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Life 1 · The AI Community

Hamisi Kombo, 22

M-Pesa agent · Nyali, Mombasa

KES 21,400/month

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

Swipe → for the money

The money

EarnsKES 21,400
Rent — Lives with parentsKES 0 🏡
KitchenKES 4,450
UtilitiesKES 1,530
ConnectivityKES 840
TransportKES 6,320
PersonalKES 1,040
Left over: KES 5,750

Kitchen — KES 4,450/mo

Unga (maize flour)KES 420
Rice & pastaKES 210
Sukuma/mboga (mama mboga)KES 260
Milk & tea leaves (daily chai)KES 1,450
SugarKES 120
Cooking oilKES 220
Meat/omena/eggsKES 520
Bread & breakfastKES 220
FruitsKES 140

🔎 Yes — even the matchbox and the salt.

Debts — KES 103,662

Fuliza revolvingKES 2,500
Mwalimu SACCO activeKES 101,162

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 2 · The AI Community

Musyoka Munyao, 55

Duka/shop owner · Rural Coast (Kilifi) · 3 kids

KES 39,400/month

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

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The money

EarnsKES 39,400
Rent — Lives with parentsKES 0 🏡
KitchenKES 10,450
UtilitiesKES 670
ConnectivityKES 1,100
TransportKES 5,900
FamilyKES 9,020
Left over: KES 4,200

Kitchen — KES 10,450/mo

Unga (maize flour)KES 1,300
Rice & pastaKES 650
Sukuma/mboga (mama mboga)KES 820
Milk & tea leaves (daily chai)KES 2,820
SugarKES 400
Cooking oilKES 700
Meat/omena/eggsKES 1,630
Bread & breakfastKES 700
FruitsKES 450

🔎 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: Business capital

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Life 3 · The AI Community

Anyango Ouma, 57

Office cleaner · Rural Western (Bungoma) · 2 kids

KES 13,800/month

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

Swipe → for the money

The money

EarnsKES 13,800
Rent — Family land (upcountry home)KES 0 🏡
KitchenKES 5,870
UtilitiesKES 510
ConnectivityKES 400
TransportKES 1,970
FamilyKES 1,730
Left over: KES 1,550

Kitchen — KES 5,870/mo

Unga (maize flour)KES 1,010
Rice & pastaKES 360
Sukuma/mboga (mama mboga)KES 630
Milk & tea leaves (daily chai)KES 1,020
SugarKES 310
Cooking oilKES 500
Meat/omena/eggsKES 720
Bread & breakfastKES 360
FruitsKES 190

🔎 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: Boda/loan clearance

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Life 4 · The AI Community

Okoth Ogutu, 45

Medical doctor · Nakuru town · 3 kids

KES 208,000/month

💭 Weekend club nights at 500 bob a beer are quietly a plot deposit.

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The money

EarnsKES 208,000
RentKES 11,000
KitchenKES 50,750
UtilitiesKES 10,580
ConnectivityKES 7,170
TransportKES 28,520
FamilyKES 58,890
Short every month by KES 21,630

Kitchen — KES 50,750/mo

Unga (maize flour)KES 3,060
Rice & pastaKES 3,060
Sukuma/mboga (mama mboga)KES 2,270
Milk & tea leaves (daily chai)KES 12,070
SugarKES 1,040
Cooking oilKES 2,270
Meat/omena/eggsKES 15,300
Bread & breakfastKES 3,930
FruitsKES 4,370

🔎 Yes — even the matchbox and the salt.

Debts — KES 626,955

Zenka activeKES 47,481
Okolea CRB-listedKES 15,000
Co-op Bank activeKES 564,474

Living beyond means.

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

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Life 5 · 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

Life 6 · 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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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