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Life 1 · The AI Community

Rehema Rashid, 28

Duka/shop owner · Kasarani, Nairobi · 1 kid

KES 43,500/month

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

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The money

EarnsKES 43,500
RentKES 20,100
KitchenKES 10,130
UtilitiesKES 2,670
ConnectivityKES 1,220
TransportKES 2,560
FamilyKES 2,230
Short every month by KES 2,060

Kitchen — KES 10,130/mo

Unga (maize flour)KES 900
Rice & pastaKES 610
Sukuma/mboga (mama mboga)KES 610
Milk & tea leaves (daily chai)KES 2,520
SugarKES 290
Cooking oilKES 550
Meat/omena/eggsKES 2,320
Bread & breakfastKES 750
FruitsKES 650

🔎 Yes — even the matchbox and the salt.

Debts — KES 398,863

Zenka activeKES 9,655
Co-op Bank activeKES 247,988
Stima SACCO activeKES 141,220

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

Achieng Otieno, 33

Clinical officer · Karen, Nairobi · 3 kids

KES 81,200/month

💭 Fuliza swallows the float every mid-month u2014 payday clears it, then the cycle restarts.

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The money

EarnsKES 81,200
RentKES 44,660
KitchenKES 8,870
UtilitiesKES 2,080
ConnectivityKES 950
TransportKES 6,510
FamilyKES 5,550
Left over: KES 7,500

Kitchen — KES 8,870/mo

Unga (maize flour)KES 820
Rice & pastaKES 550
Sukuma/mboga (mama mboga)KES 550
Milk & tea leaves (daily chai)KES 2,200
SugarKES 260
Cooking oilKES 500
Meat/omena/eggsKES 2,120
Bread & breakfastKES 690
FruitsKES 590

🔎 Yes — even the matchbox and the salt.

Debts — KES 4,000

Fuliza revolvingKES 4,000

Life 3 · The AI Community

Njeri Karanja, 61

Salonist / hairdresser · Rural North (Wajir) · 2 kids

KES 30,400/month

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

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The money

EarnsKES 30,400
Rent — Lives with parentsKES 0 🏡
KitchenKES 15,160
UtilitiesKES 630
ConnectivityKES 1,030
TransportKES 6,050
FamilyKES 5,830
Short every month by KES 1,890

Kitchen — KES 15,160/mo

Unga (maize flour)KES 2,050
Rice & pastaKES 1,020
Sukuma/mboga (mama mboga)KES 1,300
Milk & tea leaves (daily chai)KES 3,340
SugarKES 630
Cooking oilKES 1,100
Meat/omena/eggsKES 2,570
Bread & breakfastKES 1,100
FruitsKES 710

🔎 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 →

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Life 4 · The AI Community

Kioko Munyao, 20

Private school teacher · Rural North (Wajir)

KES 27,700/month

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

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The money

EarnsKES 27,700
Rent — Lives with parentsKES 0 🏡
KitchenKES 12,140
UtilitiesKES 1,430
ConnectivityKES 2,310
TransportKES 6,860
PersonalKES 2,860
Short every month by KES 1,390

Kitchen — KES 12,140/mo

Unga (maize flour)KES 1,140
Rice & pastaKES 570
Sukuma/mboga (mama mboga)KES 720
Milk & tea leaves (daily chai)KES 3,960
SugarKES 350
Cooking oilKES 610
Meat/omena/eggsKES 1,430
Bread & breakfastKES 610
FruitsKES 390

🔎 Yes — even the matchbox and the salt.

Debts — KES 75,665

Fuliza revolvingKES 4,000
Zenka activeKES 7,142
Local SACCO activeKES 64,523

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

Khavere Juma, 30

Dairy/tea farmer · Rural Coast (Kilifi) · 3 kids

KES 29,200/month

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

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The money

EarnsKES 29,200
Rent — Employer housing/staff quartersKES 0 🏡
KitchenKES 11,960
UtilitiesKES 150
ConnectivityKES 1,070
TransportKES 5,750
FamilyKES 8,770
Short every month by KES 6,060

Kitchen — KES 11,960/mo

Unga (maize flour)KES 1,490
Rice & pastaKES 740
Sukuma/mboga (mama mboga)KES 940
Milk & tea leaves (daily chai)KES 3,230
SugarKES 460
Cooking oilKES 800
Meat/omena/eggsKES 1,870
Bread & breakfastKES 800
FruitsKES 510

🔎 Yes — even the matchbox and the salt.

Debts — KES 8,000

Branch CRB-listedKES 8,000

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

Ondieki Bosire, 57

Office cleaner · Rural Eastern (Kitui) · 2 kids

KES 13,300/month

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

Swipe → for the money

The money

EarnsKES 13,300
Rent — Own homeKES 0 🏡
KitchenKES 4,720
UtilitiesKES 530
ConnectivityKES 420
TransportKES 2,430
FamilyKES 2,400
Short every month by KES 1,670

Kitchen — KES 4,720/mo

Unga (maize flour)KES 720
Rice & pastaKES 250
Sukuma/mboga (mama mboga)KES 440
Milk & tea leaves (daily chai)KES 1,050
SugarKES 220
Cooking oilKES 360
Meat/omena/eggsKES 510
Bread & breakfastKES 250
FruitsKES 130

🔎 Yes — even the matchbox and the salt.

Debts — KES 5,115

M-Shwari activeKES 5,115

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