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Life 1 · The AI Community

Nekesa Juma, 28

Street hawker · Kakamega town

KES 10,100/month

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

Swipe → for the money

The money

EarnsKES 10,100
RentKES 5,555
KitchenKES 1,550
UtilitiesKES 470
ConnectivityKES 180
TransportKES 1,090
PersonalKES 160
Left over: KES 5

Kitchen — KES 1,550/mo

Unga (maize flour)KES 240
Rice & pastaKES 80
Sukuma/mboga (mama mboga)KES 150
Milk & tea leaves (daily chai)KES 260
SugarKES 70
Cooking oilKES 120
Meat/omena/eggsKES 170
Bread & breakfastKES 80
FruitsKES 40

🔎 Yes — even the matchbox and the salt.

Making it work.

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

Saving toward: Build upcountry house

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Life 2 · The AI Community

Ochieng Okello, 40

Matatu tout/driver · Nakuru town · 1 kid

KES 24,300/month

💭 Committed to two chamas; contributions compete with essentials.

Swipe → for the money

The money

EarnsKES 24,300
Rent — Employer housing/staff quartersKES 0 🏡
KitchenKES 6,060
UtilitiesKES 1,300
ConnectivityKES 720
TransportKES 3,050
FamilyKES 2,250
Left over: KES 7,010

Kitchen — KES 6,060/mo

Unga (maize flour)KES 800
Rice & pastaKES 400
Sukuma/mboga (mama mboga)KES 500
Milk & tea leaves (daily chai)KES 1,330
SugarKES 240
Cooking oilKES 430
Meat/omena/eggsKES 1,000
Bread & breakfastKES 430
FruitsKES 270

🔎 Yes — even the matchbox and the salt.

Debts — KES 13,531

Fuliza revolvingKES 4,000
Zenka activeKES 9,531

Life 3 · The AI Community

Nekesa Wekesa, 21

Nurse · Thika town

KES 43,700/month

💭 Fuliza swallows the float every mid-month u2014 payday clears it, then the cycle restarts.

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The money

EarnsKES 43,700
Rent — Inherited plotKES 0 🏡
KitchenKES 7,650
UtilitiesKES 5,490
ConnectivityKES 2,520
TransportKES 4,780
PersonalKES 5,420
Left over: KES 10,850

Kitchen — KES 7,650/mo

Unga (maize flour)KES 480
Rice & pastaKES 320
Sukuma/mboga (mama mboga)KES 320
Milk & tea leaves (daily chai)KES 2,810
SugarKES 150
Cooking oilKES 290
Meat/omena/eggsKES 1,250
Bread & breakfastKES 400
FruitsKES 350

🔎 Yes — even the matchbox and the salt.

Debts — KES 101,786

Fuliza revolvingKES 2,500
Zenka activeKES 11,901
Local SACCO activeKES 87,385

Making it work.

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

Saving toward: Build upcountry house

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Life 4 · The AI Community

Hamisi Kombo, 38

Office cleaner · Thika town · 2 kids

KES 12,600/month

💭 Fuliza swallows the float every mid-month u2014 payday clears it, then the cycle restarts.

Swipe → for the money

The money

EarnsKES 12,600
RentKES 6,930
KitchenKES 1,820
UtilitiesKES 470
ConnectivityKES 180
TransportKES 1,810
FamilyKES 1,080
Left over: KES 50

Kitchen — KES 1,820/mo

Unga (maize flour)KES 320
Rice & pastaKES 100
Sukuma/mboga (mama mboga)KES 190
Milk & tea leaves (daily chai)KES 320
SugarKES 90
Cooking oilKES 150
Meat/omena/eggsKES 220
Bread & breakfastKES 100
FruitsKES 50

🔎 Yes — even the matchbox and the salt.

Debts — KES 6,909

Fuliza revolvingKES 800
M-Shwari activeKES 6,109

Making it work.

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

Saving toward: Car

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Life 5 · The AI Community

Anjali Raj, 20

Office clerk/admin · Old Town, Mombasa

KES 40,700/month

💭 One emergency away from zero u2014 no cushion at all.

Swipe → for the money

The money

EarnsKES 40,700
Rent — Employer housing/staff quartersKES 0 🏡
KitchenKES 9,760
UtilitiesKES 4,060
ConnectivityKES 1,850
TransportKES 6,100
PersonalKES 3,990
Left over: KES 11,000

Kitchen — KES 9,760/mo

Unga (maize flour)KES 840
Rice & pastaKES 560
Sukuma/mboga (mama mboga)KES 560
Milk & tea leaves (daily chai)KES 2,440
SugarKES 270
Cooking oilKES 510
Meat/omena/eggsKES 2,160
Bread & breakfastKES 700
FruitsKES 610

🔎 Yes — even the matchbox and the salt.

Debts — KES 189,151

M-Shwari activeKES 10,562
Stima SACCO activeKES 178,589

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 6 · The AI Community

Chepkoech Langat, 60

House manager (domestic worker) · Rural Eastern (Kitui) · 3 kids

KES 10,600/month

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

Swipe → for the money

The money

EarnsKES 10,600
Rent — Inherited plotKES 0 🏡
KitchenKES 4,690
UtilitiesKES 350
ConnectivityKES 280
TransportKES 1,630
FamilyKES 1,710
Left over: KES 790

Kitchen — KES 4,690/mo

Unga (maize flour)KES 830
Rice & pastaKES 290
Sukuma/mboga (mama mboga)KES 510
Milk & tea leaves (daily chai)KES 820
SugarKES 250
Cooking oilKES 410
Meat/omena/eggsKES 590
Bread & breakfastKES 290
FruitsKES 150

🔎 Yes — even the matchbox and the salt.

Making it work.

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

Saving toward: Masters/course fees

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