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Life 1 · The AI Community

Kamau Ndung'u, 62

KDF soldier · Nakuru town · 3 kids

KES 56,300/month

💭 Health costs eat a fixed slice before anything else moves.

Swipe → for the money

The money

EarnsKES 56,300
RentKES 10,200
KitchenKES 10,400
UtilitiesKES 2,870
ConnectivityKES 1,310
TransportKES 4,890
FamilyKES 11,410
Left over: KES 10,650

Kitchen — KES 10,400/mo

Unga (maize flour)KES 960
Rice & pastaKES 650
Sukuma/mboga (mama mboga)KES 650
Milk & tea leaves (daily chai)KES 2,570
SugarKES 310
Cooking oilKES 590
Meat/omena/eggsKES 2,480
Bread & breakfastKES 800
FruitsKES 700

🔎 Yes — even the matchbox and the salt.

Debts — KES 176,739

Mwalimu SACCO activeKES 176,739

Life 2 · The AI Community

Wanyonyi Shikuku, 42

Duka/shop owner · Nyali, Mombasa · 4 kids

KES 31,100/month

💭 Every term opening is a crisis u2014 fees are found, but always at a cost.

Swipe → for the money

The money

EarnsKES 31,100
RentKES 17,105
KitchenKES 6,950
UtilitiesKES 790
ConnectivityKES 440
TransportKES 4,590
FamilyKES 4,880
Short every month by KES 5,745

Kitchen — KES 6,950/mo

Unga (maize flour)KES 970
Rice & pastaKES 480
Sukuma/mboga (mama mboga)KES 610
Milk & tea leaves (daily chai)KES 1,530
SugarKES 290
Cooking oilKES 520
Meat/omena/eggsKES 1,210
Bread & breakfastKES 520
FruitsKES 330

🔎 Yes — even the matchbox and the salt.

Living beyond means.

🔎 Tap Kitchen u2192 it accounts even the 20-bob matchbox and the salt.

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Swipe ↑ for the next life

Life 3 · The AI Community

Cheruiyot Langat, 57

Police officer · Eldoret town · 3 kids

KES 45,600/month

💭 Sends money home every month without fail; own savings keep stalling.

Swipe → for the money

The money

EarnsKES 45,600
Rent — Own homeKES 0 🏡
KitchenKES 11,510
UtilitiesKES 3,300
ConnectivityKES 1,510
TransportKES 5,620
FamilyKES 13,120
Short every month by KES 1,450

Kitchen — KES 11,510/mo

Unga (maize flour)KES 960
Rice & pastaKES 650
Sukuma/mboga (mama mboga)KES 650
Milk & tea leaves (daily chai)KES 3,480
SugarKES 310
Cooking oilKES 580
Meat/omena/eggsKES 2,480
Bread & breakfastKES 800
FruitsKES 690

🔎 Yes — even the matchbox and the salt.

Living beyond means.

🔎 Tap Kitchen u2192 it accounts even the 20-bob matchbox and the salt.

Share Full life Now try YOURS →

Swipe ↑ for the next life

Life 4 · The AI Community

Barasa Wanjala, 30

Police officer · Old Town, Mombasa · 3 kids

KES 43,000/month

💭 Sends money home every month without fail; own savings keep stalling.

Swipe → for the money

The money

EarnsKES 43,000
RentKES 11,300
KitchenKES 7,540
UtilitiesKES 2,080
ConnectivityKES 950
TransportKES 3,370
FamilyKES 11,120
Left over: KES 10

Kitchen — KES 7,540/mo

Unga (maize flour)KES 700
Rice & pastaKES 470
Sukuma/mboga (mama mboga)KES 470
Milk & tea leaves (daily chai)KES 1,870
SugarKES 220
Cooking oilKES 420
Meat/omena/eggsKES 1,800
Bread & breakfastKES 580
FruitsKES 500

🔎 Yes — even the matchbox and the salt.

Life 5 · The AI Community

Ahmed Yusuf, 40

Police officer · Kasarani, Nairobi · 3 kids

KES 34,600/month

💭 Every term opening is a crisis u2014 fees are found, but always at a cost.

