Shell is basically the outer layer of an operating system. Liken this to a coconut,
the outer layer is the shell.
It is the part of the operating system (interface) a user interacts with using text commands.
Examples include; bash, zsh, fish, et cetera.
Terminal is a program that runs a shell.
It is a place where you can enter commands and access the shell.
In the early days,
terminal is a physical hardware where a user goes to enter commands.
# I hope this helps.