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Life 1 · 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.

Swipe → for the money

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 2 · The AI Community

Rotich Koech, 53

Street hawker · Kibera, Nairobi · 3 kids

KES 14,500/month

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

Swipe → for the money

The money

EarnsKES 14,500
RentKES 3,700
KitchenKES 3,880
UtilitiesKES 670
ConnectivityKES 270
TransportKES 1,580
FamilyKES 2,070
Left over: KES 1,520

Kitchen — KES 3,880/mo

Unga (maize flour)KES 680
Rice & pastaKES 240
Sukuma/mboga (mama mboga)KES 420
Milk & tea leaves (daily chai)KES 680
SugarKES 210
Cooking oilKES 340
Meat/omena/eggsKES 490
Bread & breakfastKES 240
FruitsKES 130

🔎 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 3 · 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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Swipe ↑ for the next life

Life 4 · 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

Life 5 · The AI Community

Kioko Mutinda, 42

Barber · Kakamega town · 2 kids

KES 25,900/month

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

Swipe → for the money

The money

EarnsKES 25,900
RentKES 9,000
KitchenKES 4,290
UtilitiesKES 660
ConnectivityKES 360
TransportKES 1,610
FamilyKES 5,150
Left over: KES 550

Kitchen — KES 4,290/mo

Unga (maize flour)KES 580
Rice & pastaKES 290
Sukuma/mboga (mama mboga)KES 360
Milk & tea leaves (daily chai)KES 940
SugarKES 170
Cooking oilKES 310
Meat/omena/eggsKES 720
Bread & breakfastKES 310
FruitsKES 200

🔎 Yes — even the matchbox and the salt.

Debts — KES 131,212

Fuliza revolvingKES 2,500
Zenka activeKES 5,924
Mwalimu SACCO activeKES 122,788

Life 6 · The AI Community

Wairimu Njoroge, 34

Office clerk/admin · Rural Nyanza (Siaya) · 3 kids

KES 26,500/month

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

Swipe → for the money

The money

EarnsKES 26,500
Rent — Own homeKES 0 🏡
KitchenKES 6,890
UtilitiesKES 80
ConnectivityKES 610
TransportKES 3,300
FamilyKES 5,040
Left over: KES 7,210

Kitchen — KES 6,890/mo

Unga (maize flour)KES 860
Rice & pastaKES 430
Sukuma/mboga (mama mboga)KES 540
Milk & tea leaves (daily chai)KES 1,860
SugarKES 260
Cooking oilKES 460
Meat/omena/eggsKES 1,070
Bread & breakfastKES 460
FruitsKES 290

🔎 Yes — even the matchbox and the salt.

Debts — KES 17,500

Fuliza revolvingKES 2,500
Tala CRB-listedKES 15,000

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.

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