This book deals with karmic numerology taking as a basis of study, karmic debts. But also the different lessons, the challenges and the numbers of the personality, the study is made in close relation with the grid of inclusion, and the differences of vibratory intensities, which appear in the theme of birth. Karma is also studied at the level of an annual theme, to highlight, the most favorable periods, the rebalancing of a debt and a karmic lesson. The system of karmic accumulation is also approached, as well as the identification of the debts active or not in the identity, and their level of intensity. The four major debts, and the five minor debts, are broken down into their respective meanings and their relation to the inclusion grid. With this book, I propose you a complete and detailed approach to karmic numerology, as it really is.