【Saving】 refers to something preserved.

• With the new process, we realized a 【saving】 of two hours.

Use 【savings】 when referring to banks, bank accounts, and bonds.

• We opened a 【savings】 account that yields a high interest rate.
• John won a $100 【savings】 bond in the speech contest.

Note: One would never write, “a losses of $20”, so one should not write, “a 【savings】 of $20”.

• The girl invested her 【saving】 of $500 in a 【savings】 bond.

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