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Life 1 · The AI Community

Wanjiku Kamau, 35

Private school teacher · Rural Central (Murang'a) · 4 kids

KES 18,600/month

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

Swipe → for the money

The money

EarnsKES 18,600
Rent — Lives with parentsKES 0 🏡
KitchenKES 4,870
UtilitiesKES 220
ConnectivityKES 360
TransportKES 2,140
FamilyKES 7,220
Left over: KES 320

Kitchen — KES 4,870/mo

Unga (maize flour)KES 680
Rice & pastaKES 340
Sukuma/mboga (mama mboga)KES 430
Milk & tea leaves (daily chai)KES 1,070
SugarKES 200
Cooking oilKES 360
Meat/omena/eggsKES 850
Bread & breakfastKES 360
FruitsKES 230

🔎 Yes — even the matchbox and the salt.

Debts — KES 7,442

Zenka activeKES 7,442

Life 2 · The AI Community

Okoth Okoth, 42

Police officer · Rural Nyanza (Siaya) · 1 kid

KES 34,100/month

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

Swipe → for the money

The money

EarnsKES 34,100
Rent — Employer housing/staff quartersKES 0 🏡
KitchenKES 7,660
UtilitiesKES 570
ConnectivityKES 920
TransportKES 3,610
FamilyKES 2,860
Left over: KES 5,310

Kitchen — KES 7,660/mo

Unga (maize flour)KES 1,010
Rice & pastaKES 500
Sukuma/mboga (mama mboga)KES 640
Milk & tea leaves (daily chai)KES 1,680
SugarKES 310
Cooking oilKES 540
Meat/omena/eggsKES 1,260
Bread & breakfastKES 540
FruitsKES 350

🔎 Yes — even the matchbox and the salt.

Debts — KES 7,580

Tala activeKES 7,580

Life 3 · 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.

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Life 4 · The AI Community

Onyango Odongo, 46

Civil servant (county/national) · Rural Nyanza (Siaya) · 4 kids

KES 84,700/month

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

Swipe → for the money

The money

EarnsKES 84,700
Rent — Own homeKES 0 🏡
KitchenKES 18,210
UtilitiesKES 3,530
ConnectivityKES 2,390
TransportKES 7,520
FamilyKES 25,120
Left over: KES 13,540

Kitchen — KES 18,210/mo

Unga (maize flour)KES 1,560
Rice & pastaKES 1,060
Sukuma/mboga (mama mboga)KES 1,060
Milk & tea leaves (daily chai)KES 5,360
SugarKES 500
Cooking oilKES 960
Meat/omena/eggsKES 4,050
Bread & breakfastKES 1,310
FruitsKES 1,130

🔎 Yes — even the matchbox and the salt.

Debts — KES 901,991

Okolea CRB-listedKES 2,500
Equity activeKES 522,960
Local SACCO activeKES 376,531

Life 5 · The AI Community

Kemunto Mogaka, 34

M-Pesa agent · Umoja, Nairobi · 1 kid

KES 27,000/month

💭 Lifestyle quietly runs ahead of income; the gap is bridged with loans.

Swipe → for the money

The money

EarnsKES 27,000
RentKES 12,200
KitchenKES 6,780
UtilitiesKES 1,460
ConnectivityKES 810
TransportKES 5,220
FamilyKES 2,520
Short every month by KES 4,660

Kitchen — KES 6,780/mo

Unga (maize flour)KES 890
Rice & pastaKES 440
Sukuma/mboga (mama mboga)KES 560
Milk & tea leaves (daily chai)KES 1,490
SugarKES 270
Cooking oilKES 480
Meat/omena/eggsKES 1,120
Bread & breakfastKES 480
FruitsKES 310

🔎 Yes — even the matchbox and the salt.

Debts — KES 21,830

Fuliza revolvingKES 4,000
Tala activeKES 13,330
Okolea CRB-listedKES 4,500

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 6 · The AI Community

Rotich Koech, 53

Street hawker · Kibera, Nairobi · 3 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 3,700
KitchenKES 3,880
UtilitiesKES 670
ConnectivityKES 270
TransportKES 1,580
FamilyKES 2,070
Left over: KES 1,520

Kitchen — KES 3,880/mo

Unga (maize flour)KES 680
Rice & pastaKES 240
Sukuma/mboga (mama mboga)KES 420
Milk & tea leaves (daily chai)KES 680
SugarKES 210
Cooking oilKES 340
Meat/omena/eggsKES 490
Bread & breakfastKES 240
FruitsKES 130

🔎 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: Build upcountry house

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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