Umorna žena kaže da nije luda.

• umorna = tired
• žena = woman
• kaže = says
• da = that
• nije = is not
• luda = crazy / insane / mad

So the whole sentence means The tired woman says that she is not crazy.

Because they agree with žena, which is a feminine singular noun.

In Croatian, adjectives change their form to match the noun’s:

• gender
• number
• case

Since žena is feminine singular, the adjectives are also feminine singular:

• umoran → umorna
• lud → luda

Compare:

• umoran muškarac = a tired man
• umorna žena = a tired woman

Here žena is the subject of the sentence, so it is in the nominative case.

The basic subject form is:

• žena = woman (nominative)

If it were a direct object, you might see:

• vidim ženu = I see the woman

So in Umorna žena kaže..., the woman is the one doing the action of saying, so nominative žena is correct.

Kaže is the 3rd person singular present tense of the verb kazati or reći in the sense of to say.

So:

• ja kažem = I say
• ti kažeš = you say
• on/ona kaže = he/she says

Since žena = she / the woman, Croatian uses kaže:

• Žena kaže = The woman says

Da introduces a subordinate clause and often corresponds to English that.

So:

• Žena kaže da... = The woman says that...

In English, that is often optional:

• She says that she is not crazy
• She says she is not crazy

In Croatian, da is normally kept in this kind of sentence.

Nije is the standard negative form of je (is).

Croatian usually forms the negative of biti (to be) as one word:

• je = is
• nije = is not

Other examples:

• sam = am → nisam
• si = are → nisi
• smo = are → nismo

So:

• nije luda = is not crazy

Because Croatian often omits subject pronouns when they are clear from the verb form or the context.

In English, you need:

• she is not crazy

In Croatian, the subject is often understood:

• nije luda = (she) is not crazy

Here, it is obvious that the statement refers to the woman, so no separate ona (she) is necessary.

You could say:

• Umorna žena kaže da ona nije luda

but that is usually unnecessary unless you want emphasis or contrast.

Because it describes the same person as žena.

After forms of to be, Croatian still uses an adjective that agrees with the subject:

• Žena je luda = The woman is crazy
• Muškarac je lud = The man is crazy

So in the negative:

• nije luda = she is not crazy

Again, luda is feminine singular to match žena.

Croatian word order is more flexible than English, but the given sentence is the most neutral and natural order.

Standard order:

• Umorna žena kaže da nije luda.

You may also hear variations for emphasis, for example:

• Žena kaže da nije luda. = The woman says she is not crazy.
• Kaže da nije luda. = She says she is not crazy.
• Da nije luda, kaže umorna žena. = marked, poetic, or strongly contextual

So the original sentence is the best neutral version for everyday use.

It most often means crazy, mad, or insane, depending on context.

But like in English, it can sometimes be used more loosely:

• lud/luda za nekim = crazy about someone
• To je luda ideja. = That is a crazy idea.

In your sentence, the most natural meaning is:

• She is not crazy / She is not insane

Croatian has no articles like English a or the.

So:

• žena can mean a woman or the woman

The exact meaning depends on context.

In this sentence, English will usually translate it as:

• The tired woman says that she is not crazy

But in another context, it could also be:

• A tired woman says that she is not crazy

Croatian leaves that distinction to context.

A simple pronunciation guide:

• Umorna ≈ oo-MOR-na
• žena ≈ ZHEH-na
• kaže ≈ KAH-zheh
• da ≈ dah
• nije ≈ NEE-yeh
• luda ≈ LOO-dah

A rough full pronunciation:

• oo-MOR-na ZHEH-na KAH-zheh dah NEE-yeh LOO-dah

A few useful sound notes:

• ž sounds like the s in measure
• j sounds like English y
• Croatian pronunciation is generally quite phonetic: words are usually pronounced close to how they are spelled

Grammatically, you might hear something similar, but kaže is much more natural here.

• kaže = says
• govori = speaks / is speaking / talks

For reporting a statement, Croatian usually prefers:

• kaže da nije luda

Using govori with da is possible in some contexts, but it often feels less direct or less natural than kaže when you simply mean says that. So for this sentence, kaže is the best choice.