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Life 1 · The AI Community

Kathure Mutuma, 44

Duka/shop owner · Umoja, Nairobi · 3 kids

KES 35,900/month

💭 Committed to two chamas; contributions compete with essentials.

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The money

EarnsKES 35,900
RentKES 13,100
KitchenKES 4,980
UtilitiesKES 790
ConnectivityKES 440
TransportKES 2,860
FamilyKES 3,500
Left over: KES 6,570

Kitchen — KES 4,980/mo

Unga (maize flour)KES 620
Rice & pastaKES 310
Sukuma/mboga (mama mboga)KES 390
Milk & tea leaves (daily chai)KES 1,340
SugarKES 190
Cooking oilKES 330
Meat/omena/eggsKES 770
Bread & breakfastKES 330
FruitsKES 210

🔎 Yes — even the matchbox and the salt.

Debts — KES 134,513

Branch CRB-listedKES 15,000
Unaitas activeKES 119,513

Life 2 · The AI Community

Rehema Juma, 59

Clinical officer · Umoja, Nairobi · 4 kids

KES 59,800/month

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

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The money

EarnsKES 59,800
RentKES 16,000
KitchenKES 13,730
UtilitiesKES 2,260
ConnectivityKES 1,020
TransportKES 4,220
FamilyKES 12,310
Left over: KES 2,800

Kitchen — KES 13,730/mo

Unga (maize flour)KES 1,280
Rice & pastaKES 870
Sukuma/mboga (mama mboga)KES 870
Milk & tea leaves (daily chai)KES 3,400
SugarKES 410
Cooking oilKES 780
Meat/omena/eggsKES 3,320
Bread & breakfastKES 1,080
FruitsKES 930

🔎 Yes — even the matchbox and the salt.

Debts — KES 471,378

KCB activeKES 282,498
Stima SACCO activeKES 188,880

Making it work.

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

Saving toward: School fees runway

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Life 3 · The AI Community

Wafula Makokha, 41

Fisherman (lake/coast) · Rural Coast (Kilifi) · 2 kids

KES 21,400/month

💭 Pays no rent, yet the money still disappears u2014 leaks, not bills.

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The money

EarnsKES 21,400
Rent — Employer housing/staff quartersKES 0 🏡
KitchenKES 3,870
UtilitiesKES 70
ConnectivityKES 490
TransportKES 1,940
FamilyKES 6,970
Left over: KES 1,270

Kitchen — KES 3,870/mo

Unga (maize flour)KES 460
Rice & pastaKES 230
Sukuma/mboga (mama mboga)KES 290
Milk & tea leaves (daily chai)KES 1,080
SugarKES 140
Cooking oilKES 240
Meat/omena/eggsKES 570
Bread & breakfastKES 240
FruitsKES 150

🔎 Yes — even the matchbox and the salt.

Debts — KES 67,417

Fuliza revolvingKES 2,500
Tala activeKES 7,362
Mwalimu SACCO activeKES 57,555

Life 4 · The AI Community

Muriuki Koome, 52

Barber · Garissa town · 2 kids

KES 17,300/month

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

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The money

EarnsKES 17,300
RentKES 8,800
KitchenKES 2,750
UtilitiesKES 660
ConnectivityKES 360
TransportKES 2,140
FamilyKES 2,060
Left over: KES 50

Kitchen — KES 2,750/mo

Unga (maize flour)KES 330
Rice & pastaKES 160
Sukuma/mboga (mama mboga)KES 200
Milk & tea leaves (daily chai)KES 780
SugarKES 90
Cooking oilKES 170
Meat/omena/eggsKES 410
Bread & breakfastKES 170
FruitsKES 100

🔎 Yes — even the matchbox and the salt.

Debts — KES 7,299

M-Shwari activeKES 7,299

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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Life 5 · 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.

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Life 6 · The AI Community

Fatuma Warsame, 22

Civil servant (county/national) · Kitengela

KES 59,700/month

💭 Juggling several digital loans; repaying one with another.

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The money

EarnsKES 59,700
Rent — Inherited plotKES 0 🏡
KitchenKES 14,760
UtilitiesKES 10,610
ConnectivityKES 4,870
TransportKES 15,940
PersonalKES 10,450
Short every month by KES 8,310

Kitchen — KES 14,760/mo

Unga (maize flour)KES 930
Rice & pastaKES 630
Sukuma/mboga (mama mboga)KES 630
Milk & tea leaves (daily chai)KES 5,420
SugarKES 300
Cooking oilKES 570
Meat/omena/eggsKES 2,410
Bread & breakfastKES 780
FruitsKES 670

🔎 Yes — even the matchbox and the salt.

Debts — KES 47,636

Tala activeKES 23,820
KCB M-Pesa activeKES 23,816

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

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