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Life 1 · 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 2 · The AI Community

Njeri Karanja, 29

M-Pesa agent · Kasarani, Nairobi · 1 kid

KES 16,900/month

💭 Committed to two chamas; contributions compete with essentials.

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The money

EarnsKES 16,900
RentKES 9,295
KitchenKES 1,780
UtilitiesKES 660
ConnectivityKES 360
TransportKES 2,520
FamilyKES 1,130
Left over: KES 55

Kitchen — KES 1,780/mo

Unga (maize flour)KES 190
Rice & pastaKES 90
Sukuma/mboga (mama mboga)KES 120
Milk & tea leaves (daily chai)KES 540
SugarKES 50
Cooking oilKES 100
Meat/omena/eggsKES 240
Bread & breakfastKES 100
FruitsKES 60

🔎 Yes — even the matchbox and the salt.

Debts — KES 41,565

Fuliza revolvingKES 4,000
Stima SACCO activeKES 37,565

Life 3 · The AI Community

Onyango Odhiambo, 20

Mjengo (construction) worker · Rural Western (Bungoma)

KES 11,400/month

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

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The money

EarnsKES 11,400
Rent — Inherited plotKES 0 🏡
KitchenKES 1,560
UtilitiesKES 230
ConnectivityKES 180
TransportKES 900
FamilyKES 2,100
Left over: KES 2,070

Kitchen — KES 1,560/mo

Unga (maize flour)KES 180
Rice & pastaKES 60
Sukuma/mboga (mama mboga)KES 110
Milk & tea leaves (daily chai)KES 390
SugarKES 50
Cooking oilKES 90
Meat/omena/eggsKES 130
Bread & breakfastKES 60
FruitsKES 30

🔎 Yes — even the matchbox and the salt.

Debts — KES 3,000

Shylock (local) active u2014 20%/moKES 3,000

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 4 · 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.

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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 5 · 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.

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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.

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Life 6 · The AI Community

Wangari Kamau, 18

Mama mboga (grocery kiosk) · Old Town, Mombasa

KES 14,300/month

💭 CRB-listed over an old mobile loan; locked out of new credit.

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The money

EarnsKES 14,300
RentKES 7,865
KitchenKES 1,980
UtilitiesKES 570
ConnectivityKES 230
TransportKES 1,580
PersonalKES 400
Left over: KES 1,385

Kitchen — KES 1,980/mo

Unga (maize flour)KES 220
Rice & pastaKES 80
Sukuma/mboga (mama mboga)KES 140
Milk & tea leaves (daily chai)KES 490
SugarKES 70
Cooking oilKES 110
Meat/omena/eggsKES 160
Bread & breakfastKES 80
FruitsKES 40

🔎 Yes — even the matchbox and the salt.

Debts — KES 18,384

Fuliza revolvingKES 2,500
Zenka activeKES 7,884
Branch CRB-listedKES 8,000

Making it work.

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

Saving toward: Wedding fund

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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