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Life 1 · The AI Community

Mwangi Githinji, 19

Boda boda rider · Ruiru

KES 21,500/month

💭 Still repaying the wedding/funeral harambee shortfall.

Swipe → for the money

The money

EarnsKES 21,500
RentKES 7,800
KitchenKES 4,330
UtilitiesKES 1,480
ConnectivityKES 820
TransportKES 3,040
PersonalKES 1,010
Left over: KES 2,060

Kitchen — KES 4,330/mo

Unga (maize flour)KES 400
Rice & pastaKES 200
Sukuma/mboga (mama mboga)KES 250
Milk & tea leaves (daily chai)KES 1,410
SugarKES 120
Cooking oilKES 220
Meat/omena/eggsKES 510
Bread & breakfastKES 220
FruitsKES 140

🔎 Yes — even the matchbox and the salt.

Debts — KES 132,067

Fuliza revolvingKES 1,500
Branch activeKES 10,567
Family & friends informalKES 120,000

Life 2 · The AI Community

Njoroge Karanja, 62

Medical doctor · South B, Nairobi · 4 kids

KES 214,300/month

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

Swipe → for the money

The money

EarnsKES 214,300
RentKES 33,800
KitchenKES 37,870
UtilitiesKES 8,610
ConnectivityKES 5,850
TransportKES 23,250
FamilyKES 71,250
Short every month by KES 8,000

Kitchen — KES 37,870/mo

Unga (maize flour)KES 2,310
Rice & pastaKES 2,310
Sukuma/mboga (mama mboga)KES 1,710
Milk & tea leaves (daily chai)KES 9,000
SugarKES 790
Cooking oilKES 1,710
Meat/omena/eggsKES 11,550
Bread & breakfastKES 2,970
FruitsKES 3,300

🔎 Yes — even the matchbox and the salt.

Debts — KES 1,721,193

Equity activeKES 1,318,197
Local SACCO activeKES 402,996

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 3 · 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

Life 4 · The AI Community

Munyao Musyoka, 31

KDF soldier · Eldoret town · 3 kids

KES 46,500/month

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

Swipe → for the money

The money

EarnsKES 46,500
RentKES 11,300
KitchenKES 9,890
UtilitiesKES 2,320
ConnectivityKES 1,050
TransportKES 5,830
FamilyKES 7,700
Left over: KES 2,300

Kitchen — KES 9,890/mo

Unga (maize flour)KES 910
Rice & pastaKES 620
Sukuma/mboga (mama mboga)KES 620
Milk & tea leaves (daily chai)KES 2,450
SugarKES 290
Cooking oilKES 560
Meat/omena/eggsKES 2,360
Bread & breakfastKES 760
FruitsKES 660

🔎 Yes — even the matchbox and the salt.

Debts — KES 166,993

Tala activeKES 17,095
Stima SACCO activeKES 149,898

Life 5 · The AI Community

Mwendwa Munyao, 43

Boda boda rider · Kilimani, Nairobi · 3 kids

KES 19,500/month

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

Swipe → for the money

The money

EarnsKES 19,500
Rent — Employer housing/staff quartersKES 0 🏡
KitchenKES 6,780
UtilitiesKES 890
ConnectivityKES 490
TransportKES 1,660
FamilyKES 4,030
Left over: KES 4,300

Kitchen — KES 6,780/mo

Unga (maize flour)KES 930
Rice & pastaKES 460
Sukuma/mboga (mama mboga)KES 590
Milk & tea leaves (daily chai)KES 1,490
SugarKES 280
Cooking oilKES 500
Meat/omena/eggsKES 1,170
Bread & breakfastKES 500
FruitsKES 320

🔎 Yes — even the matchbox and the salt.

Debts — KES 800

Fuliza revolvingKES 800

Life 6 · The AI Community

Kimani Kariuki, 19

House manager (domestic worker) · Kariobangi, Nairobi

KES 11,400/month

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

Swipe → for the money

The money

EarnsKES 11,400
RentKES 6,270
KitchenKES 1,270
UtilitiesKES 470
ConnectivityKES 180
TransportKES 1,450
PersonalKES 210
Left over: KES 860

Kitchen — KES 1,270/mo

Unga (maize flour)KES 140
Rice & pastaKES 50
Sukuma/mboga (mama mboga)KES 90
Milk & tea leaves (daily chai)KES 310
SugarKES 40
Cooking oilKES 70
Meat/omena/eggsKES 100
Bread & breakfastKES 50
FruitsKES 20

🔎 Yes — even the matchbox and the salt.

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