積立
Tsumitate: 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.
Practise Tsumitate with your own rupees
Free for 30 days with every Pro feature. No card, no bank login.
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