Mpango wa matumizi uko wazi.

It breaks down like this:

• mpango = plan
• wa matumizi = of use / of usage / of expenditures
• uko = it is
• wazi = open / clear

So the structure is:

• noun
  • of-phrase
    • copula
      • adjective/state

A very literal reading is something like the plan of usage/expenditure is clear/open.

Because wa agrees with mpango, not with matumizi.

In Swahili, the of word changes to match the noun being described.
Here, the main noun is mpango, which belongs to noun class 3 in the singular, and class 3 uses wa in this construction.

So:

• mpango wa matumizi = plan of use/expenditure

If the head noun were plural, it would change:

• mipango ya matumizi = plans of use/expenditure

So the key idea is: the connector agrees with the first noun, not the second one.

Matumizi comes from the verb kutumia, which can mean to use or to spend/use up, depending on context.

Because of that, matumizi can mean things like:

• use
• usage
• consumption
• expenses
• expenditure / spending

In a phrase like mpango wa matumizi, the context often decides whether it is more like:

• usage plan
• spending plan
• budget plan
• plan for expenditures

So matumizi is a flexible noun whose exact sense depends on the situation.

It belongs to the ma-/class 6 pattern, which often contains:

• plural nouns
• mass nouns
• abstract nouns

That means a word in this shape does not always behave like an ordinary English plural.

So even though matumizi looks plural-like, it can refer to an abstract idea such as:

• usage
• expenditure
• expenses

Many Swahili nouns do not match English singular/plural ideas exactly, so it is best to learn matumizi as a set expression meaning something like use/expenditure(s).

Uko is the form used here for is with a class 3 singular noun like mpango.

It contains:

• u- = the subject marker for this noun class
• -ko = a form of be

So uko wazi means it is open/clear.

This is why you get:

• mpango uko wazi = the plan is clear/open
• mti uko mkubwa would not be natural, because some adjectives work differently, but mti uko wapi? = where is the tree?

In this sentence, uko is basically the part that links the subject to its state.

You sometimes can say ni wazi, but it gives a slightly different feel.

A useful shortcut is:

• ni often works for identity or general statements
• uko / iko / yuko, etc., often describe a current state or condition

So:

• mpango ni wazi can sound like the plan is clear/obvious
• mpango uko wazi can sound more like the plan is open/clear as it stands

In real usage, the difference is not always huge, but uko wazi is very natural when talking about a condition or state.

Because wazi is usually an invariable adjective. It often stays the same no matter what noun class it describes.

For example:

• mlango uko wazi = the door is open
• milango iko wazi = the doors are open
• swali liko wazi = the question is open / unresolved
• maswali yako wazi = the questions are open

Notice that wazi stays wazi.
The agreement shows up in words like uko, iko, liko, yako, not in wazi itself.

Not always. Swahili has several noun classes, and many nouns beginning with m- are not person nouns.

For example:

• mtu = person → class 1
• mti = tree → class 3
• mpango = plan → class 3

Class 1 nouns typically use agreement like:

• mtu yuko hapa = the person is here

But class 3 nouns use:

• mti uko hapa = the tree is here
• mpango uko wazi = the plan is clear/open

So the m- at the beginning does not automatically mean the noun belongs to the person class.

Because Swahili usually does not use articles the way English does.

So mpango can mean:

• a plan
• the plan

The context tells you which one is intended.

That is very normal in Swahili. English speakers often want to insert the or a, but Swahili usually leaves that unstated.

Yes. Wazi has a range of meanings, including:

• open
• clear
• plain
• obvious
• transparent

With something physical, it often means open:

• mlango uko wazi = the door is open

With something abstract, it often means clear or transparent:

• maelezo yako wazi = the explanations are clear
• mpango wa matumizi uko wazi = the spending/use plan is clear / transparent

So the exact English word depends on context.