貯蓄・儲蓄|ちょちくchochiku[0]heiban (flat)
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Which spelling to use
貯蓄貯蓄 is the most common written form and the one beginners should use; it is written entirely in kanji.
儲蓄儲蓄 is a rarely used written form, also written entirely in kanji; learners should use 貯蓄 instead.
Definitions
- noun, suru verb, transitive verb, intransitive verbsavings
Conjugation
| Dictionary form | 貯蓄する（ちょちくする） |
|---|---|
| Polite (masu) | 貯蓄します（ちょちくします） |
| Negative (nai) | 貯蓄しない（ちょちくしない） |
| polite (masen) | 貯蓄しません（ちょちくしません） |
| classical zu / nu | 貯蓄せず・貯蓄せぬ（ちょちくせず・ちょちくせぬ） |
| Past (ta) | 貯蓄した（ちょちくした） |
| polite (mashita) | 貯蓄しました（ちょちくしました） |
| Past negative (nakatta) | 貯蓄しなかった（ちょちくしなかった） |
| polite (masen deshita) | 貯蓄しませんでした（ちょちくしませんでした） |
| Te form | 貯蓄して（ちょちくして） |
| Potential | 貯蓄できる（ちょちくできる） |
| Passive | 貯蓄される（ちょちくされる） |
| Causative | 貯蓄させる（ちょちくさせる） |
| Causative passive | 貯蓄させられる（ちょちくさせられる） |
| Conditional (ba) | 貯蓄すれば（ちょちくすれば） |
| tara | 貯蓄したら（ちょちくしたら） |
| Volitional | 貯蓄しよう（ちょちくしよう） |
| polite (mashou) | 貯蓄しましょう（ちょちくしましょう） |
| Imperative | 貯蓄しろ（ちょちくしろ） |
Common forms generated by rule; see the senses for honorific or irregular usage.
Synonyms & antonyms
- Synonym積立つみたてNeutralSaving money in regular installments for the future, as in 「積立預金」; 「貯蓄」 is the general term for saving and for savings themselves.
- Synonym蓄えたくわえNeutralA native-Japanese word for a store or reserve, as in 「老後の蓄え」; 「貯蓄」 is a Sino-Japanese term that sounds more like formal economic language.
- Synonym貯金ちょきんNeutralSaving money or the money saved; the everyday word most people use. 「貯蓄」 sounds more like formal economic language.
- Synonym預金よきんNeutralMoney deposited with a bank or similar institution. 「貯蓄」 covers saving by any method, not just deposits.
- Synonym積み立てるつみたてるNeutralA verb: to save money in installments; it can also mean to pile things up. 「貯蓄」 is a noun.
- Synonym蓄積ちくせきWrittenWritten/formal prose: accumulation over the long term, applied to abstract things like knowledge or even fatigue. 「貯蓄」 mostly refers to money and goods.
- Synonym蓄えるたくわえるNeutralA verb: to store up or save, and also to build up knowledge or grow a beard. 「貯蓄」 is a noun and mostly refers to money and goods.
- Synonym貯めるためるNeutralA verb: to save up money or accumulate things. 「貯蓄」 is a noun and leans formal.
- Related備蓄びちくWrittenWritten/formal prose: stockpiling money, food and the like for emergencies, as in 「備蓄米」. 「貯蓄」 is saving for the future in ordinary times.
- RelatedへそくりCasualColloquial: money saved in secret from one's family, with a sense of hiding it away. 「貯蓄」 says nothing about whether the saving is open or secret.
- Related積み金つみきんWrittenWritten/formal prose: a reserve fund set aside, now somewhat old-fashioned. 「貯蓄」 is the more common word.
- Antonym浪費ろうひNeutralWasting or squandering money — the opposite of 「貯蓄」, which is about frugal saving.
- Antonym消費しょうひNeutralSpending or using up money and goods — the opposite of 「貯蓄」, which is about putting money away.
Use 「貯蓄」 for setting aside wealth for the future, as in 「貯蓄率」. In everyday talk, 「貯金」 is the usual word for saving money and 「預金」 for bank deposits; use 「積立」 for saving in installments and 「へそくり」 for a secret stash. 「浪費」 is the opposite: waste.
Usage comparisons are AI-assisted and cross-checked by multiple models; for study reference only
Japanese definitions
Kanji in this word
English equivalents
See also
