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Life 1 · The AI Community

Achieng Ouma, 37

Duka/shop owner · South B, Nairobi · 1 kid

KES 28,200/month

💭 Committed to two chamas; contributions compete with essentials.

Swipe → for the money

The money

EarnsKES 28,200
RentKES 15,510
KitchenKES 2,640
UtilitiesKES 660
ConnectivityKES 360
TransportKES 2,700
FamilyKES 1,130
Left over: KES 2,870

Kitchen — KES 2,640/mo

Unga (maize flour)KES 290
Rice & pastaKES 140
Sukuma/mboga (mama mboga)KES 180
Milk & tea leaves (daily chai)KES 780
SugarKES 80
Cooking oilKES 150
Meat/omena/eggsKES 360
Bread & breakfastKES 150
FruitsKES 100

🔎 Yes — even the matchbox and the salt.

Debts — KES 4,000

Fuliza revolvingKES 4,000

Making it work.

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

Saving toward: Car

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Life 2 · The AI Community

Mutuma Kirimi, 29

Boda boda rider · Garissa town · 2 kids

KES 19,300/month

💭 One emergency away from zero u2014 no cushion at all.

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The money

EarnsKES 19,300
RentKES 6,300
KitchenKES 5,050
UtilitiesKES 770
ConnectivityKES 420
TransportKES 1,430
FamilyKES 2,350
Left over: KES 1,820

Kitchen — KES 5,050/mo

Unga (maize flour)KES 680
Rice & pastaKES 340
Sukuma/mboga (mama mboga)KES 430
Milk & tea leaves (daily chai)KES 1,110
SugarKES 210
Cooking oilKES 360
Meat/omena/eggsKES 850
Bread & breakfastKES 360
FruitsKES 230

🔎 Yes — even the matchbox and the salt.

Debts — KES 48,815

Fuliza revolvingKES 800
Branch CRB-listedKES 8,000
Mwalimu SACCO activeKES 40,015

Making it work.

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

Saving toward: Business capital

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Life 3 · The AI Community

Musyoka Munyao, 55

Duka/shop owner · Rural Coast (Kilifi) · 3 kids

KES 39,400/month

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

Swipe → for the money

The money

EarnsKES 39,400
Rent — Lives with parentsKES 0 🏡
KitchenKES 10,450
UtilitiesKES 670
ConnectivityKES 1,100
TransportKES 5,900
FamilyKES 9,020
Left over: KES 4,200

Kitchen — KES 10,450/mo

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

🔎 Yes — even the matchbox and the salt.

Debts — KES 800

Fuliza revolvingKES 800

Making it work.

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

Saving toward: Business capital

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Life 4 · The AI Community

Sanjay Imran, 27

Public school teacher (TSC) · Rural North (Wajir)

KES 33,000/month

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

Swipe → for the money

The money

EarnsKES 33,000
Rent — Employer housing/staff quartersKES 0 🏡
KitchenKES 13,950
UtilitiesKES 300
ConnectivityKES 2,100
TransportKES 6,270
PersonalKES 2,600
Left over: KES 1,960

Kitchen — KES 13,950/mo

Unga (maize flour)KES 1,770
Rice & pastaKES 880
Sukuma/mboga (mama mboga)KES 1,120
Milk & tea leaves (daily chai)KES 3,070
SugarKES 540
Cooking oilKES 950
Meat/omena/eggsKES 2,220
Bread & breakfastKES 950
FruitsKES 610

🔎 Yes — even the matchbox and the salt.

Life 5 · 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 6 · The AI Community

Kiplagat Sang, 19

Security guard · Old Town, Mombasa · 1 kid

KES 18,100/month

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

Swipe → for the money

The money

EarnsKES 18,100
RentKES 9,955
KitchenKES 3,580
UtilitiesKES 660
ConnectivityKES 360
TransportKES 1,270
FamilyKES 1,080
Short every month by KES 1,015

Kitchen — KES 3,580/mo

Unga (maize flour)KES 470
Rice & pastaKES 230
Sukuma/mboga (mama mboga)KES 300
Milk & tea leaves (daily chai)KES 780
SugarKES 140
Cooking oilKES 250
Meat/omena/eggsKES 590
Bread & breakfastKES 250
FruitsKES 160

🔎 Yes — even the matchbox and the salt.

Debts — KES 21,760

Fuliza revolvingKES 2,500
Zenka activeKES 4,260
Okolea CRB-listedKES 15,000

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