貯金|ちょきんchokin[0]heiban (flat)

JLPT N3approx.Common
Definitions
  1. noun, suru verb, transitive verbputting money aside; savings; deposit (e.g. in a bank)
    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.
  2. noun, suru verb, transitive verb, baseballaccumulated surplus of wins; wins in the bank
Conjugation
Dictionary form貯金する(ちょきんする)
Polite (masu)貯金します(ちょきんします)
Negative (nai)貯金しない(ちょきんしない)
polite (masen)貯金しません(ちょきんしません)
classical zu / nu貯金せず・貯金せぬ(ちょきんせず・ちょきんせぬ)
Past (ta)貯金した(ちょきんした)
polite (mashita)貯金しました(ちょきんしました)
Past negative (nakatta)貯金しなかった(ちょきんしなかった)
polite (masen deshita)貯金しませんでした(ちょきんしませんでした)
Te form貯金して(ちょきんして)
Potential貯金できる(ちょきんできる)
Passive貯金される(ちょきんされる)
Causative貯金させる(ちょきんさせる)
Causative passive貯金させられる(ちょきんさせられる)
Conditional (ba)貯金すれば(ちょきんすれば)
tara貯金したら(ちょきんしたら)
Volitional貯金しよう(ちょきんしよう)
polite (mashou)貯金しましょう(ちょきんしましょう)
Imperative貯金しろ(ちょきんしろ)

Common forms generated by rule; see the senses for honorific or irregular usage.

Synonyms & antonyms
  • Synonym貯蓄ちょちくNeutralBroader and more formal than 「貯金」: savings of all kinds, including deposits, insurance and stocks, as in 「貯蓄率」.
  • Synonym積立つみたてNeutralSaving money a little at a time, as in 「積立預金」; the emphasis is on steady, gradual accumulation rather than saving in general.
  • Synonym預金よきんNeutralMoney deposited in a bank, as in 「普通預金」. Strictly speaking, banks take 「預金」 while the post office takes 「貯金」.
  • Synonym積み立てるつみたてるNeutralVerb: to save up bit by bit, as in 「毎月一万円積み立てる」; like 「積立」, it stresses gradual accumulation.
  • Synonym蓄えるたくわえるNeutralWider range than 「貯金」: save up money, but also build up knowledge or strength, as in 「知識を蓄える」.
  • Related蓄えたくわえNeutralSaved-up money or reserve supplies, as in 「蓄えがない」; leans toward things kept on hand for future use.
  • Related溜め込むためこむCasualColloquial: to hoard or stockpile in quantity, as in 「お金を溜め込む」; also used for work or stress piling up.
  • RelatedへそくりCasualMoney saved in secret behind one's family's back — a private stash. Colloquial, with a humorous touch.
  • Related貯めるためるNeutralVerb for saving money, as in 「お金を貯める」; common in speech. 「貯金」 itself works as both noun and action.
  • Antonym借金しゃっきんNeutralBorrowed money or debt — the opposite of 「貯金」: owing rather than saving.
  • Antonym支出ししゅつNeutralMoney paid out, expenses; the opposite of 「貯金」 on the save-versus-spend axis.

To put money aside, say 「貯金」; in casual speech the verb 「貯める」 is common. 「預金」 is money in a bank account, 「貯蓄」 savings in the broad sense, and 「積立」 saving in installments. Use 「溜め込む」 for hoarding and 「臍繰り」 for a secret stash. The opposites are 「借金」 (debt) and 「支出」 (spending).

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

Japanese definitions
  1. お金かねを使つかわずにたくわえること。
  2. 使つかわずにたくわえられたお金かね。
  3. 金融機関きんゆうきかんにお金かねを預あずけること。またそのお金かね。本来ほんらいは郵便局ゆうびんきょく、農業協同組合のうぎょうきょうどうくみあい、漁業協同組合ぎょぎょうきょうどうくみあいを預け先あずけさきとするものをいう。
  4. スポーツなどで、勝利数しょうりすうが敗戦はいせん数すうを上回うわまわるときの両者りょうしゃの差さ。
  5. お金かねを使つかわずにたくわえる。
Kanji in this word
English equivalents

JLPT vocabulary levels are community estimates, not official (no official lists have been published since the 2010 revision).

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