Nitaanza kulipa deni mwezi huu.

Nitaanza breaks down into:

• ni- = I
• -ta- = future tense marker, will
• anza = begin / start

So nitaanza means I will start.

This is a very common Swahili pattern:

• nitafanya = I will do
• nitasoma = I will read
• nitaanza = I will start

After anza (start/begin), Swahili usually uses the infinitive form of the next verb, which begins with ku-.

• lipa = pay / the verb stem
• kulipa = to pay

So:

• nitaanza kulipa = I will start to pay

This is similar to English start to pay or begin paying.

Kulipa means to pay.

In this sentence, it refers to paying off the debt:

• kulipa deni = to pay a debt / to repay a debt

Depending on context, English might translate this as:

• start paying the debt
• start repaying the debt
• start paying off the debt

Swahili does not have articles like a, an, or the.

So deni can mean:

• a debt
• the debt

The exact meaning depends on context.

In this sentence, English will often use the debt if both speaker and listener already know which debt is meant.

Deni means debt.

Its plural is madeni = debts.

So:

• deni = debt
• madeni = debts

This is useful if you want to say things like:

• Nina deni. = I have a debt.
• Nina madeni mengi. = I have many debts.

Literally, mwezi huu is:

• mwezi = month
• huu = this

So it means this month.

The word huu agrees with mwezi in noun class, which is why it is huu and not some other form of this.

You can think of it as a set phrase:

• mwezi huu = this month
• mwaka huu = this year

Swahili often does not need a preposition where English uses one.

So:

• mwezi huu = this month
• Nitaanza kulipa deni mwezi huu = I will start paying the debt this month

English says this month without in too, but in some contexts English might say in this month, while Swahili still just uses mwezi huu.

Swahili time expressions are often used directly without a preposition:

• leo = today
• kesho = tomorrow
• wiki hii = this week
• mwezi huu = this month

The basic order here is:

• Nitaanza = I will start
• kulipa deni = to pay the debt
• mwezi huu = this month

So the sentence moves from the main action to the specific action, then to the time.

A natural English-style breakdown is:

• I will start
  • to pay the debt
    • this month

This word order is very normal in Swahili.

Yes, time expressions in Swahili can often move for emphasis.

For example:

• Nitaanza kulipa deni mwezi huu.
• Mwezi huu nitaanza kulipa deni.

Both are natural. The second one gives a bit more emphasis to this month.

In real usage, it often has the sense of repay a debt or pay off a debt, not just make a random payment.

So Nitaanza kulipa deni mwezi huu is often understood as:

• I’ll start repaying the debt this month
• I’ll start paying off the debt this month

But the exact nuance depends on context. If someone has a debt and will begin making payments, this sentence fits very well.

A simple pronunciation guide:

Ni-ta-an-za ku-li-pa de-ni mwe-zi hu-u

A few helpful notes:

• taanza has two vowels together: ta-a. Say both clearly.
• deni sounds roughly like deh-nee
• mwezi begins with mw-, said together
• huu has a long uu sound

A rough English-friendly approximation is:

nee-ta-AHN-za koo-LEE-pa DEH-nee MWEH-zee hoo-OO

Yes. In standard writing, nitaanza is common and correct, but you may also see nitaanza to reflect the fact that two vowels come together across the morpheme boundary:

• ni-
  • -ta-
    • anza

In ordinary learning materials, nitaanza is the usual spelling to focus on.

The important thing is that the meaning is still I will start.