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Life 1 · The AI Community

Mwangi Waweru, 62

Dairy/tea farmer · Rural North (Wajir) · 2 kids

KES 41,600/month

💭 Harvest months are fine; the dry months are brutal.

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The money

EarnsKES 41,600
Rent — Own homeKES 0 🏡
KitchenKES 12,320
UtilitiesKES 2,890
ConnectivityKES 1,960
TransportKES 4,390
FamilyKES 8,890
Left over: KES 6,020

Kitchen — KES 12,320/mo

Unga (maize flour)KES 980
Rice & pastaKES 660
Sukuma/mboga (mama mboga)KES 660
Milk & tea leaves (daily chai)KES 3,880
SugarKES 310
Cooking oilKES 600
Meat/omena/eggsKES 2,530
Bread & breakfastKES 820
FruitsKES 710

🔎 Yes — even the matchbox and the salt.

Debts — KES 98,803

Branch activeKES 11,709
Mwalimu SACCO activeKES 87,094

Life 2 · 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 3 · The AI Community

Onyango Ouma, 18

Tailor / fundi wa nguo · Nyeri town · 1 kid

KES 17,200/month

💭 Fuliza swallows the float every mid-month u2014 payday clears it, then the cycle restarts.

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The money

EarnsKES 17,200
RentKES 6,600
KitchenKES 3,310
UtilitiesKES 810
ConnectivityKES 450
TransportKES 1,580
FamilyKES 1,350
Left over: KES 2,130

Kitchen — KES 3,310/mo

Unga (maize flour)KES 360
Rice & pastaKES 180
Sukuma/mboga (mama mboga)KES 230
Milk & tea leaves (daily chai)KES 980
SugarKES 110
Cooking oilKES 190
Meat/omena/eggsKES 450
Bread & breakfastKES 190
FruitsKES 120

🔎 Yes — even the matchbox and the salt.

Debts — KES 9,585

Fuliza revolvingKES 4,000
Tala activeKES 5,585

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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Life 4 · The AI Community

Ahmed Ahmed, 28

Office cleaner · Eldoret town

KES 13,200/month

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

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The money

EarnsKES 13,200
Rent — Employer housing/staff quartersKES 0 🏡
KitchenKES 2,300
UtilitiesKES 850
ConnectivityKES 340
TransportKES 2,650
PersonalKES 400
Left over: KES 3,350

Kitchen — KES 2,300/mo

Unga (maize flour)KES 260
Rice & pastaKES 90
Sukuma/mboga (mama mboga)KES 160
Milk & tea leaves (daily chai)KES 570
SugarKES 80
Cooking oilKES 130
Meat/omena/eggsKES 190
Bread & breakfastKES 90
FruitsKES 50

🔎 Yes — even the matchbox and the salt.

Debts — KES 9,238

Fuliza revolvingKES 2,500
Zenka activeKES 6,738

Making it work.

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

Saving toward: Car

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Life 5 · 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.

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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 6 · 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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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