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🎯 Assignment Prep Mode
Choose your assignment type to instantly surface the most critical terms to review before you walk in. Every entry has a pronunciation button.
📣
Earnings Call
Quarterly results, guidance
🤝
M&A Deal
Mergers, acquisitions, due diligence
🌍
IMF / World Bank Meeting
Policy, development, structural reform
🌐
Trade Summit
Tariffs, Incoterms, sanctions
🏛️
Corporate AGM
Governance, shareholders, dividends
🏦
Central Bank Press Conference
Monetary policy, rates, QE
🚀
IPO Roadshow
Listing, prospectus, underwriting
⚖️
Debt Restructuring
Haircut, quita, sovereign debt
✏️ Financial Report Builder
Choose your parameters to generate a professional bilingual financial summary. Each regeneration uses a different sentence structure. Copy either language with one tap.
🇬🇧 English
🇪🇸 Spanish
⚡ Day-of-Assignment Quick Card
The 20 highest-risk terms every finance interpreter must know cold. Print and tuck into your notepad before every assignment.
📊 Quick Reference Tables
Essential reference data for finance interpreters: credit ratings, financial ratios, Incoterms, number scales, and Basel III requirements.
Credit Rating Scales — S&P / Moody's / Fitch
S&P / Fitch
Moody's
Category
Spanish
Notes
AAA
Aaa
Investment grade
Grado de inversión
Highest quality
AA+/AA/AA−
Aa1/Aa2/Aa3
Investment grade
Grado de inversión
Very high quality
A+/A/A−
A1/A2/A3
Investment grade
Grado de inversión
High quality
BBB+/BBB/BBB−
Baa1/Baa2/Baa3
Investment grade
Grado de inversión
Adequate quality — lowest IG
BB+/BB/BB−
Ba1/Ba2/Ba3
Speculative
Grado especulativo
Junk / bono basura threshold
B+/B/B−
B1/B2/B3
Speculative
Grado especulativo
Highly speculative
CCC/CC/C
Caa/Ca/C
Distressed
En dificultades
Near or in default
D
—
Default
En incumplimiento
Default has occurred
Key Financial Ratios — EN / ES
Ratio (EN)
Ratio (ES)
Formula
Interpretation
Current ratio
Ratio de liquidez corriente
Current assets ÷ Current liabilities
>1 = solvent short-term
Quick ratio / Acid test
Prueba ácida
(Current assets − Inventory) ÷ Current liabilities
Stricter liquidity test
Debt-to-equity (D/E)
Ratio de endeudamiento
Total debt ÷ Shareholders' equity
Higher = more leveraged
ROE
Rentabilidad financiera
Net income ÷ Shareholders' equity
Return for shareholders
ROA
Rentabilidad económica
Net income ÷ Total assets
Asset efficiency
EBITDA margin
Margen EBITDA
EBITDA ÷ Revenue × 100
Operational profitability %
Gross margin
Margen bruto
(Revenue − COGS) ÷ Revenue × 100
Production efficiency %
Interest coverage
Cobertura de intereses
EBIT ÷ Interest expense
>1.5 generally safe
P/E ratio
PER
Share price ÷ EPS
Market valuation multiple
Incoterms 2020 — Quick Reference
Term
Spanish
Risk transfers at…
Who pays freight
EXW — Ex Works
En fábrica
Seller's premises
Buyer
FCA — Free Carrier
Franco transportista
Named place
Buyer
FOB — Free On Board
Franco a bordo
Port of origin (on board)
Buyer
CFR — Cost and Freight
Coste y flete
Port of origin (on board)
Seller (freight only)
CIF — Cost, Insurance, Freight
Costo, seguro y flete
Port of origin (on board)
Seller (freight + insurance)
DAP — Delivered at Place
Entregada en lugar
Named destination
Seller
DDP — Delivered Duty Paid
Entregada con derechos pagados
Named destination
Seller (incl. duties)
Number Scale — English vs Spanish (CRITICAL)
English
Figure
Spanish
Interpreter note
Thousand
1,000
Mil
No conflict
Million
1,000,000
Millón
No conflict
Billion ⚠️
1,000,000,000 (10⁹)
Mil millones
NOT billón — ×1,000 error risk
Trillion ⚠️
1,000,000,000,000 (10¹²)
Billón
English trillion = Spanish billón
Quadrillion
10¹⁵
Mil billones
Rare in finance
Basel III — Key Capital Requirements
Requirement
Spanish
Minimum ratio
Notes
Tier 1 capital ratio
Ratio de capital de nivel 1
6%
Core capital / RWA
Common equity Tier 1 (CET1)
Capital ordinario de nivel 1
4.5%
Highest quality capital
Total capital ratio
Ratio de capital total
8%
Tier 1 + Tier 2
Leverage ratio
Ratio de apalancamiento
3%
Tier 1 / Total exposure
Liquidity coverage ratio (LCR)
Ratio de cobertura de liquidez
100%
30-day stress test
Net stable funding ratio (NSFR)
Ratio de financiación estable neta
100%
1-year funding stability
International Organizations — Always Use Spanish Acronym
English
Acronym EN
Spanish
Acronym ES
International Monetary Fund
IMF
Fondo Monetario Internacional
FMI
World Trade Organization
WTO
Organización Mundial del Comercio
OMC
OECD
OECD
Org. para la Cooperación y el Desarrollo Económicos
OCDE
Inter-American Development Bank
IDB
Banco Interamericano de Desarrollo
BID
International Finance Corp.
