Current balance什麼意思
"Current balance" is a term commonly used in finance and accounting to refer to the balance of an account as of a particular point in time, typically the present or the most recent date for which information is available. It is the sum of all transactions that have occurred in an account since the beginning of the period or since the last time the balance was reset to zero.
The current balance can apply to various types of accounts, including:
- Bank accounts: checking, savings, or any other type of deposit account.
- Credit card accounts: the balance of transactions that have been made and have not yet been paid off.
- Loan accounts: the amount outstanding on a loan, including principal and any interest accrued.
- Investment accounts: the value of investments held in a brokerage account, retirement account, or other investment vehicles.
To find the current balance of an account, you would typically subtract any payments or deposits from the total amount of debits or credits. For example, if you have a checking account with a starting balance of $100 and you deposit $50 and then spend $30, the current balance would be $120 ($100 starting balance + $50 deposit - $30 debit).
The current balance is often used in financial statements, such as bank statements or credit card statements, and it's an important figure for managing personal finances, making payments, and avoiding overdrafts or late fees.