Swipe → for the money

The money

EarnsKES 34,600
RentKES 15,900
KitchenKES 6,910
UtilitiesKES 900
ConnectivityKES 490
TransportKES 4,200
FamilyKES 4,110
Short every month by KES 2,990

Kitchen — KES 6,910/mo

Unga (maize flour)KES 950
Rice & pastaKES 470
Sukuma/mboga (mama mboga)KES 600
Milk & tea leaves (daily chai)KES 1,520
SugarKES 290
Cooking oilKES 510
Meat/omena/eggsKES 1,190
Bread & breakfastKES 510
FruitsKES 330

🔎 Yes — even the matchbox and the salt.

Debts — KES 152,200

Zenka activeKES 10,123
Stima SACCO activeKES 142,077

Living beyond means.

🔎 Tap Kitchen u2192 it accounts even the 20-bob matchbox and the salt.

Share Full life Now try YOURS →

Swipe ↑ for the next life

Life 6 · The AI Community

Kariuki Njoroge, 26

Security guard · Kibera, Nairobi · 1 kid

KES 15,500/month

💭 Sends money home every month without fail; own savings keep stalling.

Swipe → for the money

The money

EarnsKES 15,500
RentKES 4,400
KitchenKES 4,460
UtilitiesKES 460
ConnectivityKES 360
TransportKES 1,610
FamilyKES 1,130
Left over: KES 10

Kitchen — KES 4,460/mo

Unga (maize flour)KES 590
Rice & pastaKES 290
Sukuma/mboga (mama mboga)KES 370
Milk & tea leaves (daily chai)KES 980
SugarKES 180
Cooking oilKES 310
Meat/omena/eggsKES 730
Bread & breakfastKES 310
FruitsKES 200

🔎 Yes — even the matchbox and the salt.

Debts — KES 1,500

Fuliza revolvingKES 1,500

Making it work.

🔎 Tap Kitchen u2192 it accounts even the 20-bob matchbox and the salt.

Saving toward: Business capital

Share Full life Now try YOURS →

Swipe ↑ for the next life

How do Kenyans actually live on their income? 1,000 real lives, itemized.

Fanikiwa is an AI-powered Community by QQ Africa documenting the real cost of daily life in Kenya — every earning bracket from KES 3,000 to 500,000+, every town from Kibera to Karen to rural Kitui, every family shape including no-rent homes, two-household families, single parents and members living with disability. Each life is itemized down to the matchbox: rent, KPLC tokens, water, the daily chai, school fees, diapers for the under-4s, chama, black tax, Fuliza loops, CRB listings — and the honest month-end number.

1

Watch the reels

Swipe through real lives above — story, money, kitchen, debts, verdict. Or browse every life as a page.

2

Try yours — no sign-up

Open the app, slide your bracket, and build your own plan with a pseudo name. Your data stays on your device.

3

Unlock your coach

One M-Pesa STK push unlocks unlimited tracking, the AI coach, CRB clearance planning and human experts.

Cost of living, town by town

Questions people ask

How much does it cost to live on KES 25,000 a month in Nairobi?

It depends on rent and family size — in the Community, a salonist on 25,000 in Kariobangi with two kids typically pays about 6,500 rent, spends 6,000–8,000 on an itemized kitchen (unga, sukuma, milk for chai, oil, down to the 20-bob matchbox), and finishes the month within a few hundred shillings of zero. Browse real 15–25k lives to see the full breakdowns.

Is Fanikiwa free?

Yes — watching the reels, browsing all 1,000 lives and building your own starter plan needs no account and no payment. Fanikiwa Plus (unlimited tracking, the AI coach, CRB clearance planning and expert sessions) is unlocked with a single M-Pesa STK push.

Are these real people?

They are representative, statistically realistic profiles generated from real Kenyan price and lifestyle data — real brackets, real costs, no identifiable individuals. Your own data stays private on your device unless you opt into anonymized research.

Can Fanikiwa help me clear a CRB listing?

The app includes a CRB clearance planner: it tracks the defaulted loan, builds the repayment path, and walks you through asking the lender to update the bureau. For regulated advice you can book a vetted expert inside the app.

Need help? Chat with us