Kobbie was brought up in Stockport by his parents, Felix and Abena Mainoo, who are both originally from Ghana, Felix born in Kumasi and growing up in the Volta region, and Abena being from the adjacent Greater Accra region. His family has always allowed him to chase his dreams whilst reminding him that we are all human beings and nothing more than that. This companionship and humility can be seen in Kobbie's demeanor and behavior on and off the pitch. He has siblings, and reports suggest that their household was close-knit, full of support and encouragement, but never very loud or ostentatious. While some football players who may rise to stardom at a young age can become distracted by such fame, Kobbie appears to have managed areas of distraction, concentrating on his journey at Manchester United's youth academy. Moreover, education has importance, and whilst he garnered attention from scouts and coaches, Mainoo was urged from an early age to remain disciplined in school education. This balance is shaping his maturation as a young man and footballer, grappling with the pressures that top-level football imposes.
As for 2025, Kobbie Mainoo net worth is estimated at around £1 million. In light of the fact that he is essentially still at the start of his professional playing career, this number includes club salary, bonuses, and some early endorsements. Most of his income comes from his Manchester United contract. When he broke into the first team, he signed a long-term deal, so this is guaranteed money. His next prominent earnings stream is his boot contract, which is offered by the brand Adidas, and depending on terms, could be a notable part of his internationally recognised earnings and visibility in the sport. Therefore, Kobbie's earning trajectory should ramp up quickly in the next three years as he is likely to become a regular starter and earn valuable brand deals, affiliated with his playing reputation. Unlike other young stars, Kobbie has lived a low key life with no high-end cars or undue splurging, his mindset is on the football pitch, which is a good indication for him moving forward to financial security, if he continues his current trajectory, Kobbie should be looking at a multi-million net worth when he hits the early 20s stage.