Did you know that astrology is way more than your “Big 3” but includes planets like Pluto, too?

As astrology has become more mainstream and a plethora of astrology apps have populated app stores, more and more people are aware of their Big 3, or your Sun, Moon, and Ascendant. These three placements are critical to the way you show up in the world.

But they aren’t the only pieces of information your birth chart has to offer.  

Another placement to look at is Pluto.

Because when you study where Pluto shows up in your chart, you can start to see how these unconscious emotional security preferences might be impacting your relationship to money.

Let’s dig into the connection between Pluto and your bank account.

How Pluto impacts your behavior

Pluto is the last “planet” in the solar system and moves from sign to sign incredibly slowly (about every 20 years or so).

As such, it is considered a generational planet. Millennials have Pluto in Scorpio, Gen Z has Pluto in Sagittarius, and the latest Generation Alpha has Pluto in Capricorn. Each generation shares specific characteristics that help set the direction of the change these collectives will make on the world. 

Pluto represents the internal “operating system” we’re born with.

It’s the software that comes preloaded into your human hardware that sets us off on our journey of personal evolution throughout our lives. It comes preloaded with unconscious emotional security preferences that can both keep us safe, but also keep us stuck if we can’t figure out how to push past them. 

How to find the relationship between Pluto and your bank account

It’s super easy! Simply follow these steps. 

• Go to astro.com 
• Click “Free Horoscopes” 
• Click “All at a Glance” 
• Click “Extended Chart Selection” 
• Enter your birth information. It’s best if you know the exact time of your birth, but you can still learn a lot without it! 
• Click Show the Chart. 
• Look for the symbol that looks kind of like a P (see above). That’s Pluto! 

Identifying if your Pluto placement impacts your relationship to money 

Now that you’ve found it, what do you do with it?

Well, let’s look at Pluto just through the lens of money and abundance.

What house or sign is Pluto In? 

In astrology, there are a few houses that speak to money, finances, resources, and the ways in which we are likely to earn money. Those houses are: 

• The 2nd House: This house rules your personal finances, resources, abundance, and values. 
• The 8th House: This house rules the parts of yourself, your life, and your money that you share with others. It is the ways in which we are open to both giving and receiving in our lives. It’s often called the house of sex, death, and taxes. 
• The 10th House: This house rules your career, public image, and reputation. It’s your most public self, the you that might be seen on a stage or behind a podium. 

These houses also tie to signs, which represent characteristics and behaviors. Some of which are related to abundance, values, and career. Those signs are: 

• Taurus: The bull is all about security and hard work in the pursuit of abundance and stability. 
• Scorpio: The scorpion penetrates to the heart of the matter, which when exacerbated can lead to paranoia and a lack of trust. 
• Capricorn: The Sea Goat understands the power of ambition and the ways that pressure shapes us throughout our lives. 

Example of Pluto house and sign placements

Take a look at your own chart. Is Pluto on the 2nd, 8th, or 10th Houses?

You’ll know because of the little number at the skinny end of the piece of pie. Here’s an example of a birth chart that has Pluto in the 2nd house. 

Interpreting your Pluto placement

Pluto in the 2nd house or in Taurus

If Pluto is in your 2nd house or in Taurus, you may see money as a source of emotional security and comfort.

Without money, you’ll experience a lot of anxiety and fixate on the quest to accumulate more of it. Scarcity mindset may be a huge issue you’ll have to overcome on your journey of personal evolution. You’ll need to find ways to separate your sense of personal worth from your financial worth.

If you do have money, you may have a hard time parting with it, leading to money hoarding behaviors that keep your bank account full but your heart and soul empty. Spending money may be stressful, making it hard to invest in yourself and the life of your dreams.

Recognizing and getting clear on what you value will help you move past this kind of spend paralysis. Do you value having money in the bank more than you value personal fulfillment or a comfortable home or travel? 

Pluto in the 8th house or in Scorpio

If Pluto is in your 8th house or in Scorpio, you may see the exchange of money as a source of emotional security and comfort.

This can also swing two ways:

• with a spectrum in the middle; or
• a pendulum that swings from one extreme to the other over time.

On one end of the spectrum, you may feel much more comfortable giving than you do receiving.

