Every action of us results in forming a Karma. Through good actions, we gain Punya and through bad actions, which can hurt others, we gain Papa. Every Atma is attached with its own karmas. Our experiences (both good and bad) in life are a result of our past Karma.

Sanjita karma is a big bag of our karma accumulated over several births.

Prarabdha karma is a very small portion taken from that Sanjita karma (Punya & Papa acquired in our previous births) and has started giving results in our present life. Whatever Papa and Punya karmas we do in this Janma will be mostly added to Sanjita karma (since one Janma won't be enough to experience results of all karmas we do). Sometimes, we can see the results of Punya or Papa karmas in this Janma itself if it is more. 

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Agami karma need not be based on our present karma. It will be based on the next set of -Prarabdha karma_ taken from Sanjita karma bag for future Janmas.

When Papa karmas are more in Sanjita karma, Bhagavan gives birth like plants (whoever didn't control senses will get plant birth which has no feelings), animals(whoever hurt others by speech will get animal births, which can't speak) or even humans with major birth defects (one can't gain Papam in such births but can eliminate papas by means of experiencing pain) to get rid of a major portion of those papas in one Janma itself.   

Since we don't know which birth we will get in our next Janma (depending on the then Prarabdha karma), it will be good if we make full use of our current Janma (getting human birth itself is a rare one) where we have the sixth sense to explore these things and can get rid of karma by doing Anushtanam. karma done with gnanam leads to Bhakti and we have a great opportunity to end the birth cycle itself through Saranagati Marga. Krishna assures Arjuna in Gita that if someone starts practicing any yoga margam with atma paramatma gnanam, even if that person slips from that yoga in between due to any reason, he will give next birth in such a family where that yoga can be continued from the place it was stopped. 

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When we do karma according to our dharma, it will give gnanam. Karma done with gnanam leads to Bhakti which in turn takes us to Saranagati marga which is the easiest way to attain moksha (come out of the birth cycle). To attain Moksha, one should get rid of both Papa and Punya (Punya can give Swarganubhavam but after a certain period, the birth cycle will continue).  

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Major papas can be avoided but papas we do unknowingly (like stepping on the ants) can be eliminated by means of doing Panchamahayajna — five great daily yagna (sacrifices) that are to be performed by every householder. They are: (1) Brahma Yajna, called also Veda Yajna, "homage to Brahman or the Vedas or the sages"; (2) Deva Yajna, "homage to Gods and elementals."; (3) Pitru Yajna, "homage to ancestors"; (4) Bhuta Yajna, "homage to all living beings"; and (5) Manushya Yajna, "homage to humans".

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We won’t gain punya too by doing all good things with a feeling that “we are just a tool in Bhagavan’s hand”, without pride.    

When we realise “we can’t get rid of our karmas with our efforts but is possible with His grace only”, then we will have saranagati bhavam, and Bhagavan will vanish our big bag of Sanjita karma out of krupa.  

(BG chpater 18 verse 66 

सर्वधर्मान्परित्यज्य मामेकं शरणं व्रज | 

अहं त्वां सर्वपापेभ्यो मोक्षयिष्यामि मा शुच: || 66|| 

sarva-dharmān parityajya mām ekaṁ śharaṇaṁ vraja 

ahaṁ tvāṁ sarva-pāpebhyo mokṣhayiṣhyāmi mā śhuchaḥ) 

After experiencing prarabdha karma in this janma, we can reach moksham. When some Bhakta’s life ends, Bhagavan gives all the ‘punyas left in the prarabdha karma’ to those people who were good to that Bhakta and all the papas to those people who did harm to that Bhakta. This will make Punya, Papa count nil and that takes the Bhakta to Moksham.