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Life 1 · The AI Community

Wanjiku Mwangi, 60

Mjengo (construction) worker · Garissa town · 2 kids

KES 18,000/month

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

Swipe → for the money

The money

EarnsKES 18,000
RentKES 7,000
KitchenKES 4,610
UtilitiesKES 660
ConnectivityKES 360
TransportKES 2,140
FamilyKES 2,060
Left over: KES 50

Kitchen — KES 4,610/mo

Unga (maize flour)KES 620
Rice & pastaKES 310
Sukuma/mboga (mama mboga)KES 390
Milk & tea leaves (daily chai)KES 1,020
SugarKES 190
Cooking oilKES 330
Meat/omena/eggsKES 780
Bread & breakfastKES 330
FruitsKES 210

🔎 Yes — even the matchbox and the salt.

Debts — KES 52,093

Unaitas activeKES 52,093

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 2 · 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 →

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Life 3 · The AI Community

Kwamboka Momanyi, 24

Public school teacher (TSC) · Rural Eastern (Kitui) · 1 kid

KES 36,600/month

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

Swipe → for the money

The money

EarnsKES 36,600
Rent — Family land (upcountry home)KES 0 🏡
KitchenKES 8,680
UtilitiesKES 870
ConnectivityKES 1,410
TransportKES 4,210
FamilyKES 4,180
Left over: KES 5,110

Kitchen — KES 8,680/mo

Unga (maize flour)KES 950
Rice & pastaKES 470
Sukuma/mboga (mama mboga)KES 600
Milk & tea leaves (daily chai)KES 2,580
SugarKES 290
Cooking oilKES 510
Meat/omena/eggsKES 1,190
Bread & breakfastKES 510
FruitsKES 330

🔎 Yes — even the matchbox and the salt.

Debts — KES 91,932

Fuliza revolvingKES 4,000
Unaitas activeKES 87,932

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 4 · The AI Community

Kiplagat Sang, 19

Security guard · Old Town, Mombasa · 1 kid

KES 18,100/month

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

Swipe → for the money

The money

EarnsKES 18,100
RentKES 9,955
KitchenKES 3,580
UtilitiesKES 660
ConnectivityKES 360
TransportKES 1,270
FamilyKES 1,080
Short every month by KES 1,015

Kitchen — KES 3,580/mo

Unga (maize flour)KES 470
Rice & pastaKES 230
Sukuma/mboga (mama mboga)KES 300
Milk & tea leaves (daily chai)KES 780
SugarKES 140
Cooking oilKES 250
Meat/omena/eggsKES 590
Bread & breakfastKES 250
FruitsKES 160

🔎 Yes — even the matchbox and the salt.

Debts — KES 21,760

Fuliza revolvingKES 2,500
Zenka activeKES 4,260
Okolea CRB-listedKES 15,000

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

Musyoka Musyoka, 34

Private school teacher · Ruiru · 1 kid

KES 19,000/month

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

Swipe → for the money

The money

EarnsKES 19,000
Rent — Inherited plotKES 0 🏡
KitchenKES 4,730
UtilitiesKES 870
ConnectivityKES 470
TransportKES 3,830
FamilyKES 1,490
Left over: KES 5,650

Kitchen — KES 4,730/mo

Unga (maize flour)KES 620
Rice & pastaKES 310
Sukuma/mboga (mama mboga)KES 390
Milk & tea leaves (daily chai)KES 1,040
SugarKES 190
Cooking oilKES 330
Meat/omena/eggsKES 780
Bread & breakfastKES 330
FruitsKES 210

🔎 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 6 · The AI Community

Wanjiku Ndung'u, 25

Dairy/tea farmer · Rural North (Wajir) · 1 kid

KES 27,300/month

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

Swipe → for the money

The money

EarnsKES 27,300
Rent — Employer housing/staff quartersKES 0 🏡
KitchenKES 9,870
UtilitiesKES 620
ConnectivityKES 1,000
TransportKES 4,450
FamilyKES 3,120
Short every month by KES 870

Kitchen — KES 9,870/mo

Unga (maize flour)KES 1,300
Rice & pastaKES 650
Sukuma/mboga (mama mboga)KES 820
Milk & tea leaves (daily chai)KES 2,170
SugarKES 400
Cooking oilKES 700
Meat/omena/eggsKES 1,630
Bread & breakfastKES 700
FruitsKES 450

🔎 Yes — even the matchbox and the salt.

Debts — KES 2,500

Fuliza revolvingKES 2,500

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