عندي فاتورة كهربا لازم ادفعها النهارده.

عندي literally means at me or with me.

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

• عندي فاتورة = I have a bill
• literally: There is a bill at me / with me

This is a very common structure in Arabic. You will hear it with all kinds of things:

• عندي عربية = I have a car
• عندها وقت = She has time
• عندهم مشكلة = They have a problem

So in this sentence, عندي is the normal way to say I have.

Yes. فاتورة كهربا means electricity bill.

This is a noun + noun-type combination that works a bit like electricity bill in English:

• فاتورة = bill, invoice
• كهربا = electricity

So:

• فاتورة كهربا = electricity bill
• literally something like bill of electricity

In Egyptian Arabic, كهربا is the everyday spoken form. In more formal Arabic, you would often see كهرباء instead.

Similar examples:

• فاتورة مية = water bill
• فاتورة تليفون = phone bill
• فاتورة غاز = gas bill

Both mean electricity, but they belong to different registers.

• كهربا = everyday Egyptian spoken Arabic
• كهرباء = more formal / MSA-style form

In casual Egyptian speech, كهربا is much more natural. So in a sentence like this, فاتورة كهربا sounds very normal and native.

You might see كهرباء in:

• formal writing
• news
• official documents
• school-style Modern Standard Arabic

But in daily conversation, كهربا is what many Egyptians would say.

لازم here means must, have to, or need to.

So:

• لازم ادفعها = I have to pay it / I must pay it

It is one of the most common ways in Egyptian Arabic to express necessity.

A few examples:

• لازم أروح = I have to go
• لازم نذاكر = We need to study
• لازم تنام بدري = You have to sleep early

Depending on context, لازم can sound like:

• strong necessity: must
• practical necessity: have to
• advice: need to / should really

So in this sentence, لازم naturally means the speaker needs to pay the bill today.

Because the ها at the end means it and refers back to the bill.

Break it down:

• ادفع = I pay / I should pay / I will pay, depending on context
• ها = it (for a feminine noun)

So:

• ادفعها = I pay it / pay it

Since فاتورة is a feminine noun, the attached object pronoun is ها.

This is very common in Arabic. Instead of saying a separate word for it, Arabic often attaches the object pronoun directly to the verb.

Examples:

• شفتها = I saw her / I saw it (feminine)
• عرفتها = I knew it / found it out (feminine object)
• دفعتها = I paid it

Here, ها refers to فاتورة.

Because فاتورة is a feminine noun.

In Arabic, nouns have grammatical gender, and pronouns often match that gender. Since فاتورة is feminine, the object pronoun used to refer to it is ها.

So:

• فاتورة = a feminine noun
• ادفعها = pay it where it refers to that feminine noun

If the noun were masculine, you would usually use ـه instead.

For example:

• عندي كتاب لازم أقرأه = I have a book that I need to read
  Here كتاب is masculine, so you get أقرأه = read it.

It can be used, but it is often omitted because the meaning is already clear.

In Egyptian Arabic, subject pronouns like أنا are frequently dropped when they are understood from context or from the verb form.

So all of these are possible:

• عندي فاتورة كهربا لازم ادفعها النهارده
• أنا عندي فاتورة كهربا لازم ادفعها النهارده

The version without أنا sounds very natural.

Also, the verb ادفع already shows first person singular in context, so the sentence does not need an explicit أنا.

You might add أنا for:

• emphasis
• contrast
• clarification

For example:

• أنا لازم ادفعها النهارده، مش بكرة = I have to pay it today, not tomorrow

In Egyptian Arabic, the form ادفع here is the first-person singular form of the verb to pay.

The base verb is related to دفع = to pay.

In the present tense:

• أدفع in more careful writing
• often written as ادفع in informal Arabic text without the hamza

So ادفع means I pay or I will pay / should pay, depending on context.

Because it comes after لازم, the meaning becomes:

• لازم ادفع = I have to pay

That is why ادفعها means I have to pay it.

Because Arabic word order is flexible, and putting time expressions at the end is very common.

So:

• لازم ادفعها النهارده = I have to pay it today

This sounds very natural in Egyptian Arabic.

