When the 9th lord and 12th lord exchange signs, aspect each other, or conjoin in a Kendra (1,4,7,10) or Trikona (1,5,9), they neutralize the "loss" aspect of the 12th house and transform it into "high-value expenditure"—meaning, you spend money on luxury cars, foreign travel, and fine living.
The Lakshmi Yoga calculator will provide a result indicating whether you have Lakshmi Yoga in your birth chart. If the result is positive, it means that you have this auspicious yoga in your chart. The calculator may also provide additional information, such as: lakshmi yoga calculator