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Life 1 · The AI Community

Wairimu Njoroge, 34

Office clerk/admin · Rural Nyanza (Siaya) · 3 kids

KES 26,500/month

💭 One income, all the responsibilities u2014 no room for error.

Swipe → for the money

The money

EarnsKES 26,500
Rent — Own homeKES 0 🏡
KitchenKES 6,890
UtilitiesKES 80
ConnectivityKES 610
TransportKES 3,300
FamilyKES 5,040
Left over: KES 7,210

Kitchen — KES 6,890/mo

Unga (maize flour)KES 860
Rice & pastaKES 430
Sukuma/mboga (mama mboga)KES 540
Milk & tea leaves (daily chai)KES 1,860
SugarKES 260
Cooking oilKES 460
Meat/omena/eggsKES 1,070
Bread & breakfastKES 460
FruitsKES 290

🔎 Yes — even the matchbox and the salt.

Debts — KES 17,500

Fuliza revolvingKES 2,500
Tala CRB-listedKES 15,000

Life 2 · The AI Community

Mwangi Githinji, 51

Security guard · Old Town, Mombasa · 3 kids

KES 16,400/month

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

Swipe → for the money

The money

EarnsKES 16,400
RentKES 9,020
KitchenKES 2,720
UtilitiesKES 660
ConnectivityKES 190
TransportKES 1,260
FamilyKES 2,930
Short every month by KES 1,040

Kitchen — KES 2,720/mo

Unga (maize flour)KES 370
Rice & pastaKES 180
Sukuma/mboga (mama mboga)KES 230
Milk & tea leaves (daily chai)KES 600
SugarKES 110
Cooking oilKES 200
Meat/omena/eggsKES 470
Bread & breakfastKES 200
FruitsKES 120

🔎 Yes — even the matchbox and the salt.

Debts — KES 800

Fuliza revolvingKES 800

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 3 · The AI Community

Ahmed Ahmed, 28

Office cleaner · Eldoret town

KES 13,200/month

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

Swipe → for the money

The money

EarnsKES 13,200
Rent — Employer housing/staff quartersKES 0 🏡
KitchenKES 2,300
UtilitiesKES 850
ConnectivityKES 340
TransportKES 2,650
PersonalKES 400
Left over: KES 3,350

Kitchen — KES 2,300/mo

Unga (maize flour)KES 260
Rice & pastaKES 90
Sukuma/mboga (mama mboga)KES 160
Milk & tea leaves (daily chai)KES 570
SugarKES 80
Cooking oilKES 130
Meat/omena/eggsKES 190
Bread & breakfastKES 90
FruitsKES 50

🔎 Yes — even the matchbox and the salt.

Debts — KES 9,238

Fuliza revolvingKES 2,500
Zenka activeKES 6,738

Making it work.

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

Saving toward: Car

Share Full life Now try YOURS →

Swipe ↑ for the next life

Life 4 · The AI Community

Barasa Barasa, 37

Public school teacher (TSC) · Nyeri town · 2 kids

KES 42,100/month

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

Swipe → for the money

The money

EarnsKES 42,100
RentKES 8,800
KitchenKES 7,930
UtilitiesKES 2,210
ConnectivityKES 1,000
TransportKES 4,440
FamilyKES 4,580
Left over: KES 4,030

Kitchen — KES 7,930/mo

Unga (maize flour)KES 630
Rice & pastaKES 420
Sukuma/mboga (mama mboga)KES 420
Milk & tea leaves (daily chai)KES 2,500
SugarKES 200
Cooking oilKES 380
Meat/omena/eggsKES 1,630
Bread & breakfastKES 530
FruitsKES 450

🔎 Yes — even the matchbox and the salt.

Life 5 · The AI Community

Halima Warsame, 34

Salonist / hairdresser · Rural Rift (Bomet) · 4 kids

KES 27,400/month

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

Swipe → for the money

The money

EarnsKES 27,400
Rent — Employer housing/staff quartersKES 0 🏡
KitchenKES 7,660
UtilitiesKES 350
ConnectivityKES 570
TransportKES 3,080
FamilyKES 6,400
Left over: KES 5,290

Kitchen — KES 7,660/mo

Unga (maize flour)KES 1,070
Rice & pastaKES 530
Sukuma/mboga (mama mboga)KES 680
Milk & tea leaves (daily chai)KES 1,680
SugarKES 320
Cooking oilKES 570
Meat/omena/eggsKES 1,340
Bread & breakfastKES 570
FruitsKES 370

🔎 Yes — even the matchbox and the salt.

Debts — KES 118,055

Fuliza revolvingKES 1,500
Branch activeKES 12,065
Mwalimu SACCO activeKES 104,490

Making it work.

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

Saving toward: Plot deposit

Share Full life Now try YOURS →

Swipe ↑ for the next life

Life 6 · The AI Community

Wangari Maina, 18

Office clerk/admin · Kibera, Nairobi

KES 41,900/month

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

Swipe → for the money

The money

EarnsKES 41,900
RentKES 3,400
KitchenKES 9,640
UtilitiesKES 4,260
ConnectivityKES 2,690
TransportKES 3,070
PersonalKES 5,800
Left over: KES 7,730

Kitchen — KES 9,640/mo

Unga (maize flour)KES 610
Rice & pastaKES 410
Sukuma/mboga (mama mboga)KES 410
Milk & tea leaves (daily chai)KES 3,540
SugarKES 190
Cooking oilKES 370
Meat/omena/eggsKES 1,570
Bread & breakfastKES 510
FruitsKES 440

🔎 Yes — even the matchbox and the salt.

Debts — KES 486,607

M-Shwari activeKES 12,079
Equity activeKES 304,207
Mwalimu SACCO activeKES 170,321

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