The year begins with a major reality check regarding your shared finances, debts, and long-term security. In mid-February, the serious planet Saturn moves into your sector of loans, taxes, and other people's money. This marks the start of a two-year cycle where the universe asks you to get organized. You might feel a strong urge to pay down credit card balances aggressively, hire a better accountant, or stop relying on outside help so you can be totally self-sufficient. While this energy feels restrictive at first, it is incredibly productive. By late March, the planet of money joins Saturn in this zone, often bringing a helpful payout, a grant approval, or a tax refund that helps you balance the books.

As summer arrives, your focus shifts to your personal income and earning power. In August, the planet of love and money moves into your specific sector of salary and possessions. This creates a beautiful window where money flows to you easily-whether through a raise, a new side gig, or generous gifts from others. However, the background energy of the summer suggests that your best financial moves might happen in private. With the lucky planet Jupiter in your hidden sector, you might receive anonymous help, or you might be working on a lucrative project behind the scenes that isn't ready to launch just yet. Trust that the work you do in the shadows is building value.

Towards the end of the year, you will face the most critical financial test of 2026. In late October, the planet of money goes backward and slides directly into your income sector. This is a cosmic stop sign for your cash flow. Checks might be delayed, clients might question your rates, or you might realize you have been spending too much on things you don't need. This period is designed to help you recover lost money or fix budgeting errors. By mid-November, the retrograde ends, and with the high-energy planet Mars entering your sign around the same time, you will end the year with a massive drive to earn, ready to make up for lost time and close 2026 in the black.

Deep Dive

Here is a closer look at the key phases for your money in 2026, highlighting the most important dates for debt reduction, salary bumps, and budget reviews.

Phase 1: The Financial Audit (February - April)

The year starts with serious activity in Aries, your 8th House of Shared Resources and Debt.

February 13 (Saturn enters Aries): The Tax Man arrives.

The Shift: You are done with financial chaos. Saturn demands you take loans, mortgages, and taxes seriously. You might feel poor because you are putting all your extra cash toward debt, but this is the smartest move you can make.

The Strategy: Consolidate debt. Lock in fixed rates if possible. Do not take on new risky loans.

April 9 - May 18 (Mars in Aries): Mars joins Saturn in the debt zone.

The Vibe: You are attacking your debt. You might live on a tight budget for six weeks to wipe out a balance. It's intense, but effective.

Phase 2: The Earning Season (August)

The energy lightens up significantly in the late summer.

August 6 - September 10 (Venus in Libra): Venus moves through your 2nd House of Earned Income.

The Opportunity: This is your easiest month for making money. If you need to ask for a raise or set prices for a service, do it now. You are charming, and people value your work.

The Bonus: It is also a great time to sell used items or declutter for cash, as Libra rules the exchange of value.

Phase 3: The Income Retrograde (October - November)

This is the most important section to mark on your calendar.

October 25 (Venus Rx enters Libra): The retrograde backs into your money house.

The Challenge: After the easy flow of August, the tap might run dry temporarily. Payments are late. A purchase you made might turn out to be defective.

The Strategy: Do not make any major luxury purchases (like a car or designer goods) during this time-you will likely regret the cost later. Instead, chase down unpaid invoices and review your subscriptions.

November 13 (Venus Direct): The delays resolve. The check finally clears.

Phase 4: The Personal Power (November - December)

November 25 (Mars enters Virgo): Mars enters your sign (1st House).

The Payoff: You end the year with incredible drive. You aren't waiting for money to come to you; you are going out and getting it. Your ambition is at an all-time high, setting you up for a profitable start to 2027.

Summary of Power Dates for Money

Best dates for asking for a raise: August 6 - September 10.

Best dates for paying off debt: April 9 - May 18.

Best date for aggressive hustling: November 25 onwards.

Dates to handle with care: October 25 - November 13 (Income delays and spending freezes).