Formal:
* Mpenzi wangu: This is the most common and respectful way to say "my love." It literally translates to "my beloved."
Informal:
* Upendo wangu: This is a more affectionate way to say "my love," literally translating to "my love."
* Moyo wangu: This means "my heart" and is a very sweet and intimate way to express affection.
* Changu: This is a shorter and more informal way to say "my love" and is often used between close couples.
In addition to these translations, you can also use other expressions of endearment like:
* Pendo langu: "My love"
* Sweetheart: "Mpenzi"
The best way to choose the right expression depends on the specific situation and your relationship with the person you are talking to.