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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.

Swipe → for the money

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

Wairimu Karanja, 42

Office cleaner · Thika town · 4 kids

KES 14,500/month

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

Swipe → for the money

The money

EarnsKES 14,500
RentKES 7,975
KitchenKES 1,980
UtilitiesKES 470
ConnectivityKES 90
TransportKES 1,690
FamilyKES 1,890
Short every month by KES 25

Kitchen — KES 1,980/mo

Unga (maize flour)KES 350
Rice & pastaKES 120
Sukuma/mboga (mama mboga)KES 220
Milk & tea leaves (daily chai)KES 340
SugarKES 110
Cooking oilKES 170
Meat/omena/eggsKES 250
Bread & breakfastKES 120
FruitsKES 60

🔎 Yes — even the matchbox and the salt.

Debts — KES 6,449

Zenka activeKES 6,449

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

Mohamed Duale, 29

KDF soldier · Rural Eastern (Kitui) · 2 kids

KES 50,700/month

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

Swipe → for the money

The money

EarnsKES 50,700
Rent — Inherited plotKES 0 🏡
KitchenKES 16,130
UtilitiesKES 2,750
ConnectivityKES 2,390
TransportKES 5,340
FamilyKES 10,810
Left over: KES 5,880

Kitchen — KES 16,130/mo

Unga (maize flour)KES 1,470
Rice & pastaKES 990
Sukuma/mboga (mama mboga)KES 990
Milk & tea leaves (daily chai)KES 4,010
SugarKES 470
Cooking oilKES 900
Meat/omena/eggsKES 3,800
Bread & breakfastKES 1,230
FruitsKES 1,060

🔎 Yes — even the matchbox and the salt.

Debts — KES 435,098

Tala activeKES 12,244
Co-op Bank activeKES 274,096
Mwalimu SACCO activeKES 148,758

Life 4 · The AI Community

Anyango Ochieng, 48

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

KES 24,800/month

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

Swipe → for the money

The money

EarnsKES 24,800
Rent — Own homeKES 0 🏡
KitchenKES 10,300
UtilitiesKES 430
ConnectivityKES 700
TransportKES 2,740
FamilyKES 3,860
Left over: KES 1,950

Kitchen — KES 10,300/mo

Unga (maize flour)KES 1,390
Rice & pastaKES 690
Sukuma/mboga (mama mboga)KES 880
Milk & tea leaves (daily chai)KES 2,270
SugarKES 430
Cooking oilKES 750
Meat/omena/eggsKES 1,740
Bread & breakfastKES 750
FruitsKES 480

🔎 Yes — even the matchbox and the salt.

Debts — KES 12,250

M-Shwari activeKES 12,250

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 5 · The AI Community

Kiplagat Kipchoge, 41

Street hawker · Kakamega town · 3 kids

KES 9,500/month

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

Swipe → for the money

The money

EarnsKES 9,500
RentKES 5,225
KitchenKES 1,710
UtilitiesKES 470
ConnectivityKES 90
TransportKES 600
FamilyKES 1,430
Short every month by KES 525

Kitchen — KES 1,710/mo

Unga (maize flour)KES 300
Rice & pastaKES 100
Sukuma/mboga (mama mboga)KES 180
Milk & tea leaves (daily chai)KES 300
SugarKES 90
Cooking oilKES 140
Meat/omena/eggsKES 210
Bread & breakfastKES 100
FruitsKES 50

🔎 Yes — even the matchbox and the salt.

Debts — KES 4,372

Fuliza revolvingKES 1,500
M-Shwari activeKES 2,872

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

Mutuma Muriuki, 53

Private school teacher · Old Town, Mombasa · 5 kids

KES 28,400/month

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

Swipe → for the money

The money

EarnsKES 28,400
RentKES 10,400
KitchenKES 8,060
UtilitiesKES 660
ConnectivityKES 360
TransportKES 2,320
FamilyKES 5,040
Left over: KES 550

Kitchen — KES 8,060/mo

Unga (maize flour)KES 1,130
Rice & pastaKES 560
Sukuma/mboga (mama mboga)KES 720
Milk & tea leaves (daily chai)KES 1,770
SugarKES 350
Cooking oilKES 610
Meat/omena/eggsKES 1,420
Bread & breakfastKES 610
FruitsKES 390

🔎 Yes — even the matchbox and the salt.

Making it work.

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

Saving toward: Masters/course fees

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