| Simple | Progressive | Perfect | Progressive |
| Present |
| I accumulate |
| you accumulate |
| he/she/it accumulates |
| we accumulate |
| you all accumulate |
| they accumulate |
|
| I am accumulating |
| you are accumulating |
| he/she/it is accumulating |
| we are accumulating |
| you all are accumulating |
| they are accumulating |
|
| I have accumulated |
| you have accumulated |
| he/she/it has accumulated |
| we have accumulated |
| you all have accumulated |
| they have accumulated |
|
| I have been accumulating |
| you have been accumulating |
| he/she/it has been accumulating |
| we have been accumulating |
| you all have been accumulating |
| they have been accumulating |
|
| Past |
| I accumulated |
| you accumulated |
| he/she/it accumulated |
| we accumulated |
| you all accumulated |
| they accumulated |
|
| I was accumulating |
| you were accumulating |
| he/she/it was accumulating |
| we were accumulating |
| you all were accumulating |
| they were accumulating |
|
| I had accumulated |
| you had accumulated |
| he/she/it had accumulated |
| we had accumulated |
| you all had accumulated |
| they had accumulated |
|
| I had been accumulating |
| you had been accumulating |
| he/she/it had been accumulating |
| we had been accumulating |
| you all had been accumulating |
| they had been accumulating |
|
| Future |
| I will accumulate |
| you will accumulate |
| he/she/it will accumulate |
| we will accumulate |
| you all will accumulate |
| they will accumulate |
|
| I will be accumulating |
| you will be accumulating |
| he/she/it will be accumulating |
| we are accumulating |
| you all will be accumulating |
| they will be accumulating |
|
| I will have accumulated |
| you will have accumulated |
| he/she/it will have accumulated |
| we will have accumulated |
| you all will have accumulated |
| they will have accumulated |
|
| I will have been accumulating |
| you will have been accumulating |
| he/she/it will have been accumulating |
| we will have been accumulating |
| you all will have been accumulating |
| they will have been accumulating |
|
