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Life 1 · The AI Community

Saumu Suleiman, 40

Nurse · Kakamega town · 3 kids

KES 59,800/month

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

Swipe → for the money

The money

EarnsKES 59,800
RentKES 9,800
KitchenKES 18,220
UtilitiesKES 4,290
ConnectivityKES 1,960
TransportKES 6,530
FamilyKES 14,190
Short every month by KES 2,930

Kitchen — KES 18,220/mo

Unga (maize flour)KES 1,690
Rice & pastaKES 1,140
Sukuma/mboga (mama mboga)KES 1,140
Milk & tea leaves (daily chai)KES 4,520
SugarKES 540
Cooking oilKES 1,030
Meat/omena/eggsKES 4,360
Bread & breakfastKES 1,410
FruitsKES 1,220

🔎 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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Life 2 · The AI Community

Kibet Bett, 26

Dairy/tea farmer · Rural Rift (Bomet) · 1 kid

KES 22,100/month

💭 Caring for a parent/child limits working hours and doubles costs.

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The money

EarnsKES 22,100
Rent — Family land (upcountry home)KES 0 🏡
KitchenKES 4,440
UtilitiesKES 270
ConnectivityKES 450
TransportKES 1,770
FamilyKES 5,300
Left over: KES 6,180

Kitchen — KES 4,440/mo

Unga (maize flour)KES 580
Rice & pastaKES 290
Sukuma/mboga (mama mboga)KES 370
Milk & tea leaves (daily chai)KES 970
SugarKES 180
Cooking oilKES 310
Meat/omena/eggsKES 730
Bread & breakfastKES 310
FruitsKES 200

🔎 Yes — even the matchbox and the salt.

Debts — KES 66,673

Fuliza revolvingKES 2,500
Mwalimu SACCO activeKES 64,173

Life 3 · 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

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Life 4 · The AI Community

Onyango Ouma, 57

Barber · Nakuru town · 5 kids

KES 13,900/month

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

Swipe → for the money

The money

EarnsKES 13,900
RentKES 7,645
KitchenKES 1,870
UtilitiesKES 470
ConnectivityKES 90
TransportKES 1,230
FamilyKES 2,240
Short every month by KES 25

Kitchen — KES 1,870/mo

Unga (maize flour)KES 310
Rice & pastaKES 110
Sukuma/mboga (mama mboga)KES 190
Milk & tea leaves (daily chai)KES 380
SugarKES 90
Cooking oilKES 150
Meat/omena/eggsKES 230
Bread & breakfastKES 110
FruitsKES 60

🔎 Yes — even the matchbox and the salt.

Debts — KES 4,000

Fuliza revolvingKES 4,000

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 5 · The AI Community

Nasimiyu Shikuku, 46

Salonist / hairdresser · Nyali, Mombasa · 2 kids

KES 24,000/month

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

Swipe → for the money

The money

EarnsKES 24,000
RentKES 13,200
KitchenKES 4,410
UtilitiesKES 860
ConnectivityKES 470
TransportKES 4,230
FamilyKES 2,600
Short every month by KES 5,140

Kitchen — KES 4,410/mo

Unga (maize flour)KES 520
Rice & pastaKES 260
Sukuma/mboga (mama mboga)KES 330
Milk & tea leaves (daily chai)KES 1,230
SugarKES 160
Cooking oilKES 280
Meat/omena/eggsKES 650
Bread & breakfastKES 280
FruitsKES 180

🔎 Yes — even the matchbox and the salt.

Debts — KES 93,091

Fuliza revolvingKES 800
Local SACCO activeKES 92,291

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

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

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