For intermediate learners: financial planning, banking systems, debt, and economic concepts used often in everyday news.
Free Money & Finance vocabulary flashcards at the B1 level — all 35 words with definitions and examples. Study them with spaced repetition and recognize and use these words confidently in real conversations.
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revenue
the total money a business receives from selling its products or services
mortgage
a large loan from a bank used to buy a house, repaid over many years
overpay
to pay more money than something actually costs
interest rate
the percentage of a loan or deposit that is charged or earned as payment
inflation
a general rise in prices over time, which reduces the buying power of money
direct debit
an automatic payment taken regularly from a bank account to pay a bill
pension
money paid regularly to someone after they retire from work
asset
something of value that a person or company owns, such as property or money
liability
a debt or financial obligation that a person or company must pay
negotiate
to discuss terms with someone in order to reach a financial agreement
transaction
any act of buying, selling, or transferring money
statement
an official record of the money going into and out of a bank account
interest
extra money paid for borrowing money, or earned for saving it
subsidy
money given by a government to help reduce the cost of something for people or businesses
expenditure
the total amount of money spent by a person, business, or government
invoice
an official document asking for payment for goods or services provided
overdue
not paid by the required date; past the deadline for payment
instalment
one of a series of regular payments made until the full amount is paid
overdraft
when you spend more money than you have in your bank account, going into a negative balance
outstanding
not yet paid, especially referring to money owed
repay
to pay back money that you borrowed
cashback
money given back to a customer, either as a reward or when paying by card in a shop
overspend
to spend more money than you planned or can afford
financial
relating to money and how it is managed
audit
an official examination of a company's financial records to check they are accurate
grant
money given by a government or organisation for a specific purpose, which does not need to be repaid
sum
an amount of money
overhead
regular fixed costs a business must pay regardless of how much it sells
forecast
a prediction of future financial performance based on available information
creditor
a person or company to whom money is owed
debtor
a person or company that owes money to someone else
liquid
having money or assets that can easily and quickly be converted to cash
solvent
able to pay all debts because you have enough money or assets
break even
to earn exactly enough money to cover your costs, with no profit or loss
net income
the amount of money left after all taxes and costs have been taken from total earnings