貯金をする
save money
직역: 貯金 (savings) + を (object particle) + する (to do)
Use `貯金をする` when you are intentionally putting cash aside in a bank for the future.
15초 만에
- Standard phrase for putting money into a bank account.
- Used for financial goals, big purchases, or general stability.
- Focuses on accumulating cash, not just getting discounts.
뜻
This phrase is the standard way to talk about putting money away in a bank account. It's what you say when you're being responsible and building up your nest egg for a rainy day or a big purchase.
주요 예문
3 / 6Talking about a future vacation
ハワイに行きたいから、今、貯金をしています。
I want to go to Hawaii, so I'm saving money right now.
Explaining why you can't go to an expensive dinner
ごめん、車を買うために貯金をしているんだ。
Sorry, I'm saving money to buy a car.
A parent giving advice to a child
お年玉はちゃんと貯金をしなさいね。
Make sure you save your New Year's money properly.
문화적 배경
Japan has historically high household savings rates compared to many Western nations. This stems from a cultural emphasis on 'muda' (wastefulness) avoidance and a long-standing preference for liquidity and security over high-risk investments. The 'post office savings' system (Yucho) is one of the largest in the world, making saving a deeply ingrained part of the national infrastructure.
The 'Yokin' Distinction
If you are at a bank, you might see the word `預金` (yokin). While `chokin` is the general act of saving, `yokin` is the technical term for money deposited in a bank. Use `chokin` in conversation!
Don't confuse with Setsuyaku
Remember: `setsu-yaku` is 'saving' by not spending (like using coupons). `chokin` is the actual pile of cash you have left over.
15초 만에
- Standard phrase for putting money into a bank account.
- Used for financial goals, big purchases, or general stability.
- Focuses on accumulating cash, not just getting discounts.
What It Means
貯金をする simply means to save money in a bank. It is the most common way to describe the act of building savings. Unlike just 'keeping' money, this specifically implies putting it aside for the future. It usually refers to cash in a savings account.
How To Use It
You use this phrase like any other suru verb. If you are currently saving, you say chokin o shite imasu. If you want to start, use chokin o hajimemasu. It’s a very flexible 'building block' phrase. You can add a goal before it using no tame ni. For example, ryokou no tame ni chokin o suru means saving for a trip.
When To Use It
Use this when discussing financial goals with friends. It’s perfect for talking about why you can't go out for expensive sushi tonight. You’ll hear it at banks when opening accounts. It’s also common in New Year’s resolutions. If you’re texting a friend about a dream car, this is your go-to phrase.
When NOT To Use It
Don't use this for 'saving' a life or 'saving' a file on a computer. Those use different verbs like tasukeru or hozon suru. Also, if you mean 'saving money' by getting a discount, use setsu-yaku. 貯金をする is specifically about the money you *keep*, not the money you *didn't spend*. Don't use it for investing in stocks either; that’s toushi.
Cultural Background
Japan is famous for being a 'savings nation.' Many people prefer cash and bank deposits over risky stocks. Even children are taught to chokin early on. They often receive otoshidama (New Year's money) and are encouraged to put it straight into the bank. There's a certain social pride in having a healthy chokin balance. It represents stability and maturity in Japanese society.
Common Variations
You might hear okane o tameru. This is more casual and literally means 'to accumulate money.' There is also hetsokuri, which is 'secret savings'—usually hidden from a spouse! If you are 'eating into' your savings, you use the verb kirikuzusu. But for everyday life, 貯金をする remains the king of financial phrases.
사용 참고사항
This phrase is incredibly safe to use. It's neutral, so you won't offend anyone. Just remember to use `shimasu` in formal settings and `suru` with friends.
The 'Yokin' Distinction
If you are at a bank, you might see the word `預金` (yokin). While `chokin` is the general act of saving, `yokin` is the technical term for money deposited in a bank. Use `chokin` in conversation!
Don't confuse with Setsuyaku
Remember: `setsu-yaku` is 'saving' by not spending (like using coupons). `chokin` is the actual pile of cash you have left over.
The 'Secret' Piggy Bank
Japanese people sometimes use the word `へそくり` (hesokuri) for secret savings. It literally comes from 'stashing money in the navel area' of a kimono!
예시
6ハワイに行きたいから、今、貯金をしています。
I want to go to Hawaii, so I'm saving money right now.
Using the continuous form 'shite imasu' shows an ongoing effort.
ごめん、車を買うために貯金をしているんだ。
Sorry, I'm saving money to buy a car.
The 'nd' at the end adds an explanatory tone to the excuse.
お年玉はちゃんと貯金をしなさいね。
Make sure you save your New Year's money properly.
A common parental command in Japanese households.
毎月いくらぐらい貯金をされますか？
About how much will you be saving each month?
Uses the polite 'sareru' form of 'suru'.
貯金をするのが苦手すぎて、財布がいつも空っぽだよ（笑）
I'm so bad at saving money, my wallet is always empty lol.
Uses 'nigate' to show lack of skill in saving.
将来のために、若いうちから貯金をしたほうがいいですよ。
It's better to save money from a young age for the sake of your future.
A piece of serious, helpful advice using 'hou ga ii'.
셀프 테스트
Choose the correct particle and verb form to say 'I will save money for a house.'
家を買うために、お金___ ___。
The object particle 'o' is used with the verb 'chokin o shimasu'.
Which word fits best when talking about putting money in a bank?
将来が心配だから、___をすることにした。
'Chokin' is specifically for saving money in a bank, which fits the context of worrying about the future.
🎉 점수: /2
시각 학습 자료
Formality of 'Saving Money'
Used with friends/family.
お金をためる (Okane o tameru)
The standard, versatile way.
貯金をする (Chokin o suru)
Used in business or banking.
預金をする (Yokin o suru)
When to Use Chokin o Suru
At the Bank
Opening a savings account.
With Friends
Explaining why you're skipping a trip.
New Year's
Setting a goal for the year.
Parenting
Teaching kids about money.
자주 묻는 질문
11 질문chokin is the general word for saving money anywhere. yokin is a more formal term used specifically for bank deposits, like yokin kouza (bank account).
No, chokin is strictly for money. For saving time, you would use jikan o setsuyaku suru or jikan o tanshuku suru.
Yes, if you use the polite form chokin o shimasu. It is a neutral phrase that works in almost any social setting.
You can say chokin ga arimasen or more casually chokin zero da yo.
It means to 'dip into' or 'eat away at' your savings because you need the money for expenses.
Money is a private topic in Japan. Unless you are very close, it might be seen as a bit too personal to ask directly.
Usually, we use pointo o tameru for points. chokin is specifically for cash.
The opposite would be okane o tsukau (to spend money) or shishitsu (expenditure).
It can be both! While it usually implies a bank account today, a chokin-bako is the word for a physical piggy bank.
You would say kekkonshiki no tame ni chokin o shite imasu.
Not exactly slang, but okane o tameru is the more 'street' or casual way to say you're amassing cash.
관련 표현
お金をためる (to accumulate money)
節約する (to economize/save on expenses)
預金 (bank deposit)
へそくり (secret savings)
貯金箱 (piggy bank)
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