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Life 1 · 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.

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Life 2 · The AI Community

Mwangi Githinji, 19

Boda boda rider · Ruiru

KES 21,500/month

💭 Still repaying the wedding/funeral harambee shortfall.

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The money

EarnsKES 21,500
RentKES 7,800
KitchenKES 4,330
UtilitiesKES 1,480
ConnectivityKES 820
TransportKES 3,040
PersonalKES 1,010
Left over: KES 2,060

Kitchen — KES 4,330/mo

Unga (maize flour)KES 400
Rice & pastaKES 200
Sukuma/mboga (mama mboga)KES 250
Milk & tea leaves (daily chai)KES 1,410
SugarKES 120
Cooking oilKES 220
Meat/omena/eggsKES 510
Bread & breakfastKES 220
FruitsKES 140

🔎 Yes — even the matchbox and the salt.

Debts — KES 132,067

Fuliza revolvingKES 1,500
Branch activeKES 10,567
Family & friends informalKES 120,000

Life 3 · The AI Community

Kamau Kimani, 18

Smallholder farmer · Rural Eastern (Kitui)

KES 20,000/month

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

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The money

EarnsKES 20,000
Rent — Employer housing/staff quartersKES 0 🏡
KitchenKES 6,280
UtilitiesKES 580
ConnectivityKES 950
TransportKES 2,840
PersonalKES 1,170
Left over: KES 5,410

Kitchen — KES 6,280/mo

Unga (maize flour)KES 590
Rice & pastaKES 290
Sukuma/mboga (mama mboga)KES 370
Milk & tea leaves (daily chai)KES 2,050
SugarKES 180
Cooking oilKES 310
Meat/omena/eggsKES 740
Bread & breakfastKES 310
FruitsKES 200

🔎 Yes — even the matchbox and the salt.

Debts — KES 4,000

Fuliza revolvingKES 4,000

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 4 · The AI Community

Ondieki Mogaka, 47

Street hawker · Rural Eastern (Kitui) · 2 kids

KES 6,500/month

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

Swipe → for the money

The money

EarnsKES 6,500
Rent — Inherited plotKES 0 🏡
KitchenKES 3,410
UtilitiesKES 230
ConnectivityKES 180
TransportKES 1,090
FamilyKES 800
Left over: KES 30

Kitchen — KES 3,410/mo

Unga (maize flour)KES 580
Rice & pastaKES 210
Sukuma/mboga (mama mboga)KES 360
Milk & tea leaves (daily chai)KES 590
SugarKES 180
Cooking oilKES 290
Meat/omena/eggsKES 420
Bread & breakfastKES 210
FruitsKES 110

🔎 Yes — even the matchbox and the salt.

Debts — KES 2,500

Fuliza revolvingKES 2,500

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

Zara Patel, 61

Salonist / hairdresser · Eldoret town · 2 kids

KES 16,700/month

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

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The money

EarnsKES 16,700
RentKES 9,185
KitchenKES 1,550
UtilitiesKES 660
ConnectivityKES 190
TransportKES 1,550
FamilyKES 2,060
Short every month by KES 25

Kitchen — KES 1,550/mo

Unga (maize flour)KES 180
Rice & pastaKES 90
Sukuma/mboga (mama mboga)KES 110
Milk & tea leaves (daily chai)KES 440
SugarKES 50
Cooking oilKES 90
Meat/omena/eggsKES 230
Bread & breakfastKES 90
FruitsKES 60

🔎 Yes — even the matchbox and the salt.

Debts — KES 10,500

Fuliza revolvingKES 2,500
Branch CRB-listedKES 8,000

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

Fatuma Warsame, 22

Civil servant (county/national) · Kitengela

KES 59,700/month

💭 Juggling several digital loans; repaying one with another.

Swipe → for the money

The money

EarnsKES 59,700
Rent — Inherited plotKES 0 🏡
KitchenKES 14,760
UtilitiesKES 10,610
ConnectivityKES 4,870
TransportKES 15,940
PersonalKES 10,450
Short every month by KES 8,310

Kitchen — KES 14,760/mo

Unga (maize flour)KES 930
Rice & pastaKES 630
Sukuma/mboga (mama mboga)KES 630
Milk & tea leaves (daily chai)KES 5,420
SugarKES 300
Cooking oilKES 570
Meat/omena/eggsKES 2,410
Bread & breakfastKES 780
FruitsKES 670

🔎 Yes — even the matchbox and the salt.

Debts — KES 47,636

Tala activeKES 23,820
KCB M-Pesa activeKES 23,816

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