Financial Glossary

A comprehensive guide to understanding key financial and accounting terms used in business.

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

A

Account

A record of financial transactions related to an asset, liability, revenue, expense, etc.

Accounts Payable

Unpaid supplier invoices and bills, grouped under the AP account, found on the balance sheet as a liability.

Accounts Receivable

Unpaid sales invoices, grouped under the AR account, found on the balance sheet as an asset.

Accrual Accounting

A method where revenue is recorded when earned and expenses when incurred, regardless of when payment is made or received.

Adjusting Journal Entry

An entry made at the end of an accounting period to account for unrecognized income or expenses.

Allowance for Doubtful Accounts

An estimate of the percentage of accounts receivable that are expected not to be collected.

Asset

Items of value owned by a business, including current assets like cash and non-current assets like equipment.

B

Balance Sheet

A report showing assets, liabilities, and equity of the business, aligning with the accounting equation.

Bank Reconciliation

The process of comparing a company's bookkeeping records to the information on the company's bank statement.

Bookkeeping

The process of recording, categorizing, and summarizing financial transactions of a business.

Budget

A financial plan estimating how much a business will earn and detailing planned expenditures.

C

Cash Flow

The movement of cash through the business, detailing how cash flowed into and out of the business.

Chart of Accounts

A list of accounts used in a business to categorize financial transactions, including assets, liabilities, equity, income, cost of goods sold, and expenses.

Closing the Books

The process of finalizing end-of-year accounts, producing financial statements, and calculating tax payable.

Credit

An arrangement between a buyer and a seller for deferred payment on goods and services. A credit entry can reduce assets or increase liabilities.

D

Debit

An entry on the left side of a ledger account, which can increase assets or expenses or decrease liabilities, revenue, or net worth.

Double-Entry Bookkeeping

A method where every financial transaction is recorded twice, once as a credit and once as a debit.

E

Equity

The sum of money that the owner or shareholders would receive if all assets were liquidated and all company debt was paid off.

Expense

Money spent to operate a company that is not directly related to the sale of individual goods or services.

F

Fiscal Year

A 12-month period chosen by a business as its accounting period, which does not have to be a calendar year.

Fixed Asset

A tangible piece of equipment or property that a business plans to use long-term to generate income.

G

General Ledger

Contains summaries of all financial transactions over the life of the company.

Gross Profit

A company's profit after deducting all the costs associated with producing and selling the product or services.

I

Income Statement

A financial statement showing monthly, quarterly, or yearly financial activity, including profits and losses.

J

Journal

Another term for account where daily business transactions are placed before being recorded in the general ledger.

L

Liability

An obligation to pay for receiving goods or services, classified as a liability.

N

Net Profit

The profit after all expenses have been deducted from revenue.

R

ROI (Return on Investment)

Calculated by dividing the net profit by the cost of the investment.

T

Trial Balance

A list of all accounts and their balances at a specific point in time, used to check for errors in the accounting records.

W

Write-off

Charging an asset account as an expense or loss, often for unpaid invoices or losses on assets.