済
サイ, セイ, す.む, ず.み, ずみ, す.まない, す.ます, す.ます, すく.う, な.す, わたし, わた.る, すむ, なり, わたる

finish, come to an end, excusable, need not

JLPT3 G6 S11 F168

As per 齊# (align) + 水 water → goods in alignment on opposite sides of a river → *ferry* (across); *cross* (a river); *pass safely* → *relieve*; *aid*; *help* (← ferry material aid) → *manage* (to do/with); *finish*; *be over/at an end* → *economic management*; *settle an account*; *pay* → *settle* (a matter). Also, *do without* (← manage to do without) and *adjust*.

[Full Kanji Etymology List]