mars in Capricorn): You start the year with high drive.

The Vibe: You are aggressive about your worth. If you are a freelancer, you are pitching constantly. If you are employed, you are proving your value. This is the hustle phase.

February 17 (Solar Eclipse in Aquarius): The headline event for your paycheck.

The Shift: This eclipse happens in your 2nd House of Earned Income. Eclipses bring sudden new beginnings. You might quit a low-paying job for a better one, launch a profitable side hustle, or completely change your pricing structure. The money you make now feels fresh.

Phase 2: The Wealth Expansion (June - August)

The focus shifts to Big Picture money-investments, debt, and assets.

June 30 (Jupiter enters Leo): Jupiter enters your 8th House of Shared Resources.

The Opportunity: This is the Windfall transit. For the next year, you are favored in matters involving banks, the IRS, and insurance companies. It is the best time to refinance a mortgage, apply for venture capital, or merge assets with a partner.

August 12 (Total Solar Eclipse in Leo): A jackpot moment.

The Event: A sudden development in your investment portfolio or a partner's finances. You might receive an inheritance, a large commission, or finally pay off a significant debt, freeing you from monthly interest payments.

Phase 3: The Social Spending Audit (October - November)

October 3 - November 13 (Venus Retrograde): Venus goes backward in your 11th House of Networks and 10th House of Career.

The Challenge: You might realize you are spending too much money trying to impress peers or maintaining memberships that don't pay off. A group investment might hit a snag.

The Strategy: Review your social budget. Stop paying for status. It is also a time to delay salary negotiations until mid-November, as bosses might be tight-fisted during the retrograde.

Phase 4: The Foundation (February onwards)

February 13 (Saturn enters Aries): Saturn enters your 4th House of Home.

The Investment: While income looks good, your expenses regarding home and property will likely rise or become more serious. You might be saving for a down payment or investing in major repairs. This is good debt or essential spending that builds long-term security.

Summary of Power Dates for Money

Best date for a new job/raise: February 17 (Solar Eclipse in money zone).

Best dates for loans and investments: June 30 - August 12.

Best date for aggressive earning: January 1 - January 23.

Dates to handle with care: October 3 - November 13 (Review social spending).