Which term describes a principal without any additional charges or fees?

The term that accurately describes a principal without any additional charges or fees is "simple principal." This refers to the original sum of money that is lent or invested, excluding any interest, fees, or other charges that might be applied. Identifying it as "simple" emphasizes that it is the base amount without complications or additional costs associated.

In contrast, other terms might suggest various conditions or adjustments related to the principal amount, such as "nominal principal," which often refers to the stated amount before considering factors like inflation or additional costs. "Net principal" typically denotes the principal amount after certain deductions have been made, while "liquid principal" might imply the principal that can be quickly converted into cash, which also involves considerations beyond just the original sum. Thus, "simple principal" is the most appropriate term to describe the principal amount without any extras.