In numerology, the karmic debt numbers are exactly four - 13, 14, 16 and 19 - and a chart carries one when the un-reduced total behind a core number passes through one of them. This calculator takes your date of birth, and optionally your name, then scans four chains: your birth day, your Life Path, your Bhagyank (Destiny) number and, when you enter a name, your Expression number. Each debt it finds is reported under the chain it came from, with the lesson that number is traditionally said to ask for.
A karmic debt appears when the compound total behind one of your core numbers is 13, 14, 16 or 19 before it reduces to a single digit. Each debt still reduces to a root, but keeps its own flavour that points to an area of life needing conscious effort:
The tool looks in four places and names each one in the result, so you can always see which chain produced a debt rather than being handed a number with no origin.
If none of your core totals touches 13, 14, 16 or 19, the calculator simply reports no karmic debt. That is the ordinary outcome: most charts carry none or just one, and two on the same date is uncommon.
A karmic debt is not read off the finished single-digit number - it is read off the chain that produced it. The tool takes the un-reduced total of each core number and digit-sums it repeatedly. If 13, 14, 16 or 19 appears anywhere on the way down before the total falls below 10, that is the debt, and the chain it appeared on is named in the result. Nothing else is scanned, because nothing licenses scanning an additional intermediate.
That is why the Life Path and Bhagyank chains are reported separately rather than merged: for the same date they visit different intermediates. Take 5 May 1966. The Life Path chain reduces the month to 5, the day to 5 and the year digits 1+9+6+6 to 22 and then 4, giving 5+5+4 = 14, which is a 14/5 debt. The Bhagyank chain sums every digit of the date at once, 5+5+1+9+6+6 = 32, then 3+2 = 5, and passes through no debt at all. Both readings are true of that birthday, and only naming them separately makes that visible.
One thing worth saying plainly: these four numbers are a convention of modern Western numerology, not a rule from a Sanskrit text, and this app labels its numerology sources rather than implying a classical one. The A=1 to I=9 letter grid the Expression chain uses is L. Dow Balliett's (The Philosophy of Numbers, 1908); the Chaldean values used elsewhere in the app are Cheiro's (Cheiro's Book of Numbers, London, 1926).
For educational purposes. Astrological interpretations are traditional and not a substitute for professional advice.