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Life 1 · The AI Community

Ifrah Yusuf, 49

M-Pesa agent · Garissa town · 3 kids

KES 17,400/month

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

Swipe → for the money

The money

EarnsKES 17,400
RentKES 8,800
KitchenKES 4,250
UtilitiesKES 660
ConnectivityKES 360
TransportKES 2,140
FamilyKES 2,930
Short every month by KES 3,510

Kitchen — KES 4,250/mo

Unga (maize flour)KES 580
Rice & pastaKES 290
Sukuma/mboga (mama mboga)KES 370
Milk & tea leaves (daily chai)KES 930
SugarKES 180
Cooking oilKES 310
Meat/omena/eggsKES 730
Bread & breakfastKES 310
FruitsKES 200

🔎 Yes — even the matchbox and the salt.

Debts — KES 4,000

Fuliza revolvingKES 4,000

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

Kariuki Karanja, 53

KDF soldier · Kitengela · 3 kids

KES 40,100/month

💭 Sends money home every month without fail; own savings keep stalling.

Swipe → for the money

The money

EarnsKES 40,100
RentKES 12,500
KitchenKES 8,730
UtilitiesKES 2,080
ConnectivityKES 950
TransportKES 5,250
FamilyKES 6,920
Left over: KES 40

Kitchen — KES 8,730/mo

Unga (maize flour)KES 810
Rice & pastaKES 540
Sukuma/mboga (mama mboga)KES 540
Milk & tea leaves (daily chai)KES 2,170
SugarKES 260
Cooking oilKES 490
Meat/omena/eggsKES 2,090
Bread & breakfastKES 670
FruitsKES 580

🔎 Yes — even the matchbox and the salt.

Debts — KES 122,066

Equity activeKES 122,066

Life 3 · The AI Community

Kavata Mwendwa, 36

House manager (domestic worker) · Kibera, Nairobi · 4 kids

KES 9,200/month

💭 Sends money home every month without fail; own savings keep stalling.

Swipe → for the money

The money

EarnsKES 9,200
Rent — Employer housing/staff quartersKES 0 🏡
KitchenKES 3,730
UtilitiesKES 460
ConnectivityKES 180
TransportKES 1,090
FamilyKES 2,440
Left over: KES 270

Kitchen — KES 3,730/mo

Unga (maize flour)KES 620
Rice & pastaKES 220
Sukuma/mboga (mama mboga)KES 380
Milk & tea leaves (daily chai)KES 780
SugarKES 190
Cooking oilKES 310
Meat/omena/eggsKES 440
Bread & breakfastKES 220
FruitsKES 110

🔎 Yes — even the matchbox and the salt.

Debts — KES 1,500

Fuliza revolvingKES 1,500

Life 4 · The AI Community

Nekesa Juma, 28

Street hawker · Kakamega town

KES 10,100/month

💭 Sends money home every month without fail; own savings keep stalling.

Swipe → for the money

The money

EarnsKES 10,100
RentKES 5,555
KitchenKES 1,550
UtilitiesKES 470
ConnectivityKES 180
TransportKES 1,090
PersonalKES 160
Left over: KES 5

Kitchen — KES 1,550/mo

Unga (maize flour)KES 240
Rice & pastaKES 80
Sukuma/mboga (mama mboga)KES 150
Milk & tea leaves (daily chai)KES 260
SugarKES 70
Cooking oilKES 120
Meat/omena/eggsKES 170
Bread & breakfastKES 80
FruitsKES 40

🔎 Yes — even the matchbox and the salt.

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 5 · The AI Community

Maina Ndung'u, 50

Mama mboga (grocery kiosk) · Rural Rift (Bomet) · 3 kids

KES 20,500/month

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

Swipe → for the money

The money

EarnsKES 20,500
Rent — Inherited plotKES 0 🏡
KitchenKES 8,110
UtilitiesKES 350
ConnectivityKES 580
TransportKES 3,120
FamilyKES 4,670
Left over: KES 2,030

Kitchen — KES 8,110/mo

Unga (maize flour)KES 1,010
Rice & pastaKES 500
Sukuma/mboga (mama mboga)KES 640
Milk & tea leaves (daily chai)KES 2,190
SugarKES 310
Cooking oilKES 540
Meat/omena/eggsKES 1,260
Bread & breakfastKES 540
FruitsKES 350

🔎 Yes — even the matchbox and the salt.

Debts — KES 15,893

Fuliza revolvingKES 4,000
Tala activeKES 11,893

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 6 · The AI Community

Mumbua Mutua, 49

Security guard · Old Town, Mombasa · 5 kids

KES 12,100/month

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

Swipe → for the money

The money

EarnsKES 12,100
RentKES 6,655
KitchenKES 2,730
UtilitiesKES 470
ConnectivityKES 90
TransportKES 690
FamilyKES 2,240
Short every month by KES 1,795

Kitchen — KES 2,730/mo

Unga (maize flour)KES 500
Rice & pastaKES 170
Sukuma/mboga (mama mboga)KES 300
Milk & tea leaves (daily chai)KES 480
SugarKES 150
Cooking oilKES 240
Meat/omena/eggsKES 350
Bread & breakfastKES 170
FruitsKES 90

🔎 Yes — even the matchbox and the salt.

Debts — KES 11,500

Fuliza revolvingKES 1,500
Shylock (local) active u2014 20%/moKES 10,000

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