Salio la deni limetokana na matumizi yaliyokadiriwa ya umeme.

Literally, salio la deni is something like balance of debt or remaining amount of debt.

• salio = balance, remainder, amount left
• deni = debt
• la = the linking word meaning of, agreeing with salio

So the phrase means the debt balance or the outstanding balance of the debt.

Because the connector must agree with the first noun, not the second one.

Here, the head noun is salio, and salio belongs to noun class 5. The class-5 possessive/genitive connector is la.

So:

• salio la deni = balance of debt

Even though deni comes after it, the connector is chosen to match salio.

limetokana can be broken down like this:

• li- = subject prefix for noun class 5
• -me- = perfect tense marker
• tokana = come from, result from, arise from

So limetokana means it has resulted or it has come from.

The li- refers back to salio, because salio is a class-5 noun.

Because the subject is salio, and salio is in noun class 5.

In Swahili, verbs agree with the noun class of their subject. So if salio is the subject, the verb uses the class-5 subject marker li-:

• salio ... limetokana = the balance ... has resulted

This is one of the most important patterns in Swahili grammar: the verb must match the noun class of its subject.

Here, kutokana na is a fixed expression meaning:

• to result from
• to arise from
• to be due to

So in this sentence, na does not mean and. It is part of the expression kutokana na.

So:

• limetokana na matumizi... = it has resulted from usage...
• more natural English: it is due to usage...

Yes, matumizi belongs to noun class 6 and often behaves like a plural-form noun, but in meaning it can refer to an abstract idea such as:

• use
• usage
• consumption
• expenditure

In contexts like electricity bills, matumizi ya umeme usually means:

• electricity usage
• electricity consumption

So even though it looks plural in form, in English it is often translated as an uncountable noun.

yaliyokadiriwa means that were estimated or simply estimated.

It agrees with matumizi, which is class 6. That is why it begins with ya-.

So:

• matumizi yaliyokadiriwa ya umeme = estimated electricity usage

You can think of yaliyokadiriwa as a relative verb form compressing the idea of:

• matumizi ambayo yalikadiriwa
• usage which was estimated

In good English, we normally just say estimated usage.

Yes. A useful learner-level breakdown is:

• ya- = class-6 agreement, referring to matumizi
• -li- = past marker
• -yo- = relative marker
• kadiri = estimate
• -w- = passive
• -a = final vowel

So the overall sense is which was/were estimated.

Because matumizi is the noun being described, the whole form agrees with it.

ya umeme means of electricity.

Again, the connector agrees with the first noun, which is matumizi. Since matumizi is class 6, the connector is ya.

So:

• matumizi ya umeme = usage/consumption of electricity

This is the normal Swahili way to say electricity usage.

Because Swahili usually puts descriptive elements after the noun.

English:

• estimated electricity usage

Swahili:

• matumizi yaliyokadiriwa ya umeme

So the basic order is more like:

• usage estimated of electricity

That sounds strange in English, but it is normal in Swahili. English speakers often need time to get used to this noun-first pattern.

A natural translation would be:

• The outstanding debt balance resulted from estimated electricity usage.

Depending on context, you could also say:

• The debt balance is due to estimated electricity consumption.
• The remaining debt comes from estimated electricity use.

On a utility bill, is due to estimated electricity consumption is often the most natural-sounding English version.

It is fairly formal and typical of administrative or billing language, especially on utility statements.

Words like these are common in that context:

• salio = balance
• deni = debt
• matumizi = consumption/usage
• yaliyokadiriwa = estimated
• umeme = electricity

So a learner should recognize this as the kind of Swahili used in bills, notices, and customer-service messages rather than casual conversation.