Мой вклад небольшой, но я всё равно рада, что начала откладывать деньги.

Because вклад is a masculine noun in Russian, so it takes the masculine form of my: мой.

• мой = masculine
• моя = feminine
• моё = neuter
• мои = plural

So:

• мой вклад
• моя книга
• моё письмо

A good habit is to learn each noun together with its gender.

Вклад can mean a few related things, depending on context:

• contribution
• deposit
• amount put in / invested / set aside

In this sentence, because of начала откладывать деньги, it most naturally suggests the amount I’m putting aside or my savings contribution, rather than a more abstract contribution.

So the word is flexible, and context tells you which shade of meaning is intended.

Here небольшой is a normal adjective meaning small or not very large, so it is written as one word.

• небольшой = small / modest

If you wanted a strong contrast, you might write it separately:

• не большой, а маленький

But in this sentence, the speaker is simply describing the contribution as modest, so небольшой is the natural form.

In Russian, the verb to be in the present tense is usually omitted.

So where English says:

• My contribution is small

Russian simply says:

• Мой вклад небольшой

This is completely normal. Russian often leaves out is / am / are in present-tense statements.

Всё равно is a very common expression meaning:

• anyway
• all the same
• even so
• regardless

In this sentence, it shows contrast with the first part:

• the contribution is small, but the speaker is still glad

So но я всё равно рада means something like but I’m still glad anyway.

It is a fixed expression, so it is best to learn it as a chunk.

Рад / рада is the short form of the adjective meaning glad.

It changes for gender:

• рад = masculine
• рада = feminine
• рады = plural

Since the speaker says я рада, the speaker is female.

This matches another clue later in the sentence: начала, which is also feminine past tense.

Начала is the past tense feminine singular form of начать (to begin).

Russian past tense agrees with the subject in gender and number:

• я начал = I began (male speaker)
• я начала = I began (female speaker)
• они начали = they began

So что начала откладывать деньги means the speaker is female and is saying that she began to save money.

After начать (to begin), Russian often uses the imperfective infinitive to describe the start of an ongoing or repeated activity.

• начать читать = to begin reading
• начать работать = to begin working
• начать откладывать деньги = to begin saving money

Here, откладывать деньги suggests a process or habit: setting money aside over time.

If you used the perfective отложить, it would sound more like a single completed act of putting something aside, which is not the main idea here.

Russian often expresses save money as откладывать деньги, literally to put money aside.

This is a very natural and common phrase. It emphasizes the action of regularly setting money aside.

Other possible expressions exist, but откладывать деньги is one of the most standard ways to talk about personal saving.

In Russian, деньги (money) is a plural-only noun in normal usage.

So even though English uses money as a singular mass noun, Russian treats it grammatically as plural:

• деньги лежат
• откладывать деньги

In this sentence, деньги is in the accusative plural, but for an inanimate plural noun like this, the accusative looks the same as the nominative.

Что introduces a subordinate clause, like that in English.

So:

• Я рада, что... = I’m glad that...

This is a very common pattern in Russian:

• Я рад, что ты пришёл.
• Она рада, что начала учиться.

So in your sentence, что начала откладывать деньги explains what the speaker is glad about.

The word order is natural, but Russian word order is more flexible than English.

This sentence flows like this:

• Мой вклад небольшой — statement
• но — contrast
• я всё равно рада — emotional reaction
• что начала откладывать деньги — reason for that reaction

You could move things around in some contexts for emphasis, but the given order sounds smooth and idiomatic.

For example, putting всё равно where it is makes the contrast especially clear:

• but I’m still glad anyway