Planning your finances is an important part of preparing to study in Finland. Before applying, make sure you understand the expected tuition fees, living expenses and other costs, and have a realistic plan for funding your studies.
Tuition fees and living expenses
The cost of studying in Finland depends on your study programme, nationality and personal spending habits.
- Living expenses: We recommend budgeting approximately €900–€1,200 per month (€10,800–€14,400 per year) for accommodation, food, transport and other everyday expenses.
- Tuition fees: Students from outside the EU/EEA and Switzerland generally pay tuition fees of €9,000–€20,000 per year for English-taught bachelor's and master's programmes. Doctoral programmes do not charge tuition fees, regardless of nationality.
If you are required to pay tuition fees, your estimated annual budget will be approximately €19,800–€34,400, excluding additional costs such as insurance, travel, application fees and applicable student healthcare and student union fees.
Scholarships and financial requirements
Many Finnish universities offer scholarships or tuition fee waivers for international students, but these are competitive and generally cover tuition fees only, not living expenses.
Be cautious of advertisements promoting "Finland government scholarships". Finland does not offer government scholarships for international degree students at any level of study.
If you need a student residence permit, you must demonstrate that you have sufficient funds to support yourself. The minimum financial requirement is currently €800 per month (€9,600 per year). However, actual living expenses are typically higher, which is why we recommend budgeting €900–€1,200 per month.
Can you finance your studies by working part-time?
International students may work part-time while studying in Finland, but finding a job can be challenging, especially without Finnish or Swedish language skills. Part-time earnings may help cover some expenses, but you should not rely on finding employment to finance your studies or living costs.
Plan your budget before applying
A realistic financial plan will help you prepare for your studies and make the most of your time in Finland. Research the tuition fees and scholarship options offered by your chosen university, estimate your living expenses and ensure you have sufficient funding before making your decision.
For more information, see our guide on funding your studies.