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Life 1 · The AI Community

Achieng Otieno, 33

Clinical officer · Karen, Nairobi · 3 kids

KES 81,200/month

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

Swipe → for the money

The money

EarnsKES 81,200
RentKES 44,660
KitchenKES 8,870
UtilitiesKES 2,080
ConnectivityKES 950
TransportKES 6,510
FamilyKES 5,550
Left over: KES 7,500

Kitchen — KES 8,870/mo

Unga (maize flour)KES 820
Rice & pastaKES 550
Sukuma/mboga (mama mboga)KES 550
Milk & tea leaves (daily chai)KES 2,200
SugarKES 260
Cooking oilKES 500
Meat/omena/eggsKES 2,120
Bread & breakfastKES 690
FruitsKES 590

🔎 Yes — even the matchbox and the salt.

Debts — KES 4,000

Fuliza revolvingKES 4,000

Life 2 · The AI Community

Hamisi Kombo, 38

Office cleaner · Thika town · 2 kids

KES 12,600/month

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

Swipe → for the money

The money

EarnsKES 12,600
RentKES 6,930
KitchenKES 1,820
UtilitiesKES 470
ConnectivityKES 180
TransportKES 1,810
FamilyKES 1,080
Left over: KES 50

Kitchen — KES 1,820/mo

Unga (maize flour)KES 320
Rice & pastaKES 100
Sukuma/mboga (mama mboga)KES 190
Milk & tea leaves (daily chai)KES 320
SugarKES 90
Cooking oilKES 150
Meat/omena/eggsKES 220
Bread & breakfastKES 100
FruitsKES 50

🔎 Yes — even the matchbox and the salt.

Debts — KES 6,909

Fuliza revolvingKES 800
M-Shwari activeKES 6,109

Making it work.

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

Saving toward: Car

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Life 3 · The AI Community

Chepkoech Langat, 60

House manager (domestic worker) · Rural Eastern (Kitui) · 3 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
Rent — Inherited plotKES 0 🏡
KitchenKES 4,690
UtilitiesKES 350
ConnectivityKES 280
TransportKES 1,630
FamilyKES 1,710
Left over: KES 790

Kitchen — KES 4,690/mo

Unga (maize flour)KES 830
Rice & pastaKES 290
Sukuma/mboga (mama mboga)KES 510
Milk & tea leaves (daily chai)KES 820
SugarKES 250
Cooking oilKES 410
Meat/omena/eggsKES 590
Bread & breakfastKES 290
FruitsKES 150

🔎 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: Masters/course fees

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Life 4 · The AI Community

Wanjiku Maina, 27

Clinical officer · Eldoret town

KES 60,100/month

💭 Still repaying the wedding/funeral harambee shortfall.

Swipe → for the money

The money

EarnsKES 60,100
Rent — Inherited plotKES 0 🏡
KitchenKES 14,460
UtilitiesKES 7,060
ConnectivityKES 3,230
TransportKES 10,620
PersonalKES 6,960
Left over: KES 3,210

Kitchen — KES 14,460/mo

Unga (maize flour)KES 1,240
Rice & pastaKES 840
Sukuma/mboga (mama mboga)KES 840
Milk & tea leaves (daily chai)KES 3,610
SugarKES 400
Cooking oilKES 760
Meat/omena/eggsKES 3,200
Bread & breakfastKES 1,040
FruitsKES 900

🔎 Yes — even the matchbox and the salt.

Debts — KES 465,347

Zenka activeKES 15,681
Equity activeKES 419,666
Family & friends informalKES 30,000

Making it work.

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

Saving toward: School fees runway

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Life 5 · The AI Community

Muriuki Koome, 52

Barber · Garissa town · 2 kids

KES 17,300/month

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

Swipe → for the money

The money

EarnsKES 17,300
RentKES 8,800
KitchenKES 2,750
UtilitiesKES 660
ConnectivityKES 360
TransportKES 2,140
FamilyKES 2,060
Left over: KES 50

Kitchen — KES 2,750/mo

Unga (maize flour)KES 330
Rice & pastaKES 160
Sukuma/mboga (mama mboga)KES 200
Milk & tea leaves (daily chai)KES 780
SugarKES 90
Cooking oilKES 170
Meat/omena/eggsKES 410
Bread & breakfastKES 170
FruitsKES 100

🔎 Yes — even the matchbox and the salt.

Debts — KES 7,299

M-Shwari activeKES 7,299

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 6 · The AI Community

Kariuki Njoroge, 26

Security guard · Kibera, Nairobi · 1 kid

KES 15,500/month

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

Swipe → for the money

The money

EarnsKES 15,500
RentKES 4,400
KitchenKES 4,460
UtilitiesKES 460
ConnectivityKES 360
TransportKES 1,610
FamilyKES 1,130
Left over: KES 10

Kitchen — KES 4,460/mo

Unga (maize flour)KES 590
Rice & pastaKES 290
Sukuma/mboga (mama mboga)KES 370
Milk & tea leaves (daily chai)KES 980
SugarKES 180
Cooking oilKES 310
Meat/omena/eggsKES 730
Bread & breakfastKES 310
FruitsKES 200

🔎 Yes — even the matchbox and the salt.

Debts — KES 1,500

Fuliza revolvingKES 1,500

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