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Life 1 · The AI Community

Rehema Rashid, 28

Duka/shop owner · Kasarani, Nairobi · 1 kid

KES 43,500/month

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

Swipe → for the money

The money

EarnsKES 43,500
RentKES 20,100
KitchenKES 10,130
UtilitiesKES 2,670
ConnectivityKES 1,220
TransportKES 2,560
FamilyKES 2,230
Short every month by KES 2,060

Kitchen — KES 10,130/mo

Unga (maize flour)KES 900
Rice & pastaKES 610
Sukuma/mboga (mama mboga)KES 610
Milk & tea leaves (daily chai)KES 2,520
SugarKES 290
Cooking oilKES 550
Meat/omena/eggsKES 2,320
Bread & breakfastKES 750
FruitsKES 650

🔎 Yes — even the matchbox and the salt.

Debts — KES 398,863

Zenka activeKES 9,655
Co-op Bank activeKES 247,988
Stima SACCO activeKES 141,220

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

Fatuma Duale, 41

Private school teacher · Karen, Nairobi · 2 kids

KES 30,300/month

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

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The money

EarnsKES 30,300
Rent — Lives with parentsKES 0 🏡
KitchenKES 6,740
UtilitiesKES 1,020
ConnectivityKES 560
TransportKES 10,200
FamilyKES 3,220
Left over: KES 6,330

Kitchen — KES 6,740/mo

Unga (maize flour)KES 910
Rice & pastaKES 450
Sukuma/mboga (mama mboga)KES 570
Milk & tea leaves (daily chai)KES 1,480
SugarKES 280
Cooking oilKES 490
Meat/omena/eggsKES 1,140
Bread & breakfastKES 490
FruitsKES 310

🔎 Yes — even the matchbox and the salt.

Debts — KES 93,761

Fuliza revolvingKES 1,500
Stima SACCO activeKES 92,261

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

Mwendwa Kyalo, 37

Boda boda rider · Nyali, Mombasa · 1 kid

KES 15,800/month

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

Swipe → for the money

The money

EarnsKES 15,800
RentKES 8,690
KitchenKES 4,460
UtilitiesKES 660
ConnectivityKES 360
TransportKES 990
FamilyKES 1,130
Short every month by KES 3,440

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 8,640

Fuliza revolvingKES 4,000
M-Shwari activeKES 4,640

Living beyond means.

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

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Life 4 · The AI Community

Rashid Suleiman, 47

Salonist / hairdresser · Kisumu town · 5 kids

KES 17,900/month

💭 Committed to two chamas; contributions compete with essentials.

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The money

EarnsKES 17,900
RentKES 9,845
KitchenKES 3,510
UtilitiesKES 660
ConnectivityKES 190
TransportKES 1,260
FamilyKES 4,950
Short every month by KES 4,245

Kitchen — KES 3,510/mo

Unga (maize flour)KES 490
Rice & pastaKES 240
Sukuma/mboga (mama mboga)KES 310
Milk & tea leaves (daily chai)KES 770
SugarKES 150
Cooking oilKES 260
Meat/omena/eggsKES 620
Bread & breakfastKES 260
FruitsKES 170

🔎 Yes — even the matchbox and the salt.

Living beyond means.

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

Share Full life Now try YOURS →

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Life 5 · The AI Community

Farah Sheikh, 52

Medical doctor · Nakuru town · 3 kids

KES 210,500/month

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

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The money

EarnsKES 210,500
RentKES 15,500
KitchenKES 22,630
UtilitiesKES 7,200
ConnectivityKES 4,880
TransportKES 19,450
FamilyKES 53,360
Left over: KES 49,730

Kitchen — KES 22,630/mo

Unga (maize flour)KES 1,230
Rice & pastaKES 1,230
Sukuma/mboga (mama mboga)KES 910
Milk & tea leaves (daily chai)KES 6,590
SugarKES 420
Cooking oilKES 910
Meat/omena/eggsKES 6,150
Bread & breakfastKES 1,580
FruitsKES 1,750

🔎 Yes — even the matchbox and the salt.

Debts — KES 751,133

Okolea CRB-listedKES 8,000
Equity activeKES 743,133

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 6 · The AI Community

Abdi Ahmed, 62

Fisherman (lake/coast) · Rural Nyanza (Siaya) · 2 kids

KES 13,100/month

💭 Betting stakes feel small daily; monthly they rival the rent.

Swipe → for the money

The money

EarnsKES 13,100
Rent — Lives with parentsKES 0 🏡
KitchenKES 4,280
UtilitiesKES 570
ConnectivityKES 450
TransportKES 2,170
FamilyKES 2,570
Short every month by KES 390

Kitchen — KES 4,280/mo

Unga (maize flour)KES 650
Rice & pastaKES 230
Sukuma/mboga (mama mboga)KES 400
Milk & tea leaves (daily chai)KES 950
SugarKES 200
Cooking oilKES 320
Meat/omena/eggsKES 460
Bread & breakfastKES 230
FruitsKES 120

🔎 Yes — even the matchbox and the salt.

Debts — KES 13,386

Fuliza revolvingKES 1,500
Zenka activeKES 5,886
Shylock (local) active u2014 20%/moKES 6,000

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