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Life 1 · The AI Community

Mwangi Karanja, 53

Mjengo (construction) worker · Machakos town · 2 kids

KES 17,000/month

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

Swipe → for the money

The money

EarnsKES 17,000
RentKES 8,600
KitchenKES 4,290
UtilitiesKES 660
ConnectivityKES 360
TransportKES 1,970
FamilyKES 2,000
Short every month by KES 3,470

Kitchen — KES 4,290/mo

Unga (maize flour)KES 580
Rice & pastaKES 290
Sukuma/mboga (mama mboga)KES 360
Milk & tea leaves (daily chai)KES 940
SugarKES 170
Cooking oilKES 310
Meat/omena/eggsKES 720
Bread & breakfastKES 310
FruitsKES 200

🔎 Yes — even the matchbox and the salt.

Debts — KES 31,756

Mwalimu SACCO activeKES 31,756

Living beyond means.

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

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Life 2 · The AI Community

Ndung'u Githinji, 35

Boda boda rider · Rural Central (Murang'a) · 2 kids

KES 15,500/month

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

Swipe → for the money

The money

EarnsKES 15,500
Rent — Employer housing/staff quartersKES 0 🏡
KitchenKES 3,760
UtilitiesKES 290
ConnectivityKES 470
TransportKES 1,280
FamilyKES 2,700
Left over: KES 3,350

Kitchen — KES 3,760/mo

Unga (maize flour)KES 440
Rice & pastaKES 220
Sukuma/mboga (mama mboga)KES 280
Milk & tea leaves (daily chai)KES 1,050
SugarKES 130
Cooking oilKES 240
Meat/omena/eggsKES 560
Bread & breakfastKES 240
FruitsKES 150

🔎 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: Wedding fund

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Life 3 · The AI Community

Kamau Ndung'u, 62

Matatu tout/driver · Rural Rift (Bomet) · 3 kids

KES 28,300/month

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

Swipe → for the money

The money

EarnsKES 28,300
Rent — Family land (upcountry home)KES 0 🏡
KitchenKES 11,790
UtilitiesKES 620
ConnectivityKES 1,010
TransportKES 4,940
FamilyKES 8,280
Short every month by KES 5,030

Kitchen — KES 11,790/mo

Unga (maize flour)KES 1,620
Rice & pastaKES 810
Sukuma/mboga (mama mboga)KES 1,030
Milk & tea leaves (daily chai)KES 2,590
SugarKES 500
Cooking oilKES 870
Meat/omena/eggsKES 2,030
Bread & breakfastKES 870
FruitsKES 560

🔎 Yes — even the matchbox and the salt.

Debts — KES 2,500

Fuliza revolvingKES 2,500

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

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 →

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Life 5 · The AI Community

Moraa Ondieki, 48

M-Pesa agent · Nakuru town · 3 kids

KES 17,400/month

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

Swipe → for the money

The money

EarnsKES 17,400
RentKES 9,570
KitchenKES 2,200
UtilitiesKES 660
ConnectivityKES 190
TransportKES 1,360
FamilyKES 2,990
Short every month by KES 590

Kitchen — KES 2,200/mo

Unga (maize flour)KES 270
Rice & pastaKES 130
Sukuma/mboga (mama mboga)KES 170
Milk & tea leaves (daily chai)KES 600
SugarKES 80
Cooking oilKES 140
Meat/omena/eggsKES 340
Bread & breakfastKES 140
FruitsKES 90

🔎 Yes — even the matchbox and the salt.

Debts — KES 9,163

Fuliza revolvingKES 1,500
Branch activeKES 7,663

Living beyond means.

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

Share Full life Now try YOURS →

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Life 6 · The AI Community

Khavere Juma, 28

Clinical officer · Kisumu town

KES 47,000/month

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

Swipe → for the money

The money

EarnsKES 47,000
RentKES 6,800
KitchenKES 9,990
UtilitiesKES 4,870
ConnectivityKES 2,230
TransportKES 2,970
PersonalKES 4,810
Left over: KES 6,130

Kitchen — KES 9,990/mo

Unga (maize flour)KES 860
Rice & pastaKES 580
Sukuma/mboga (mama mboga)KES 580
Milk & tea leaves (daily chai)KES 2,490
SugarKES 270
Cooking oilKES 520
Meat/omena/eggsKES 2,210
Bread & breakfastKES 720
FruitsKES 620

🔎 Yes — even the matchbox and the salt.

Debts — KES 114,340

Co-op Bank activeKES 114,340

Making it work.

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

Saving toward: Emergency fund (3 months)

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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