Recuperamos el dinero.

It comes from the infinitive recuperar, which means to recover, to get back, or to regain, depending on context.

In this sentence, recuperamos is the first person plural form, so it goes with we.

Because the ending -amos tells you the subject is nosotros/nosotras (we) for an -ar verb.

So:

• recupero = I recover
• recuperas = you recover
• recupera = he/she recovers
• recuperamos = we recover / we recovered
• recuperáis = you all recover (Spain)
• recuperan = they recover

Spanish often shows the subject through the verb ending, so you usually do not need to say nosotros.

Spanish often drops subject pronouns when the verb form already makes the subject clear.

So Recuperamos el dinero is perfectly natural and already means we recover / we recovered the money.

You could say Nosotros recuperamos el dinero, but that usually adds emphasis, contrast, or clarity, for example:

• Nosotros recuperamos el dinero, no ellos.
  We recovered the money, not them.

It can be either, depending on context.

For many -ar verbs, the nosotros form is the same in:

• present: we recover
• preterite: we recovered

So Recuperamos el dinero could mean:

• We recover the money
• We recovered the money

Only the wider context tells you which one is intended.

For example:

• Cada vez que hay un error, recuperamos el dinero.
  This sounds like present / habitual.

• Ayer recuperamos el dinero.
  This is clearly past because of ayer (yesterday).

Because dinero is a noun, and here it refers to the money in a specific sense.

So:

• el dinero = the money
• dinero = money in a more general sense

Compare:

• Recuperamos el dinero.
  We recovered the money. (specific money)

• Necesitamos dinero.
  We need money. (money in general)

Also, dinero is a masculine singular noun, so it takes el.

In Spanish, dinero is normally treated as an uncountable singular noun, just like money in English.

So you say:

• el dinero
• mucho dinero
• poco dinero

Not usually a plural like dineros in normal everyday use.

Yes. In many everyday situations, recuperar is very naturally translated as get back.

So Recuperamos el dinero could also be understood as:

• We got the money back

That is often the most natural English translation in contexts involving refunds, losses, or stolen property.

Not normally by itself.

Recuperamos is the simple present or simple past form, not the progressive form.

If you specifically want we are recovering the money, Spanish would usually say:

• Estamos recuperando el dinero.

That said, Spanish uses the simple present more broadly than English in some contexts, but the direct equivalent of are recovering is still estamos recuperando.

A simple pronunciation guide is:

reh-koo-peh-RAH-mos el dee-NEH-ro

A few points:

• The stress in recuperamos falls on -ra-: recupeRAmos
• The r in recuperamos is a light tapped r
• In dinero, the stress falls on -ne-: diNEro
• The d in Spanish is softer than in English, especially between vowels

Yes, that is grammatically correct.

But in ordinary Spanish, the version without the pronoun is usually more natural:

• Recuperamos el dinero.

Adding nosotros is usually for:

• emphasis
• contrast
• avoiding ambiguity

So both are correct, but the shorter version is the default in most cases.

The most neutral word order is:

• Recuperamos el dinero.

Spanish word order is more flexible than English, but not every variation sounds equally natural in every context.

For example, you might move parts around for emphasis:

• El dinero lo recuperamos.
  The money, we got it back.

That version adds emphasis and often uses lo. For a simple neutral statement, Recuperamos el dinero is the best pattern to learn first.