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Life 1 · The AI Community

Wanjiku Ndung'u, 25

Dairy/tea farmer · Rural North (Wajir) · 1 kid

KES 27,300/month

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

Swipe → for the money

The money

EarnsKES 27,300
Rent — Employer housing/staff quartersKES 0 🏡
KitchenKES 9,870
UtilitiesKES 620
ConnectivityKES 1,000
TransportKES 4,450
FamilyKES 3,120
Short every month by KES 870

Kitchen — KES 9,870/mo

Unga (maize flour)KES 1,300
Rice & pastaKES 650
Sukuma/mboga (mama mboga)KES 820
Milk & tea leaves (daily chai)KES 2,170
SugarKES 400
Cooking oilKES 700
Meat/omena/eggsKES 1,630
Bread & breakfastKES 700
FruitsKES 450

🔎 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.

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Life 2 · The AI Community

Rashid Suleiman, 47

Salonist / hairdresser · Kisumu town · 5 kids

KES 17,900/month

💭 Committed to two chamas; contributions compete with essentials.

Swipe → for the money

The money

EarnsKES 17,900
RentKES 9,845
KitchenKES 3,510
UtilitiesKES 660
ConnectivityKES 190
TransportKES 1,260
FamilyKES 4,950
Short every month by KES 4,245

Kitchen — KES 3,510/mo

Unga (maize flour)KES 490
Rice & pastaKES 240
Sukuma/mboga (mama mboga)KES 310
Milk & tea leaves (daily chai)KES 770
SugarKES 150
Cooking oilKES 260
Meat/omena/eggsKES 620
Bread & breakfastKES 260
FruitsKES 170

🔎 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 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

Anjali Devani, 57

Salonist / hairdresser · Nakuru town · 2 kids

KES 23,000/month

💭 Committed to two chamas; contributions compete with essentials.

Swipe → for the money

The money

EarnsKES 23,000
RentKES 12,650
KitchenKES 3,370
UtilitiesKES 660
ConnectivityKES 360
TransportKES 1,970
FamilyKES 2,000
Left over: KES 70

Kitchen — KES 3,370/mo

Unga (maize flour)KES 400
Rice & pastaKES 200
Sukuma/mboga (mama mboga)KES 250
Milk & tea leaves (daily chai)KES 940
SugarKES 120
Cooking oilKES 210
Meat/omena/eggsKES 500
Bread & breakfastKES 210
FruitsKES 130

🔎 Yes — even the matchbox and the salt.

Debts — KES 16,205

Fuliza revolvingKES 4,000
Tala activeKES 12,205

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

Otieno Ogutu, 54

Office clerk/admin · Old Town, Mombasa · 3 kids · 2 households

KES 43,600/month

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

Swipe → for the money

The money

EarnsKES 43,600
Rent — Own homeKES 0 🏡
KitchenKES 11,750
UtilitiesKES 2,210
ConnectivityKES 1,000
TransportKES 5,550
FamilyKES 8,780
Left over: KES 5,240

Kitchen — KES 11,750/mo

Unga (maize flour)KES 1,090
Rice & pastaKES 730
Sukuma/mboga (mama mboga)KES 730
Milk & tea leaves (daily chai)KES 2,910
SugarKES 350
Cooking oilKES 660
Meat/omena/eggsKES 2,810
Bread & breakfastKES 910
FruitsKES 790

🔎 Yes — even the matchbox and the salt.

Debts — KES 92,853

Branch activeKES 14,215
Mwalimu SACCO activeKES 78,638

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 6 · The AI Community

Ifrah Yusuf, 49

M-Pesa agent · Garissa town · 3 kids

KES 17,400/month

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

Swipe → for the money

The money

EarnsKES 17,400
RentKES 8,800
KitchenKES 4,250
UtilitiesKES 660
ConnectivityKES 360
TransportKES 2,140
FamilyKES 2,930
Short every month by KES 3,510

Kitchen — KES 4,250/mo

Unga (maize flour)KES 580
Rice & pastaKES 290
Sukuma/mboga (mama mboga)KES 370
Milk & tea leaves (daily chai)KES 930
SugarKES 180
Cooking oilKES 310
Meat/omena/eggsKES 730
Bread & breakfastKES 310
FruitsKES 200

🔎 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 →

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