How to say "savings" in Japanese

• 貯蓄ちょちくJLPT N1approx.Common
  noun, suru verb, transitive verb, intransitive verbSavings in the general sense: money set aside rather than spent, considered as a whole or as an amount; the word for saving as a concept or practice.
  まさかのときに備そなえて貯蓄ちょちくせよ。↗

  Keep something for a rainy day.
• 貯金ちょきんJLPT N3approx.Common
  noun, suru verb, transitive verbMoney you set aside as an individual, typically in a bank account; the word for one's own savings, covering both the act of saving and the amount saved.
  彼女かのじょはお金かねをたくさん貯金ちょきんしている。↗

  She put aside a lot of money.
• 積立つみたてCommon
  nounSavings as something accumulated: money put aside bit by bit and allowed to build up over time. Use it when the emphasis falls on that steady accumulation.
• 蓄えたくわえCommon
  nounA store or reserve laid up for future use; savings is only one of its senses, and it is not specifically about money. For bank savings, one of the other words is the better choice.
  食料しょくりょうの蓄たくわえはその時ときまで持もたないだろう。↗

  The food supplies will not hold out till then.

Use 貯蓄 for savings as a general concept, 貯金 for money you personally set aside, especially in a bank, 積立 for money put aside bit by bit to accumulate, and 「蓄え」 for a reserve or store of things.

Usage comparisons are AI-assisted and cross-checked by multiple models; for study reference only

• 貯蓄ちょちくsavings
• 貯金ちょきんputting money aside
• 積立つみたてsaving
• 蓄えたくわえstore
• 貯金額ちょきんがくsavings
• 積み金つみきんreserve fund