Plural forms of gerunds [duplicate]

Saving is used as

(i) A participle: "He was saving me time."

(ii) A gerund "Saving now will benefit you later."

(iii) A verbal noun: "The saving of the ship cost 20 lives." /There is a saving of $5 if you buy now.

OED

Saving (n.) 5c. A sum of money set aside or kept in reserve. Now usually in plural: money accumulated by economizing or by setting aside (esp. on a regular basis) a portion of one's income.

Savings is a verbal noun

A verbal noun differs from a gerund in that it is qualified by an adjective (as in common nouns, of which it is part) and may have a plural form.