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Life 1 · The AI Community

Okoth Okoth, 35

Matatu tout/driver · Nyali, Mombasa · 4 kids

KES 19,200/month

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

Swipe → for the money

The money

EarnsKES 19,200
RentKES 10,560
KitchenKES 3,140
UtilitiesKES 660
ConnectivityKES 190
TransportKES 660
FamilyKES 4,070
Short every month by KES 770

Kitchen — KES 3,140/mo

Unga (maize flour)KES 440
Rice & pastaKES 220
Sukuma/mboga (mama mboga)KES 270
Milk & tea leaves (daily chai)KES 690
SugarKES 130
Cooking oilKES 230
Meat/omena/eggsKES 550
Bread & breakfastKES 230
FruitsKES 140

🔎 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.

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Life 2 · 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 3 · The AI Community

Barasa Wanjala, 30

Police officer · Old Town, Mombasa · 3 kids

KES 43,000/month

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

Swipe → for the money

The money

EarnsKES 43,000
RentKES 11,300
KitchenKES 7,540
UtilitiesKES 2,080
ConnectivityKES 950
TransportKES 3,370
FamilyKES 11,120
Left over: KES 10

Kitchen — KES 7,540/mo

Unga (maize flour)KES 700
Rice & pastaKES 470
Sukuma/mboga (mama mboga)KES 470
Milk & tea leaves (daily chai)KES 1,870
SugarKES 220
Cooking oilKES 420
Meat/omena/eggsKES 1,800
Bread & breakfastKES 580
FruitsKES 500

🔎 Yes — even the matchbox and the salt.

Life 4 · The AI Community

Otieno Ogutu, 54

Office clerk/admin · Old Town, Mombasa · 3 kids · 2 households

KES 43,600/month

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

Swipe → for the money

The money

EarnsKES 43,600
Rent — Own homeKES 0 🏡
KitchenKES 11,750
UtilitiesKES 2,210
ConnectivityKES 1,000
TransportKES 5,550
FamilyKES 8,780
Left over: KES 5,240

Kitchen — KES 11,750/mo

Unga (maize flour)KES 1,090
Rice & pastaKES 730
Sukuma/mboga (mama mboga)KES 730
Milk & tea leaves (daily chai)KES 2,910
SugarKES 350
Cooking oilKES 660
Meat/omena/eggsKES 2,810
Bread & breakfastKES 910
FruitsKES 790

🔎 Yes — even the matchbox and the salt.

Debts — KES 92,853

Branch activeKES 14,215
Mwalimu SACCO activeKES 78,638

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 5 · The AI Community

Njoroge Kamau, 29

Tailor / fundi wa nguo · Kisumu town · 2 kids

KES 18,600/month

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

Swipe → for the money

The money

EarnsKES 18,600
Rent — Own homeKES 0 🏡
KitchenKES 5,260
UtilitiesKES 1,210
ConnectivityKES 670
TransportKES 2,350
FamilyKES 3,610
Left over: KES 3,670

Kitchen — KES 5,260/mo

Unga (maize flour)KES 620
Rice & pastaKES 310
Sukuma/mboga (mama mboga)KES 390
Milk & tea leaves (daily chai)KES 1,480
SugarKES 190
Cooking oilKES 330
Meat/omena/eggsKES 780
Bread & breakfastKES 330
FruitsKES 210

🔎 Yes — even the matchbox and the salt.

Debts — KES 63,372

Unaitas activeKES 63,372

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