אין עליי כסף עכשיו.

אין is the standard Hebrew word for there isn’t / there aren’t / not existing.

In sentences of possession, Hebrew often uses:

• יש לי... = I have...
  literally, there is to me...
• אין לי... = I don’t have...
  literally, there isn’t to me...

In your sentence, the same idea is used with עליי instead of לי:

• אין עליי כסף עכשיו = I don’t have money on me right now

So אין is doing the negative part of the sentence.

This is one of the most useful things to notice.

• אין לי כסף עכשיו = I don’t have money now
• אין עליי כסף עכשיו = I don’t have money on me right now

So עליי adds the idea of physically on my person / with me at the moment.

That means this sentence usually suggests something like:

• I may have money somewhere else
• I just don’t have any with me right now

Yes. עליי is basically:

• על = on
• -יי / -י = me

So literally it is on me.

But in everyday Hebrew, עליי can naturally mean on me / with me / on my person, depending on context.

With כסף, the meaning is very natural:

• אין עליי כסף = I don’t have money on me

Because in Hebrew, possession is usually not expressed with a separate present-tense verb like English have.

Instead, Hebrew uses an existence construction:

• יש לי כסף
  literally: there is to me money
• אין לי כסף
  literally: there isn’t to me money

So a native English speaker may want to build something like אני לא... have..., but Hebrew doesn’t work that way in the present tense.

That is why אין is the normal choice here, not a direct verb for to have.

The difference is mainly this:

• אין לי כסף עכשיו
  can mean I don’t have money right now in a broad sense
• אין עליי כסף עכשיו
  more specifically means I don’t have money on me right now

So the version with עליי is more physical and immediate.

For example:

• If someone asks you to lend them cash right now, אין עליי כסף עכשיו is very natural.
• If you mean you are generally broke, אין לי כסף עכשיו may fit better.

Literally, כסף means money.

But in this sentence, because of עליי (on me), it often feels closer to cash on me / money with me right now.

If you want to make cash completely explicit, you can say:

• אין עליי כסף מזומן עכשיו
  = I don’t have cash on me right now

So in context, כסף often implies cash, even if the word itself just means money.

Because כסף here is indefinite and general.

• כסף = money
• הכסף = the money

In this sentence, the speaker means any money, not some specific money that has already been mentioned.

So:

• אין עליי כסף עכשיו = I don’t have any money on me right now

That is why plain כסף is used.

Because Hebrew very often puts יש or אין first in this kind of sentence.

So the word order feels natural:

• אין עליי כסף עכשיו

It is not built around a subject like English I.
Instead, it is built around existence / non-existence.

You can move things for emphasis, for example:

• עכשיו אין עליי כסף = Right now, I don’t have money on me

But the original order is very normal and neutral.

Yes. עכשיו is flexible.

These are all possible, with slightly different emphasis:

• אין עליי כסף עכשיו = neutral
• עכשיו אין עליי כסף = emphasizes right now
• אין עכשיו עליי כסף = possible, but less neutral in everyday speech

So the sentence you were given is a very natural default order.

עליי is pronounced roughly a-LAI.

So the whole sentence is approximately:

ein a-LAI KE-sef akh-SHAV

A few notes:

• אין = ein
• עליי = stress on the last syllable
• עכשיו = stress on the last syllable

If you see the spelling עלי in unpointed text, it can represent the same word in many contexts, but עליי helps show the pronunciation more clearly.

Yes. It sounds natural and idiomatic.

A Hebrew speaker could definitely say:

• אין עליי כסף עכשיו

Depending on context, they might also say:

• אין לי כסף עכשיו = I don’t have money now
• אין לי כסף מזומן עכשיו = I don’t have cash right now
• אין עליי מזומן = I don’t have cash on me

So your sentence is good Hebrew, especially when the idea is not on me right now.

Yes, and that can confuse learners.

עליי can mean different things depending on context, including:

• on me
• about me
• upon me
• sometimes even it’s on me in the sense of I’ll pay

Examples:

• הוא דיבר עליי = He talked about me
• יש עליי אחריות = There is responsibility on me / I am responsible
• עליי! = It’s on me! / I’ll pay!

So in your sentence, the surrounding words make it clear that עליי means on me / with me physically.