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Life 1 · The AI Community

Barasa Wanjala, 30

Police officer · Old Town, Mombasa · 3 kids

KES 43,000/month

💭 Sends money home every month without fail; own savings keep stalling.

Swipe → for the money

The money

EarnsKES 43,000
RentKES 11,300
KitchenKES 7,540
UtilitiesKES 2,080
ConnectivityKES 950
TransportKES 3,370
FamilyKES 11,120
Left over: KES 10

Kitchen — KES 7,540/mo

Unga (maize flour)KES 700
Rice & pastaKES 470
Sukuma/mboga (mama mboga)KES 470
Milk & tea leaves (daily chai)KES 1,870
SugarKES 220
Cooking oilKES 420
Meat/omena/eggsKES 1,800
Bread & breakfastKES 580
FruitsKES 500

🔎 Yes — even the matchbox and the salt.

Life 2 · The AI Community

Simiyu Wanjala, 58

Security guard · Kakamega town · 2 kids

KES 13,700/month

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

Swipe → for the money

The money

EarnsKES 13,700
RentKES 7,535
KitchenKES 1,810
UtilitiesKES 470
ConnectivityKES 180
TransportKES 1,090
FamilyKES 800
Left over: KES 765

Kitchen — KES 1,810/mo

Unga (maize flour)KES 270
Rice & pastaKES 90
Sukuma/mboga (mama mboga)KES 170
Milk & tea leaves (daily chai)KES 400
SugarKES 80
Cooking oilKES 130
Meat/omena/eggsKES 190
Bread & breakfastKES 90
FruitsKES 50

🔎 Yes — even the matchbox and the salt.

Debts — KES 19,000

Fuliza revolvingKES 4,000
Okolea CRB-listedKES 15,000

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 3 · The AI Community

Omondi Oloo, 20

Boda boda rider · Old Town, Mombasa

KES 23,700/month

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

Swipe → for the money

The money

EarnsKES 23,700
RentKES 8,900
KitchenKES 3,620
UtilitiesKES 1,240
ConnectivityKES 680
TransportKES 2,810
PersonalKES 850
Left over: KES 1,310

Kitchen — KES 3,620/mo

Unga (maize flour)KES 340
Rice & pastaKES 170
Sukuma/mboga (mama mboga)KES 210
Milk & tea leaves (daily chai)KES 1,180
SugarKES 100
Cooking oilKES 180
Meat/omena/eggsKES 420
Bread & breakfastKES 180
FruitsKES 110

🔎 Yes — even the matchbox and the salt.

Debts — KES 7,000

Fuliza revolvingKES 2,500
Okolea CRB-listedKES 4,500

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

Mwendwa Munyao, 43

Boda boda rider · Kilimani, Nairobi · 3 kids

KES 19,500/month

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

Swipe → for the money

The money

EarnsKES 19,500
Rent — Employer housing/staff quartersKES 0 🏡
KitchenKES 6,780
UtilitiesKES 890
ConnectivityKES 490
TransportKES 1,660
FamilyKES 4,030
Left over: KES 4,300

Kitchen — KES 6,780/mo

Unga (maize flour)KES 930
Rice & pastaKES 460
Sukuma/mboga (mama mboga)KES 590
Milk & tea leaves (daily chai)KES 1,490
SugarKES 280
Cooking oilKES 500
Meat/omena/eggsKES 1,170
Bread & breakfastKES 500
FruitsKES 320

🔎 Yes — even the matchbox and the salt.

Debts — KES 800

Fuliza revolvingKES 800

Life 5 · The AI Community

Kiplagat Rotich, 30

Fisherman (lake/coast) · Rural Nyanza (Siaya)

KES 14,700/month

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

Swipe → for the money

The money

EarnsKES 14,700
Rent — Lives with parentsKES 0 🏡
KitchenKES 4,000
UtilitiesKES 520
ConnectivityKES 410
TransportKES 1,990
PersonalKES 480
Left over: KES 3,190

Kitchen — KES 4,000/mo

Unga (maize flour)KES 640
Rice & pastaKES 220
Sukuma/mboga (mama mboga)KES 390
Milk & tea leaves (daily chai)KES 680
SugarKES 190
Cooking oilKES 320
Meat/omena/eggsKES 450
Bread & breakfastKES 220
FruitsKES 120

🔎 Yes — even the matchbox and the salt.

Debts — KES 7,818

Branch activeKES 7,818

Making it work.

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

Saving toward: Car

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Life 6 · The AI Community

Abdi Ahmed, 62

Fisherman (lake/coast) · Rural Nyanza (Siaya) · 2 kids

KES 13,100/month

💭 Betting stakes feel small daily; monthly they rival the rent.

Swipe → for the money

The money

EarnsKES 13,100
Rent — Lives with parentsKES 0 🏡
KitchenKES 4,280
UtilitiesKES 570
ConnectivityKES 450
TransportKES 2,170
FamilyKES 2,570
Short every month by KES 390

Kitchen — KES 4,280/mo

Unga (maize flour)KES 650
Rice & pastaKES 230
Sukuma/mboga (mama mboga)KES 400
Milk & tea leaves (daily chai)KES 950
SugarKES 200
Cooking oilKES 320
Meat/omena/eggsKES 460
Bread & breakfastKES 230
FruitsKES 120

🔎 Yes — even the matchbox and the salt.

Debts — KES 13,386

Fuliza revolvingKES 1,500
Zenka activeKES 5,886
Shylock (local) active u2014 20%/moKES 6,000

Living beyond means.

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

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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.

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