# Tsumitate (積立): Small, steady accumulation

> Save a fixed amount every month, automatically, and let time do the heavy lifting.

Tsumitate means building something up little by little. In Japan it is the name of a tax-free account where people invest small fixed amounts every month into low-cost funds.

The lesson works anywhere: consistency beats timing. Rs. 5,000 every month for ten years is more powerful than a perfect one-time decision, because the habit survives good months and bad ones.

In Sri Lanka, tsumitate can be a standing order to a savings account on salary day, a monthly fixed deposit, or a unit trust contribution. The tool matters less than the rhythm.

## Try it this week

- Pay yourself first on salary day
- Start small: 5% of income is enough to begin
- Increase the amount by a little every time your income rises

## How Ithuru helps

Goals with a monthly tsumitate amount, the exact sum needed to reach a date, and a progress ring that fills month by month.

Source: https://money.ideus.lk/guides/tsumitate