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Life 1 · The AI Community

Kirimi Gitonga, 33

Clinical officer · Nyali, Mombasa · 1 kid

KES 70,300/month

💭 Caring for a parent/child limits working hours and doubles costs.

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The money

EarnsKES 70,300
RentKES 38,665
KitchenKES 5,360
UtilitiesKES 2,080
ConnectivityKES 950
TransportKES 4,200
FamilyKES 7,300
Left over: KES 385

Kitchen — KES 5,360/mo

Unga (maize flour)KES 470
Rice & pastaKES 320
Sukuma/mboga (mama mboga)KES 320
Milk & tea leaves (daily chai)KES 1,330
SugarKES 150
Cooking oilKES 290
Meat/omena/eggsKES 1,230
Bread & breakfastKES 400
FruitsKES 340

🔎 Yes — even the matchbox and the salt.

Life 2 · 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.

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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.

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Life 3 · The AI Community

Wangari Kamau, 18

Mama mboga (grocery kiosk) · Old Town, Mombasa

KES 14,300/month

💭 CRB-listed over an old mobile loan; locked out of new credit.

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The money

EarnsKES 14,300
RentKES 7,865
KitchenKES 1,980
UtilitiesKES 570
ConnectivityKES 230
TransportKES 1,580
PersonalKES 400
Left over: KES 1,385

Kitchen — KES 1,980/mo

Unga (maize flour)KES 220
Rice & pastaKES 80
Sukuma/mboga (mama mboga)KES 140
Milk & tea leaves (daily chai)KES 490
SugarKES 70
Cooking oilKES 110
Meat/omena/eggsKES 160
Bread & breakfastKES 80
FruitsKES 40

🔎 Yes — even the matchbox and the salt.

Debts — KES 18,384

Fuliza revolvingKES 2,500
Zenka activeKES 7,884
Branch CRB-listedKES 8,000

Making it work.

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

Saving toward: Wedding fund

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Life 4 · The AI Community

Ochieng Ogutu, 61

Duka/shop owner · Garissa town · 5 kids

KES 37,900/month

💭 Committed to two chamas; contributions compete with essentials.

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The money

EarnsKES 37,900
RentKES 6,900
KitchenKES 11,760
UtilitiesKES 960
ConnectivityKES 530
TransportKES 3,120
FamilyKES 7,300
Left over: KES 4,350

Kitchen — KES 11,760/mo

Unga (maize flour)KES 1,660
Rice & pastaKES 830
Sukuma/mboga (mama mboga)KES 1,050
Milk & tea leaves (daily chai)KES 2,580
SugarKES 510
Cooking oilKES 890
Meat/omena/eggsKES 2,070
Bread & breakfastKES 890
FruitsKES 570

🔎 Yes — even the matchbox and the salt.

Debts — KES 108,598

Fuliza revolvingKES 4,000
Unaitas activeKES 104,598

Making it work.

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

Saving toward: Emergency fund (3 months)

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Life 5 · 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.

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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 6 · The AI Community

Awuor Owuor, 38

Tailor / fundi wa nguo · Ongata Rongai · 3 kids

KES 18,700/month

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

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The money

EarnsKES 18,700
RentKES 10,285
KitchenKES 2,320
UtilitiesKES 660
ConnectivityKES 190
TransportKES 1,960
FamilyKES 2,990
Short every month by KES 515

Kitchen — KES 2,320/mo

Unga (maize flour)KES 310
Rice & pastaKES 150
Sukuma/mboga (mama mboga)KES 200
Milk & tea leaves (daily chai)KES 510
SugarKES 90
Cooking oilKES 170
Meat/omena/eggsKES 400
Bread & breakfastKES 170
FruitsKES 110

🔎 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

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