Ninataka kuokoa pesa nyingi mwaka huu.

Ninataka can be broken down like this:

• ni- = I
• -na- = present tense / ongoing action
• -taka = want

So ninataka means I want or literally I am wanting.

In Swahili, when one verb follows another verb like want, the second verb is usually put in the infinitive form.

• ku- = to
• -okoa = save

So kuokoa means to save.

That is why ninataka kuokoa means I want to save.

No. Kuokoa can mean to save in more than one sense, depending on context.

It can mean:

• to save money
• to rescue
• to save someone/something from danger

In this sentence, because it is followed by pesa (money), the meaning is clearly to save money.

Because in Swahili, adjectives normally come after the noun they describe.

So:

• pesa nyingi = much money / a lot of money
• not nyingi pesa

This is a very common pattern in Swahili:

• mtu mzuri = good person
• nyumba kubwa = big house
• pesa nyingi = a lot of money

English and Swahili do not divide things in exactly the same way.

In English, money is usually uncountable, so we say:

• much money
• a lot of money

In Swahili, pesa nyingi is the normal way to express that idea. So even if nyingi often corresponds to many/much, the natural English meaning here is a lot of money.

Because demonstratives like this usually come after the noun in Swahili.

• mwaka = year
• huu = this

So:

• mwaka huu = this year

This is another very common pattern:

• kitabu hiki = this book
• mtoto huyu = this child
• mwaka huu = this year

Huu agrees with mwaka in noun class.

Swahili demonstratives change form depending on the noun class of the noun they describe. Since mwaka belongs to a class that takes huu for this, you get:

• mwaka huu = this year

So huu is not just a random form of this. It matches the noun grammatically.

Usually, no. Swahili does not normally use articles like English a, an, and the.

So Swahili often leaves that idea to context.

For example:

• mwaka huu = this year
• pesa nyingi = a lot of money

There is no separate word that directly corresponds to English the in most everyday sentences.

The tense marker is -na-, which commonly marks the present.

So ninataka is present tense:

• I want
• I am wanting

In natural English, I want is the best translation.

A helpful way to say it is:

• ku-o-ko-a

In Swahili, vowels are usually pronounced clearly, so you should not squash them together the way English sometimes does.

Also, Swahili words are usually stressed on the second-to-last syllable. So in kuokoa, the stress falls on ko.

Yes, Swahili often allows some flexibility with time expressions.

For example, this sentence could also be rearranged in natural ways depending on emphasis. But Ninataka kuokoa pesa nyingi mwaka huu is a very normal and straightforward order.

Putting mwaka huu at the end is especially natural because it works like this year in English.

You would say:

Sitaki kuokoa pesa nyingi mwaka huu.

Here:

• sitaki = I do not want
• kuokoa = to save
• pesa nyingi = a lot of money
• mwaka huu = this year

So the main change is ninataka → sitaki.