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Life 1 · 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 2 · The AI Community

Kinya Koome, 25

House manager (domestic worker) · Rural Western (Bungoma) · 1 kid

KES 11,000/month

💭 Committed to two chamas; contributions compete with essentials.

Swipe → for the money

The money

EarnsKES 11,000
Rent — Lives with parentsKES 0 🏡
KitchenKES 4,010
UtilitiesKES 420
ConnectivityKES 330
TransportKES 1,600
FamilyKES 790
Left over: KES 2,120

Kitchen — KES 4,010/mo

Unga (maize flour)KES 670
Rice & pastaKES 240
Sukuma/mboga (mama mboga)KES 410
Milk & tea leaves (daily chai)KES 690
SugarKES 200
Cooking oilKES 330
Meat/omena/eggsKES 480
Bread & breakfastKES 240
FruitsKES 120

🔎 Yes — even the matchbox and the salt.

Debts — KES 2,500

Branch CRB-listedKES 2,500

Life 3 · The AI Community

Okoth Okoth, 56

Office cleaner · Machakos town · 2 kids

KES 10,600/month

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

Swipe → for the money

The money

EarnsKES 10,600
RentKES 5,830
KitchenKES 1,490
UtilitiesKES 470
ConnectivityKES 180
TransportKES 1,450
FamilyKES 800
Left over: KES 40

Kitchen — KES 1,490/mo

Unga (maize flour)KES 260
Rice & pastaKES 80
Sukuma/mboga (mama mboga)KES 160
Milk & tea leaves (daily chai)KES 260
SugarKES 70
Cooking oilKES 120
Meat/omena/eggsKES 180
Bread & breakfastKES 80
FruitsKES 40

🔎 Yes — even the matchbox and the salt.

Debts — KES 9,500

Fuliza revolvingKES 1,500
Okolea CRB-listedKES 8,000

Making it work.

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

Saving toward: Business capital

Share Full life Now try YOURS →

Swipe ↑ for the next life

Life 4 · The AI Community

Ifrah Farah, 48

House manager (domestic worker) · Kariobangi, Nairobi · 2 kids

KES 7,800/month

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

Swipe → for the money

The money

EarnsKES 7,800
RentKES 4,290
KitchenKES 1,460
UtilitiesKES 470
ConnectivityKES 90
TransportKES 790
FamilyKES 800
Short every month by KES 510

Kitchen — KES 1,460/mo

Unga (maize flour)KES 250
Rice & pastaKES 80
Sukuma/mboga (mama mboga)KES 150
Milk & tea leaves (daily chai)KES 250
SugarKES 70
Cooking oilKES 120
Meat/omena/eggsKES 180
Bread & breakfastKES 80
FruitsKES 40

🔎 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

Life 5 · The AI Community

Njoroge Macharia, 21

Mjengo (construction) worker · Eldoret town

KES 10,600/month

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

Swipe → for the money

The money

EarnsKES 10,600
RentKES 5,830
KitchenKES 1,270
UtilitiesKES 470
ConnectivityKES 180
TransportKES 1,450
PersonalKES 210
Left over: KES 1,020

Kitchen — KES 1,270/mo

Unga (maize flour)KES 140
Rice & pastaKES 50
Sukuma/mboga (mama mboga)KES 90
Milk & tea leaves (daily chai)KES 310
SugarKES 40
Cooking oilKES 70
Meat/omena/eggsKES 100
Bread & breakfastKES 50
FruitsKES 20

🔎 Yes — even the matchbox and the salt.

Debts — KES 15,800

Fuliza revolvingKES 800
Tala CRB-listedKES 15,000

Making it work.

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

Saving toward: Business capital

Share Full life Now try YOURS →

Swipe ↑ for the next life

Life 6 · The AI Community

Mwangi Githinji, 51

Security guard · Old Town, Mombasa · 3 kids

KES 16,400/month

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

Swipe → for the money

The money

EarnsKES 16,400
RentKES 9,020
KitchenKES 2,720
UtilitiesKES 660
ConnectivityKES 190
TransportKES 1,260
FamilyKES 2,930
Short every month by KES 1,040

Kitchen — KES 2,720/mo

Unga (maize flour)KES 370
Rice & pastaKES 180
Sukuma/mboga (mama mboga)KES 230
Milk & tea leaves (daily chai)KES 600
SugarKES 110
Cooking oilKES 200
Meat/omena/eggsKES 470
Bread & breakfastKES 200
FruitsKES 120

🔎 Yes — even the matchbox and the salt.

Debts — KES 800

Fuliza revolvingKES 800

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