IFC
Corporación Financiera Internacional
CFI
Financial Stability Board
FSB
Consejo de Estabilidad Financiera
CEF
International Financial Reporting Standards
IFRS
Normas Internacionales de Información Financiera
NIIF
📱 QR Codes — Scan to Open on Mobile
Each QR code opens this app pre-filtered for that assignment type. Print them in your preparation materials or save to your phone.
How to use QR codes in your work: Print the relevant QR code in your assignment brief so you can scan it mid-assignment. Save the "Critical Terms Only" QR in your phone photos for instant access before booth work.
🎙️ Live Term Detection
Tap the microphone and speak — or play audio from the booth. The app listens continuously and surfaces glossary entries the moment finance terms are detected. No typing needed.
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Live Transcript
Transcript will appear here as you speak…
0 terms detected0 unique entries0:00 session time
Detected Terms
Detected glossary terms will appear here as you speak…
Tips for best results: Use Chrome or Safari for highest accuracy. Speak clearly at normal pace. Terms are matched even when partially spoken (e.g. "EBIT" matches "EBITDA"). Works best with a microphone close to the speaker — the booth audio feed if available.
🎓 Practice Exercises
Drill the finance lexicon with flashcards, multiple choice, and fill-in-the-blank. Both EN↔ES directions. Tracks your score.
🃏
Flashcards
Tap to flip
🎯
Multiple Choice
Pick from 4 options
✏️
Fill in the Blank
Type the translation
Category
0 / 0
Score: 0
0/0
📱
Install The Finance Interpreter's Lexicon
Works on phone, tablet and computer — access offline anytime
🔓 Unlock Full Access
Enter the one-time code from your copy of The Finance Interpreter's Lexicon to unlock all 334 entries across all categories.
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❓ Help & Troubleshooting
Common issues and how to fix them — for computer, tablet and phone.
🎙️Live Tab — Microphone & Transcription
The mic icon is tilting or not responding
This happens in older versions of the app. Make sure you have the latest version by clearing your browser cache: Chrome/Edge: Press Cmd+Shift+R (Mac) or Ctrl+Shift+R (Windows) Safari: Hold Shift and click Reload
Microphone access denied
Chrome/Edge (desktop): Click the padlock 🔒 in the address bar → Site settings → set Microphone to Allow → reload the page
Safari (iPhone/iPad): Go to Settings → Safari → Microphone → Allow
Chrome (Android): Tap the padlock in the address bar → Permissions → Microphone → Allow
Transcription stops after a few sentences
This is normal browser behaviour — Chrome's speech recognition pauses after ~7 seconds of silence. The app restarts automatically. Keep speaking continuously for best results. For booth work, this matches natural speech patterns.
No text appearing at all
1. Use Chrome or Safari — Firefox and Internet Explorer do not support speech recognition 2. Make sure you have a working microphone connected 3. Check your internet connection — speech recognition requires a connection to work 4. Try the Google speech demo to confirm your mic works: google.com/intl/en/chrome/demos/speech.html
Terms not being detected
Speak clearly at a normal pace. The app matches single words and short phrases — say "asset", "EBITDA", "dividend" clearly. Background noise reduces accuracy. For best results use a headset or speak close to the microphone.
Best browsers for Live tab
✅ Chrome (desktop + Android) — best accuracy
✅ Safari (iPhone/iPad/Mac) — works well
✅ Edge (desktop) — works well
❌ Firefox — not supported
❌ Internet Explorer — not supported
📖Glossary — Entries Not Loading
Error: "Could not load entries" or HTTP 401
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The first load fetches all 334 entries from the database. Subsequent visits are instant because entries are cached. For offline use, install the app (see below).
🔑Unlock Code
Where do I find my unlock code?
Your unlock code is printed on the last page of your copy of The Finance Interpreter's Lexicon (EPUB or PDF). The code format is FINANCE-2026.
Code says "invalid"
Make sure you type the code exactly as printed — all caps, with the hyphen. Try copy-pasting it directly from your ebook. If the problem persists, contact graceesltutor@gmail.com.
I unlocked on one device — does it work on others?
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📱Installing the App
iPhone / iPad
Open finance.interplexicon.com in Safari → tap the Share button (□↑) → tap "Add to Home Screen" → tap Add. The app icon will appear on your home screen and works offline.
Android
Open in Chrome → tap the 3-dot menu → tap "Add to Home Screen" or "Install app". Works offline once installed.
Desktop (Mac / Windows)
Open in Chrome or Edge → look for the install icon (⊕) in the address bar → click it → click Install. The app opens as a standalone window and works offline.
⏱️Live Hours
How many free hours do I get?
Book owners (with FINANCE-2026 code) get 30 free minutes of Live transcription. Additional hours are available at interplexicon.com.
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Where to buy more hours
Visit interplexicon.com — Starter (5h), Pro (10h), Power (20h) and Annual (100h) packs available.
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