貯金
The act of saving money or the amount of money saved, typically in a bank or a piggy bank. It refers to setting aside funds for future use rather than spending them immediately.
Examples
3 of 5毎月、少しずつ貯金しています。
I am saving a little money every month.
将来の備えとして貯金が推奨されます。
Savings are recommended as preparation for the future.
今、貯金いくらある?
How much savings do you have now?
Word Family
Memory Tip
The first kanji 貯 means 'store' and the second 金 means 'money'. Think of it as 'storing gold'.
Quick Quiz
留学のために、毎月3万円___しています。
Correct!
The correct answer is: 貯金
Examples
毎月、少しずつ貯金しています。
everydayI am saving a little money every month.
将来の備えとして貯金が推奨されます。
formalSavings are recommended as preparation for the future.
今、貯金いくらある?
informalHow much savings do you have now?
貯金率の変動は景気に大きな影響を与える。
academicFluctuations in the savings rate have a significant impact on the economy.
事業拡大のため、貯金の一部を投資に回す。
businessAllocate part of the savings to investment for business expansion.
Word Family
Common Collocations
Common Phrases
タンス貯金
cash kept at home (literally 'dresser savings')
貯金が底をつく
to run out of savings
貯金ゼロ
zero savings
Often Confused With
Yokin refers specifically to money deposited in a bank, while chokin is a more general term for saving money anywhere.
Setsuyaku means 'economizing' or 'saving' resources/money by reducing waste, whereas chokin is the actual accumulation of money.
Usage Notes
It is a very common word in daily life. While 'yokin' is the technical term used by banks, 'chokin' is used more often by individuals for their personal savings goals.
Common Mistakes
Don't use 'chokin' when you want to say 'save time' or 'save a life'; it is strictly for money. Also, remember to add 'suru' to use it as a verb.
Memory Tip
The first kanji 貯 means 'store' and the second 金 means 'money'. Think of it as 'storing gold'.
Word Origin
Derived from the characters 貯 (to store/save) and 金 (gold/money), originating from the Edo period's banking development.
Grammar Patterns
Cultural Context
In Japan, children are often encouraged to use a 'chokin-bako' (piggy bank) from a young age to learn the value of money.
Quick Quiz
留学のために、毎月3万円___しています。
Correct!
The correct answer is: 貯金
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