Spanish phrase
Tengo que terminar ~.
Meaning
I need to finish ___.
When to use it
It means that something needs to be finished. It is a clear, common way to talk about an unfinished task.
Example dialogue
¿Jugamos?
Shall we play?
Ahora no. Tengo que terminar los ejercicios de matemáticas.
Not now. I need to finish the math exercises.