Meaning & readings

savings, store, lay in, keep, wear mustache

On’yomi チョ
Kun’yomi た.める、たくわ.える

Origin

This character combines the radical for money or valuables—shown on the left as a picture of a shell, which was used as currency in ancient times—with a sound component on the right that tells you roughly how to pronounce it. Together they create the idea of holding onto money or goods over time, which is what "storing" or "savings" means. The shell component makes sense because storing up valuables was a natural concern for people dealing with precious items, and the sound hint helps readers know to say it as "cho."

貯 12 strokes

Components

  • 貝 radical left
  • 宁 sound hint right

A sound hint component points at the character’s pronunciation, not its meaning — don’t read a meaning into it.

Common words

  • 貯金 ちょきん putting money aside; savings
  • 貯水 ちょすい storage of water
  • 貯蔵 ちょぞう storage; preservation
  • 貯蓄 ちょちく savings
  • 郵貯 ゆうちょ postal (post-office) savings (deposit)
  • 貯水池 ちょすいち reservoir
  • 預貯金 よちょきん deposits and savings; bank account

Easily confused with

These look alike but are unrelated in meaning — check the stroke that differs.

Reference

Strokes
12
Kangxi radical
154
Formation type
Phono-semantic (meaning + sound hint)
Grade
Grade 5 (Kyōiku)
Frequency rank
#1100 (newspapers)
Former JLPT
level 2
Unicode
U+08CAF