You could also hear:

• النهارده لازم ادفعها = Today I have to pay it

That version gives a little more emphasis to today.

So the time word can move around, but placing النهارده at the end is completely normal.

النهارده means today in Egyptian Arabic.

It is a very common Egyptian colloquial word. A native speaker learning Egyptian will hear it all the time.

In other varieties or in more formal Arabic, you may see:

• اليوم = today in MSA
• different colloquial forms in different dialects

In Egyptian, common time words include:

• النهارده = today
• بكرة = tomorrow
• امبارح = yesterday

So النهارده is the natural spoken Egyptian choice here.

It is clearly colloquial Egyptian Arabic.

Signs of that include:

• كهربا instead of formal كهرباء
• النهارده instead of formal اليوم
• the overall conversational style

You would definitely hear this in everyday speech, texting, chat messages, or informal social media writing.

In formal written Arabic, a more standard version might look quite different, for example using MSA vocabulary and grammar.

So this sentence is best understood as natural spoken Egyptian, possibly written informally as people speak.

Yes, absolutely. That is one of the most common patterns.

The structure is:

• لازم + present-tense verb

Examples:

• لازم أروح = I have to go
• لازم نشتري أكل = We need to buy food
• لازم تكلّمه = You have to talk to him

So:

• لازم ادفعها = I have to pay it

This is standard and very common in Egyptian speech.

A natural Egyptian-style pronunciation would be roughly:

ʿandī fātūret kahraba lāzem adfaʿha en-naharda

A few helpful notes:

• عندي = ʿandī
• فاتورة often sounds like fātūra or fātūret depending on connection
• كهربا = kahraba
• لازم = lāzem
• ادفعها = adfaʿha
• النهارده = en-naharda or in-naharda

In connected speech, speakers often link words smoothly, so فاتورة كهربا may sound a bit like fātūret kahraba.

This happens because of how words connect in spoken Arabic, especially in noun combinations.

When فاتورة is followed by another noun, speakers may pronounce it in a connected way that sounds like:

• فاتورة كهربا
• or more naturally in flow: فاتورت كهربا

This does not mean the word has changed in meaning. It is just a pronunciation effect in connected speech.

Learners often notice this in Egyptian Arabic, where word endings may sound a bit different when the next word starts immediately after them.

So if you hear something like fātūret kahraba, that is still just electricity bill.

Yes, sometimes, but the meaning shifts slightly.

• لازم ادفعها النهارده = I have to pay it today
• محتاج ادفعها النهارده = I need to pay it today

Both are possible, but لازم often sounds a bit more like obligation or necessity, while محتاج sounds more like I need to.

So:

• لازم = must / have to
• محتاج = need to

In this sentence, لازم is a very natural choice if the speaker is stressing that the payment really has to happen today.

Yes. Egyptian Arabic allows some flexibility in word order.

For example:

• عندي فاتورة كهربا لازم ادفعها النهارده
• لازم ادفع فاتورة الكهربا النهارده
• النهارده لازم ادفع فاتورة الكهربا
• أنا عندي فاتورة كهربا لازم ادفعها النهارده

These all express roughly the same idea, though the emphasis can shift:

• starting with النهارده emphasizes today
• starting with لازم emphasizes the obligation
• adding أنا emphasizes the speaker

So the original sentence is natural, but not the only possible order.

Yes, there can be a small difference in how specific it sounds.

• فاتورة كهربا = an electricity bill / electricity bill
• فاتورة الكهربا = the electricity bill

In real conversation, both can work depending on context.

If the listener already knows which bill you mean, فاتورة الكهربا may sound more specific.
If you are just introducing it as one type of bill, فاتورة كهربا is very natural.

In your sentence, عندي فاتورة كهربا works perfectly as I have an electricity bill.

Yes. It sounds very natural in everyday Egyptian Arabic.

It has several features typical of real spoken language:

• عندي for I have
• كهربا for electricity
• لازم for have to
• النهارده for today
• attached pronoun ها in ادفعها

So this is exactly the kind of sentence you might hear in ordinary conversation, not just a textbook example.