Karma is the action I perform. Any action performed by my body, mind, senses, spirit, and intellect add to my Karma. Not performing an action is also karma. These karma are either voluntary or involuntary. Karma happen at every level of consciousness viz conscious, subconscious, and unconscious. I am solely responsible for all my Karma. All my voluntary karma based on my intent get categorized as good or bad this forming the balance sheet of my individual being. That balance sheet keeps getting updated along with every act of mine. It is that balance sheet that decides my future destiny.

Indian ancient wisdom categorizes human karma into three main categories -

1. Kriyaman
2. Sanchit
3. Parabdh

There's a clearcut distinction among these three kinds of Karma. Kriyaman Karma is our current life Karma. So whatever I am doing in present, or have done in the past since birth, or will be doing in future till my death comes under Kriyaman Karma. It's very important to understand that Kriyaman Karma only includes only my mundane and insignificant acts. These karma do not at to my Karma balance sheet. These get squared off, nullified, and neutralised by means of action and reaction.

These are the karmas that add to my Karma balance sheet which in turn decide my destiny and fate in this life and after life. Unlike financial balance sheets where debit and credit, or, profit and loss, or, asset and liability, sum up to finally produce a net value that is either negative or positive. In this case, each negative and positive karma stays as it is defining its corresponding impact. The impact might not come in the same sequence. That sequence is controlled by our stars and luck. That's how our life is a mix of joys and sorrows, happiness and sadness, good and bad results.