Kipindi cha bili kimeanza leo.

Cha is a linking word often translated as of. It has to agree with the noun before it.

Since kipindi belongs to noun class 7 (singular), the connector is cha:

• kipindi cha bili = period of billing / billing period (depending on the meaning given)

If the noun were plural, the connector would change:

• vipindi vya bili

So cha is there because of grammatical agreement with kipindi.

Kimeanza can be broken into three parts:

• ki- = subject marker agreeing with kipindi
• -me- = perfect aspect, often like has
• -anza = begin / start

So kimeanza literally means something like it has started or it has begun.

Because Swahili usually puts the subject inside the verb.

In kimeanza, the ki- already means it, referring back to kipindi. So Swahili does not need a separate pronoun here.

That is very common in Swahili:

• kimeanza = it has started
• not something like it kimeanza

Swahili normally does not use articles like a, an, or the.

So Kipindi cha bili kimeanza leo can be translated with whatever article makes sense in English:

• The billing period has started today
• A billing period has started today

The context tells you which one is intended.

No. Mbili is the normal Swahili word for two.

So in this sentence, bili should not be understood as the number two. It is a different word, matching the meaning you were already given.

A learner may notice the similarity, but:

• mbili = two
• bili = something else

Yes, leo means today, and putting it at the end is very natural in Swahili.

• Kipindi cha bili kimeanza leo. = neutral, normal order

You can also move leo earlier for emphasis:

• Leo, kipindi cha bili kimeanza.

That puts more focus on today.

Usually, -me- is best thought of as a perfect form, so kimeanza often means has started or has begun.

But in natural English translation, started may also be fine depending on context.

So both of these can work:

• has started today
• started today

The Swahili form suggests that the action is already completed and is relevant now.

If you were talking about more than one period, several words would change to match the plural noun class:

• Vipindi vya bili vimeanza leo.

Compare the singular and plural:

• kipindi → vipindi
• cha → vya
• kimeanza → vimeanza

This is a good example of how Swahili agreement works across the sentence.