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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

Wanjiku Maina, 27

Clinical officer · Eldoret town

KES 60,100/month

💭 Still repaying the wedding/funeral harambee shortfall.

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The money

EarnsKES 60,100
Rent — Inherited plotKES 0 🏡
KitchenKES 14,460
UtilitiesKES 7,060
ConnectivityKES 3,230
TransportKES 10,620
PersonalKES 6,960
Left over: KES 3,210

Kitchen — KES 14,460/mo

Unga (maize flour)KES 1,240
Rice & pastaKES 840
Sukuma/mboga (mama mboga)KES 840
Milk & tea leaves (daily chai)KES 3,610
SugarKES 400
Cooking oilKES 760
Meat/omena/eggsKES 3,200
Bread & breakfastKES 1,040
FruitsKES 900

🔎 Yes — even the matchbox and the salt.

Debts — KES 465,347

Zenka activeKES 15,681
Equity activeKES 419,666
Family & friends informalKES 30,000

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 3 · The AI Community

Wekesa Wekesa, 24

Police officer · Rural Nyanza (Siaya) · 1 kid

KES 51,000/month

💭 One income, all the responsibilities u2014 no room for error.

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The money

EarnsKES 51,000
Rent — Own homeKES 0 🏡
KitchenKES 11,160
UtilitiesKES 3,930
ConnectivityKES 2,670
TransportKES 8,780
FamilyKES 4,870
Left over: KES 9,250

Kitchen — KES 11,160/mo

Unga (maize flour)KES 820
Rice & pastaKES 550
Sukuma/mboga (mama mboga)KES 550
Milk & tea leaves (daily chai)KES 3,730
SugarKES 260
Cooking oilKES 500
Meat/omena/eggsKES 2,120
Bread & breakfastKES 690
FruitsKES 590

🔎 Yes — even the matchbox and the salt.

Debts — KES 609,286

M-Shwari activeKES 21,893
KCB activeKES 388,630
Mwalimu SACCO activeKES 198,763

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

Njeri Karanja, 34

Private school teacher · Ongata Rongai

KES 16,900/month

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

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The money

EarnsKES 16,900
Rent — Own homeKES 0 🏡
KitchenKES 4,980
UtilitiesKES 1,340
ConnectivityKES 740
TransportKES 5,200
PersonalKES 1,350
Left over: KES 1,470

Kitchen — KES 4,980/mo

Unga (maize flour)KES 630
Rice & pastaKES 310
Sukuma/mboga (mama mboga)KES 400
Milk & tea leaves (daily chai)KES 1,090
SugarKES 190
Cooking oilKES 340
Meat/omena/eggsKES 790
Bread & breakfastKES 340
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: 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.

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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

Lemayian Lemayian, 61

Medical doctor · Nakuru town · 5 kids · 2 households

KES 191,400/month

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

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The money

EarnsKES 191,400
RentKES 11,800
KitchenKES 22,380
UtilitiesKES 5,310
ConnectivityKES 3,600
TransportKES 14,370
FamilyKES 56,570
Left over: KES 29,000

Kitchen — KES 22,380/mo

Unga (maize flour)KES 1,370
Rice & pastaKES 1,370
Sukuma/mboga (mama mboga)KES 1,020
Milk & tea leaves (daily chai)KES 5,320
SugarKES 470
Cooking oilKES 1,020
Meat/omena/eggsKES 6,890
Bread & breakfastKES 1,770
FruitsKES 1,970

🔎 Yes — even the matchbox and the salt.

Debts — KES 49,188

M-Shwari activeKES 49,188

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