عندي مشكلة في القلب.

Literally, عندي means at me or with me.

It is made of:

• عند = at / with / in the possession of
• ـي = my / me

In Arabic, possession is often expressed this way instead of using a verb like to have. So:

• عندي مشكلة = I have a problem
• literally: There is a problem at me / with me

This is completely normal Arabic, including Egyptian Arabic.

Because ـي at the end of عند already tells you the speaker is me / I.

So عندي already means I have in context.

You can say:

• أنا عندي مشكلة في القلب

but أنا is optional here. It is usually added for emphasis, contrast, or clarity. In everyday speech, عندي مشكلة في القلب is very natural.

A natural Egyptian pronunciation is:

ʿandī mushkela fel-ʔalb

You may also see it written more carefully as:

ʿandī mushkila fi l-ʔalb

A few pronunciation notes:

• ع in عندي is the Arabic letter ʿayn, a sound English does not have.
• مشكلة is often pronounced mushkela in Egyptian.
• في القلب often sounds like fel-ʔalb in fast speech.
• قلب in Egyptian usually has ق pronounced as a glottal stop ʔ, so قلب sounds like ʔalb.

Because in Egyptian Arabic, words ending in ة (taa marbuuTa) are usually pronounced with a final -a sound in pause.

So:

• مشكلة → mushkela

In more formal Arabic or careful reading, learners may see transliterations like mushkila or mushkilah, but in Egyptian everyday speech mushkela is what you will commonly hear.

مشكلة means problem.

It is an indefinite noun here, so it means:

• a problem
• an issue

So:

• عندي مشكلة = I have a problem

Because مشكلة is feminine in Arabic, if you later describe it with an adjective, that adjective would also be feminine.

Because the sentence means I have a problem, not I have the problem.

Compare:

• عندي مشكلة = I have a problem
• عندي المشكلة = I have the problem / I’m the one with the problem

In most situations, مشكلة without ال is the natural choice.

في القلب literally means in the heart.

In Arabic, especially in medical-style phrasing, it is very normal to say:

• مشكلة في القلب = a problem in the heart / a heart problem

Why not قلبي?

• قلبي = my heart
• في قلبي = in my heart

That can work in some contexts, but في القلب sounds more like talking about the organ in a general medical sense. It is a very natural way to express a heart-related health problem.

In this sentence, it most naturally sounds medical.

• عندي مشكلة في القلب would usually be understood as I have a heart problem or I have a heart condition

If someone wanted to speak emotionally or poetically, they would usually use different wording or a context that makes that clear.

So for a learner, the safest interpretation is: this is about physical health, not romance or feelings.

القلب means the heart.

It is made of:

• ال = the
• قلب = heart

In Egyptian Arabic, the ال is usually pronounced el-.

So القلب is often pronounced:

• el-ʔalb

Also, ق in Egyptian is commonly pronounced as a glottal stop ʔ, not as a hard q sound like in more formal Arabic.

So a learner may hear:

• el-ʔalb

even though it is written القلب.

It would definitely be understood.

The structure عندي مشكلة في القلب is very natural in spoken Arabic, including Egyptian Arabic. It is also widely understandable across the Arab world.

In very formal Standard Arabic, someone might also say:

• لديّ مشكلة في القلب

But in real conversation, عندي مشكلة في القلب is extremely common and natural.

So this sentence is a good, useful spoken pattern.

Yes, absolutely.

Both are correct:

• عندي مشكلة في القلب
• أنا عندي مشكلة في القلب

The version without أنا is shorter and very natural in conversation.

The version with أنا can sound:

• more explicit
• more emphatic
• useful if you are contrasting yourself with someone else

For example:

• هو عنده صداع، وأنا عندي مشكلة في القلب
• He has a headache, and I have a heart problem

Yes, you may hear that too.

Both can be used in everyday Arabic, depending on region and style:

• مشكلة في القلب
• مشكلة بالقلب

The version with في is very straightforward and easy for learners: a problem in the heart.

The version with بـ can feel more like: a problem with the heart.

For learning purposes, the sentence you have is perfectly natural and a very good one to use.

The sentence is:

• عندي = I have
• مشكلة = a problem
• في القلب = in the heart

So the structure is basically:

I-have + a problem + in the heart

Arabic often builds meaning in chunks like this, rather than matching English word-for-word.

A useful pattern to remember is:

• عندي + noun
• I have + noun

Examples:

• عندي سؤال = I have a question
• عندي فكرة = I have an idea
• عندي مشكلة = I have a problem

So this sentence is a great example of a very common everyday pattern.