The difference between 积累 and 积蓄
Both verbs have the meaning “to accumulate”, but they are usually used in different contexts.
The verb 积累
积累 
is used to indicate the accumulation of finances, experience, knowledge and materials.
is used to indicate the accumulation of finances, experience, knowledge and materials.Examples
我只想在那里积累一些有用的经验
I just want to build up some useful experience there
wǒ zhǐ xiǎng zài nàlǐ jīlěi yìxiē yǒuyòng de jīngyàn
我们清除了多年积累的灰尘
We have cleaned up the dust that had been accumulating for years
wǒmen qīngchú le duōnián jīlěi de huīchén
她投资精明，积累了一笔财富
She invested wisely and amassed a fortune
tā tóuzī jīngmíng, jīlěi le yì bǐ cáifù
积蓄 often comes with these words:
知识
经验
学问
文化
资料
经验
学问
文化
资料 The verb 积蓄
积蓄 is often used to indicate the accumulation of savings, strength or energy.
is often used to indicate the accumulation of savings, strength or energy.Examples
他为儿子积蓄了一大笔钱
He saved a lot of money for his son
tā wèi érzi jīxù le yí dà bǐ qián
所有的运动员都为最后一百米的冲刺积蓄了力量
All athletes save their strength for the last 100 meters
suǒyǒu de yùndòngyuán dōu wèi zuìhòu yìbǎi mǐ de chōngcì jīxù le lìliàng
我用尽积蓄了整整两年的所有感情亲吻着她
I kissed her with all the tenderness that I’d been holding in for two years
wǒ yòng jìn jīxù le zhěngzhěng liǎng nián de suǒyǒu gǎnqíng qīnwěnzhe tā
积蓄 often comes with these words:
能量 (in physics)
力量
精力
情感
钱
(in physics)
力量
精力
情感
钱 积蓄 as a noun
积蓄 can also be a noun meaning "savings".
Examples
她把所有的积蓄都骗出来了
He got all his savings by cheating
tā bǎ suǒyǒu de jīxù dōu piàn chūlái le
我用自己的积蓄赔偿了损失
I used my savings to make up for the loss
wǒ yòng zìjǐ de jīxù péicháng le sǔnshī