There are 4 different types of karma:
* Sanchita Karma: the accumulated result of all your actions from all your past lifetimes. This is your total cosmic debt. Every moment of every day either you are adding to it or you are reducing this cosmic debt.
* Prarabdha Karma: the portion of your “sanchita” karma being worked on in the present life. If you work down your agreed upon debt in this lifetime, then more past debts surface to be worked on.
* Agami Karma: the portion of actions in the present life that add to your “sanchita” karma. If you fail to work off your debt, then more debts are added to “sanchita” karma and are sent to future lives.
* Kriyamana Karma: daily, instant karma created in this life that is worked off immediately. These are debts that are created and worked off – ie. you do wrong, you get caught and you spend time in jail.