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Life 1 · The AI Community

Njoroge Kariuki, 46

Matatu tout/driver · Rural Nyanza (Siaya) · 4 kids

KES 21,200/month

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

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The money

EarnsKES 21,200
Rent — Inherited plotKES 0 🏡
KitchenKES 5,770
UtilitiesKES 260
ConnectivityKES 420
TransportKES 1,580
FamilyKES 4,750
Left over: KES 4,290

Kitchen — KES 5,770/mo

Unga (maize flour)KES 800
Rice & pastaKES 400
Sukuma/mboga (mama mboga)KES 510
Milk & tea leaves (daily chai)KES 1,270
SugarKES 240
Cooking oilKES 430
Meat/omena/eggsKES 1,010
Bread & breakfastKES 430
FruitsKES 270

🔎 Yes — even the matchbox and the salt.

Debts — KES 800

Fuliza revolvingKES 800

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 2 · The AI Community

Lemayian Lemayian, 61

Medical doctor · Nakuru town · 5 kids · 2 households

KES 191,400/month

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

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The money

EarnsKES 191,400
RentKES 11,800
KitchenKES 22,380
UtilitiesKES 5,310
ConnectivityKES 3,600
TransportKES 14,370
FamilyKES 56,570
Left over: KES 29,000

Kitchen — KES 22,380/mo

Unga (maize flour)KES 1,370
Rice & pastaKES 1,370
Sukuma/mboga (mama mboga)KES 1,020
Milk & tea leaves (daily chai)KES 5,320
SugarKES 470
Cooking oilKES 1,020
Meat/omena/eggsKES 6,890
Bread & breakfastKES 1,770
FruitsKES 1,970

🔎 Yes — even the matchbox and the salt.

Debts — KES 49,188

M-Shwari activeKES 49,188

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 3 · The AI Community

Wangari Maina, 18

Office clerk/admin · Kibera, Nairobi

KES 41,900/month

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

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The money

EarnsKES 41,900
RentKES 3,400
KitchenKES 9,640
UtilitiesKES 4,260
ConnectivityKES 2,690
TransportKES 3,070
PersonalKES 5,800
Left over: KES 7,730

Kitchen — KES 9,640/mo

Unga (maize flour)KES 610
Rice & pastaKES 410
Sukuma/mboga (mama mboga)KES 410
Milk & tea leaves (daily chai)KES 3,540
SugarKES 190
Cooking oilKES 370
Meat/omena/eggsKES 1,570
Bread & breakfastKES 510
FruitsKES 440

🔎 Yes — even the matchbox and the salt.

Debts — KES 486,607

M-Shwari activeKES 12,079
Equity activeKES 304,207
Mwalimu SACCO activeKES 170,321

Life 4 · The AI Community

Kirimi Mutuma, 32

Matatu tout/driver · Rural Rift (Bomet) · 1 kid

KES 23,800/month

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

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The money

EarnsKES 23,800
Rent — Employer housing/staff quartersKES 0 🏡
KitchenKES 6,680
UtilitiesKES 150
ConnectivityKES 1,090
TransportKES 4,470
FamilyKES 3,380
Left over: KES 2,560

Kitchen — KES 6,680/mo

Unga (maize flour)KES 730
Rice & pastaKES 360
Sukuma/mboga (mama mboga)KES 460
Milk & tea leaves (daily chai)KES 1,990
SugarKES 220
Cooking oilKES 390
Meat/omena/eggsKES 920
Bread & breakfastKES 390
FruitsKES 250

🔎 Yes — even the matchbox and the salt.

Debts — KES 109,098

Mwalimu SACCO activeKES 109,098

Life 5 · The AI Community

Juma Simiyu, 38

Mjengo (construction) worker · Rural Coast (Kilifi) · 3 kids

KES 11,000/month

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

Swipe → for the money

The money

EarnsKES 11,000
Rent — Inherited plotKES 0 🏡
KitchenKES 4,060
UtilitiesKES 300
ConnectivityKES 240
TransportKES 1,170
FamilyKES 1,480
Left over: KES 870

Kitchen — KES 4,060/mo

Unga (maize flour)KES 720
Rice & pastaKES 250
Sukuma/mboga (mama mboga)KES 440
Milk & tea leaves (daily chai)KES 710
SugarKES 220
Cooking oilKES 360
Meat/omena/eggsKES 510
Bread & breakfastKES 250
FruitsKES 130

🔎 Yes — even the matchbox and the salt.

Debts — KES 4,000

Fuliza revolvingKES 4,000

Life 6 · The AI Community

Wanjiku Mwangi, 60

Mjengo (construction) worker · Garissa town · 2 kids

KES 18,000/month

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

Swipe → for the money

The money

EarnsKES 18,000
RentKES 7,000
KitchenKES 4,610
UtilitiesKES 660
ConnectivityKES 360
TransportKES 2,140
FamilyKES 2,060
Left over: KES 50

Kitchen — KES 4,610/mo

Unga (maize flour)KES 620
Rice & pastaKES 310
Sukuma/mboga (mama mboga)KES 390
Milk & tea leaves (daily chai)KES 1,020
SugarKES 190
Cooking oilKES 330
Meat/omena/eggsKES 780
Bread & breakfastKES 330
FruitsKES 210

🔎 Yes — even the matchbox and the salt.

Debts — KES 52,093

Unaitas activeKES 52,093

Making it work.

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

Saving toward: Business capital

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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