<prompt> Translate the following text to Swahili1, realized gains do not count as personal income, but any taxes paid on such gains reduce disposable personal income and thus saving.  <response>: Mapato ya kweli hayahesabiwi kama mapato ya kibinafsi, lakini kodi yoyote iliyolipwa juu ya mapato hayo hupunguza mapato ya kibinafsi na hivyo kuokoa. 