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Life 1 · The AI Community

Fatuma Duale, 41

Private school teacher · Karen, Nairobi · 2 kids

KES 30,300/month

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

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The money

EarnsKES 30,300
Rent — Lives with parentsKES 0 🏡
KitchenKES 6,740
UtilitiesKES 1,020
ConnectivityKES 560
TransportKES 10,200
FamilyKES 3,220
Left over: KES 6,330

Kitchen — KES 6,740/mo

Unga (maize flour)KES 910
Rice & pastaKES 450
Sukuma/mboga (mama mboga)KES 570
Milk & tea leaves (daily chai)KES 1,480
SugarKES 280
Cooking oilKES 490
Meat/omena/eggsKES 1,140
Bread & breakfastKES 490
FruitsKES 310

🔎 Yes — even the matchbox and the salt.

Debts — KES 93,761

Fuliza revolvingKES 1,500
Stima SACCO activeKES 92,261

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

Anjali Raj, 20

Office clerk/admin · Old Town, Mombasa

KES 40,700/month

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

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The money

EarnsKES 40,700
Rent — Employer housing/staff quartersKES 0 🏡
KitchenKES 9,760
UtilitiesKES 4,060
ConnectivityKES 1,850
TransportKES 6,100
PersonalKES 3,990
Left over: KES 11,000

Kitchen — KES 9,760/mo

Unga (maize flour)KES 840
Rice & pastaKES 560
Sukuma/mboga (mama mboga)KES 560
Milk & tea leaves (daily chai)KES 2,440
SugarKES 270
Cooking oilKES 510
Meat/omena/eggsKES 2,160
Bread & breakfastKES 700
FruitsKES 610

🔎 Yes — even the matchbox and the salt.

Debts — KES 189,151

M-Shwari activeKES 10,562
Stima SACCO activeKES 178,589

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

Wafula Makokha, 41

Fisherman (lake/coast) · Rural Coast (Kilifi) · 2 kids

KES 21,400/month

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

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The money

EarnsKES 21,400
Rent — Employer housing/staff quartersKES 0 🏡
KitchenKES 3,870
UtilitiesKES 70
ConnectivityKES 490
TransportKES 1,940
FamilyKES 6,970
Left over: KES 1,270

Kitchen — KES 3,870/mo

Unga (maize flour)KES 460
Rice & pastaKES 230
Sukuma/mboga (mama mboga)KES 290
Milk & tea leaves (daily chai)KES 1,080
SugarKES 140
Cooking oilKES 240
Meat/omena/eggsKES 570
Bread & breakfastKES 240
FruitsKES 150

🔎 Yes — even the matchbox and the salt.

Debts — KES 67,417

Fuliza revolvingKES 2,500
Tala activeKES 7,362
Mwalimu SACCO activeKES 57,555

Life 4 · The AI Community

Ondieki Momanyi, 40

Smallholder farmer · Rural Nyanza (Siaya) · 4 kids

KES 9,200/month

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

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The money

EarnsKES 9,200
Rent — Family land (upcountry home)KES 0 🏡
KitchenKES 3,800
UtilitiesKES 350
ConnectivityKES 280
TransportKES 1,360
FamilyKES 2,810
Short every month by KES 590

Kitchen — KES 3,800/mo

Unga (maize flour)KES 630
Rice & pastaKES 220
Sukuma/mboga (mama mboga)KES 390
Milk & tea leaves (daily chai)KES 800
SugarKES 190
Cooking oilKES 310
Meat/omena/eggsKES 450
Bread & breakfastKES 220
FruitsKES 120

🔎 Yes — even the matchbox and the salt.

Debts — KES 15,000

Branch CRB-listedKES 15,000

Living beyond means.

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

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Life 5 · The AI Community

Mwendwa Kyalo, 37

Boda boda rider · Nyali, Mombasa · 1 kid

KES 15,800/month

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

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The money

EarnsKES 15,800
RentKES 8,690
KitchenKES 4,460
UtilitiesKES 660
ConnectivityKES 360
TransportKES 990
FamilyKES 1,130
Short every month by KES 3,440

Kitchen — KES 4,460/mo

Unga (maize flour)KES 590
Rice & pastaKES 290
Sukuma/mboga (mama mboga)KES 370
Milk & tea leaves (daily chai)KES 980
SugarKES 180
Cooking oilKES 310
Meat/omena/eggsKES 730
Bread & breakfastKES 310
FruitsKES 200

🔎 Yes — even the matchbox and the salt.

Debts — KES 8,640

Fuliza revolvingKES 4,000
M-Shwari activeKES 4,640

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

Farah Yusuf, 29

House manager (domestic worker) · Kitengela · 1 kid

KES 6,500/month

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

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The money

EarnsKES 6,500
RentKES 3,575
KitchenKES 2,860
UtilitiesKES 470
ConnectivityKES 180
TransportKES 2,730
FamilyKES 450
Short every month by KES 5,165

Kitchen — KES 2,860/mo

Unga (maize flour)KES 470
Rice & pastaKES 170
Sukuma/mboga (mama mboga)KES 290
Milk & tea leaves (daily chai)KES 480
SugarKES 140
Cooking oilKES 230
Meat/omena/eggsKES 340
Bread & breakfastKES 170
FruitsKES 90

🔎 Yes — even the matchbox and the salt.

Debts — KES 4,500

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

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