Perhaps you’re a super charitable person, but there never seems to be enough left over at the end of the month for you. Perhaps you have family that you support, but never accept any help from others in return. Money tends to go one way in your experience: out the door. Your lesson will be getting comfortable with reciprocal support.

It is okay to accept help!

On the other end of the spectrum, you may find comfort in receiving money and resources and assistance from others but don’t reciprocate.

Maybe you don’t know how, maybe you don’t know what value you can add, maybe you see yourself as a victim. Regardless, this creates one-sided relationships that may whither if you don’t find ways to balance the scales. A well can only provide so much water before it goes dry.

You’ll need to get comfortable being both the giver and receiver, the hero and the damsel so your relationships and collaborations  have space to thrive. 

Pluto in your 10th house or in Capricorn

If Pluto is in your 10th house or in Capricorn, you see the perusal of ambition and success as a source of emotional security and comfort.

You may be the classic workaholic, with blinders on that make it hard to see other aspects of your life at times.

This may make money come easily, but also make it hard to appreciate and see your own success and worth. You’re always on to the next mountain to climb, the next battle to win, the next promotion to earn. Life might become a series of goals to achieve instead of experiences to live through.

You may end up not being much fun to be around.

All the hard work you’ve done may end up leaving you isolated and alone at the top of the mountain, with nobody left with which to share your wealth. You’ll have to find ways to exist within the present moment and appreciate the people and experiences that make life worth living. 

Note: Kids born since 2008 will have Pluto in Capricorn, and I think we can all see the mountains this generation may have to climb just to survive in a wildly changing world. They may have the tools needed to climb, but will they be able to connect with each other and their world when they reach their destination?  

Pluto in Scorpio

All Millennials should have Pluto in Scorpio, which makes us a generation that will struggle with the exchange of money and the direction it feels most comfortable for it to go.

We’re the generation that came of age during the Great Recession, the first generation to have less wealth (inflation adjusted) than our parents, a generation that struggles with home ownership, and that is at the heart of the wild disparities in wealth thanks to the boom of tech and rise of social media.

Part of this is our values, part of it our conditioning, part of it the circumstances we inherited and thus the operating system we were born with.

Is your Pluto placement intercepted?

If you happen to have Pluto in the 2nd, 8th, or 10th houses, or in Taurus, Scorpio, or Capricorn I would also suggest you see if that sign is intercepted.

An intercepted sign is one that contains the entirety of a house within it, meaning the house’s first and last degree are all in one house.

Here is an example of a chart with Pluto in an intercepted house.

In it you can see how Pluto is in the 12th house, which exists entirely and only in the sign of Scorpio. 

This will basically weaken the expression of this house, making the pull of Pluto stronger for you and thus harder to learn to overcome. Your coping mechanisms are something you likely inherited from your parents or learned from an early age, and thus are rooted quite deep within your psyche. 

Knowledge is power, though!

Don’t give up on yourself if you have Pluto in an intercepted Taurus, Scorpio, or Capricorn, or if the house that intercepts a sign is the 2nd, 8th, or 10th.

It is just showing you parts of yourself you can work to strengthen, and courses of study that are well worth pursuing. 

Pluto & your bank account: where’s your placement?

You’ve just learned three simples things to look for in our brith chart that will help you identify your deep subconscious patterns related to money.

These are parts of your personal operating system likely need some updating!

If you don’t have Pluto in any of these placements but still have money issues…don’t worry. There is always more that astrology has to teach us, and your pattern may be emanating from a different level (perhaps Saturn! Or Chiron! The options are endless). 

I’d encourage you to start to do your own research around the relationship between Pluto and your bank account.

There is a wealth of resources online that are just a Google Search away. Simply type in “Pluto in the 2nd House” and read away. 

And if you want to get really close to your Pluto placement and what it means for you (whether it’s in the 2nd, 8th, or 10th houses or not), I highly recommend reading Pluto: The Evolutionary Journey of the Soul, Volume 1. 

Or if you’re just looking for another quick skim in somebody else’s words, you can find more about Pluto by Sign and House here. 

Meet the Writer Ashley Christiano is a fantasy writer, experienced tarot reader, and professional astrologer based in Los Angeles. As The Novel Mystic, she combines the power of astrology, tarot, and creative writing to empower women, educate the astro-curious, and inspire her own storytelling. You can find her on Twitter or her website to keep up with the stars, learn more about various esoteric modalities, or get your own tarot reading.