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balance
In finance and accounting, the difference between the debit and credit sides of an account. A positive balance means credit, a negative balance means debt.
Bitte überprüfen Sie den aktuellen Saldo Ihres Bankkontos.
Please check the current balance of your bank account.
'Saldo' (balance) is a technical term from finance and accounting. In everyday life, it is mainly used in the context of bank accounts.
Der Saldo wird am Ende des Monats berechnet.
The balance is calculated at the end of the month.
Common combinations are 'den Saldo ausgleichen' (to settle the balance / pay off a debt), 'einen Saldo aufweisen' (to show a balance, whether credit or debt), as well as 'positiver Saldo' (positive balance) or 'negativer Saldo' (negative balance).
Um das Konto zu schließen, müssen Sie zuerst den negativen Saldo ausgleichen.
To close the account, you must first settle the negative balance.
'Saldo' (balance) is a loanword from Italian, where 'saldo' means 'firm' or 'settled'. It was adopted into German commercial language.
Am Monatsende wies ihr Konto einen erfreulichen Saldo auf.
At the end of the month, her account showed a pleasing balance.
guilt / debt
'die Schuld' and 'der Saldo' can both refer to money in an account. A debt means that you have to pay money back. A balance is the difference in an account: it can be positive, meaning you have credit, or negative, meaning you have debt. The words can be confused because a negative balance practically shows that debts exist. Still, 'Saldo' is a precise financial term for the account balance as the result of a calculation, while 'Schuld' emphasizes the money owed itself.
Auf dem Kontoauszug steht ein negativer Saldo von 200 Euro.
The bank statement shows a negative balance of 200 euros.
Nach dem Urlaub konnte Maria ihre Schulden bei der Bank langsam zurückzahlen.
After the vacation, Maria was slowly able to pay back her debts to the bank.