Finance Vocabulary in Spanish

Understanding finance requires specialized vocabulary, and learning these terms in Spanish can be extremely useful for business, travel, or personal enrichment. Here's a breakdown of some key financial terms in Spanish:

Basic Concepts

• Dinero: Money. The fundamental term!
• Banco: Bank. Where you keep your "dinero".
• Cuenta bancaria: Bank account. More specifically, this is *your* place to store money in the bank.
• Interés: Interest. This is the fee paid on borrowed money, or earned on savings.
• Préstamo: Loan. Borrowing money that must be repaid.
• Deuda: Debt. The total amount of money owed.
• Presupuesto: Budget. A plan for managing income and expenses.
• Inversión: Investment. Putting money into something with the expectation of future profit.
• Impuestos: Taxes. Mandatory payments to the government.

Banking and Transactions

• Cajero automático (ATM): Automatic Teller Machine (ATM).
• Tarjeta de crédito: Credit card.
• Tarjeta de débito: Debit card.
• Transferencia bancaria: Bank transfer. Moving money from one account to another.
• Hipoteca: Mortgage. A loan to purchase property.
• Cheque: Check (the paper kind).
• Comisión: Commission/Fee. A charge for a service.
• Tipo de cambio: Exchange rate. The value of one currency in relation to another.
• Ahorrar: To save. To put money aside for future use.
• Gastar: To spend. To use money to purchase goods or services.

Investing and Markets

• Mercado de valores: Stock market. Where stocks are bought and sold.
• Acciones: Stocks/Shares. A portion of ownership in a company.
• Bonos: Bonds. A debt instrument issued by a company or government.
• Fondo mutuo: Mutual fund. A portfolio of investments managed by a professional.
• Dividendos: Dividends. Payments made to shareholders.
• Rentabilidad: Profitability/Yield. A measure of how much money an investment earns.
• Riesgo: Risk. The possibility of losing money on an investment.

Accounting and Financial Statements

• Contabilidad: Accounting. The process of recording and summarizing financial transactions.
• Balance general: Balance sheet. A snapshot of a company's assets, liabilities, and equity.
• Estado de resultados: Income statement. Reports a company's financial performance over a period of time.
• Flujo de caja: Cash flow. The movement of money into and out of a business.
• Activo: Asset. Something a company owns that has value.
• Pasivo: Liability. Something a company owes.
• Patrimonio neto: Equity/Net worth. The difference between a company's assets and liabilities.

Mastering these Spanish finance terms will greatly enhance your understanding of financial concepts and your ability to communicate about them in Spanish-speaking contexts. Good luck with your financial endeavors!