How to say "Accumulate" in Japanese

When translating "accumulate" into Japanese, you must choose carefully between たまる and 溜め込む. In Japanese, たまる (たまる (tamaru)) is typically associated with "to accumulate; to pile up; to collect" (Syllabus Level: N3) and represents An intransitive verb used for things like dust, stress, work, or money accumulating or piling up naturally or over time. The transitive form is 貯める/溜める. On the other hand, 溜め込む (ためこむ (tamekomu)) maps to "to accumulate, to hoard, to save up (money, stress)" (Syllabus Level: N2) and represents Implies accumulating a large amount, often more than necessary, or holding onto things. A literal translation of "accumulate" can often sound unnatural to native Japanese speakers if mixed up!