Last updated on May 6th, 2026 at 10:58 am
Pernah kepikiran buat tinggal, kerja, atau kuliah di Finlandia? Negara Nordik yang satu ini dikenal banget dengan kualitas hidupnya yang tinggi, sistem pendidikan yang top, dan lingkungannya yang super bersih. Tapi, kamu juga perlu siap-siap soal biaya hidupnya yang nggak bisa dibilang murah. Nah, biar kamu nggak kaget dan bisa merencanakan segalanya dengan matang, yuk simak penjelasan lengkap soal kebutuhan biaya hidup di Finlandia!
Read also: The Most Expensive and Cheapest Cost of Living Abroad
Living Expenses in Finland
List of contents
Tinggal di negara empat musim seperti Finlandia tentunya punya tantangan dan keunikan tersendiri. Mulai dari makanan, tempat tinggal, transportasi, sampai urusan kesehatan semua harus dipikirkan secara detail. Nah, berikut ini rincian lengkapnya!
Cost of Living in Finland
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Meal cost
If you enjoy eating out, be prepared to spend more. A meal at a regular restaurant can cost around €11–15 per meal, while dinner at a mid-range restaurant can go up to €20–35.
However, if you prefer cooking at home, your monthly grocery budget for one person typically ranges between €300–400. Some popular and affordable supermarkets include K-Market and S-Market.
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Housing Costs
The cost of rent in Finland greatly depends on the city and location. Here’s the rent range for a 1-bedroom apartment:
- Helsinki (city center): €900–1,300/month
- Helsinki (suburbs): €700–1,000/month
- Other cities like Tampere or Turku: €600–900/month
You will also likely need to pay a deposit of 1–2 months’ rent at the beginning of the lease.
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Transportation costs
Public transportation in Finland is known for being punctual and very comfortable.
- Single ticket: €2.80–4.10 (depending on the zone)
- Monthly card: around €60 in Helsinki
- Taxi ride (5 km): around €15–20
If you live not too far from your campus or office, you can also use a bicycle. It’s not only cost-effective but also healthy!
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Healthcare Costs
Finland has a good and affordable public healthcare system.
- Visit to a public health center: €20–25
- Private health insurance: €30–60 per month
- Dental checkup (public clinic): €40–60
Interestingly, Finland has an annual spending cap for medical costs. Once you exceed that limit, services become free. Pretty cool, right?
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Miscellaneous expense
Don’t forget about other expenses like utilities and daily necessities:
- Electricity, water, heating, waste: €100–200/month
- Fast internet: €20–40/month
- Phone & data package: €20–35/month
- Gym: €25–65/month
- Cinema tickets: €13–19 per ticket
Read also: 8 Easy Ways to Transfer Money Abroad
Daily Living Expenses
If you live in Finland, basic necessities like food and household items are an important part of daily expenses. While the prices tend to be higher compared to Indonesia, the quality of the items is also excellent — fresh, clean, and of a high standard.
Here’s an overview of the prices for some daily necessities in Finland in 2025:
| Item | Estimated Price |
| Milk (1 liter) | €1.40 |
| Fresh white bread (1 kg) | €5.46 |
| Eggs (12 eggs) | €2.95 |
| Local cheese (1 kg) | €9.16 |
| Chicken fillet (1 kg) | €13.13 |
| Beef (1 kg) | €19.46 |
| Apple (1 kg) | €2.96 |
| Bananas (1 kg) | €2.17 |
| Tomatoes (1 kg) | €4.32 |
| Potatoes (1 kg) | €1.33 |
| Onions (1 kg) | €1.90 |
| Lettuce (1 head) | €2.24 |
Money-Saving Tips in Finland
Biar pengeluaran kamu di Finlandia nggak jebol, coba deh beberapa tips hemat berikut ini:
- Cook your own meals at home because grocery prices at supermarkets are usually much cheaper than eating out. Besides saving money, cooking for yourself also helps you maintain a healthier diet.
- Use a monthly transport card if you frequently take buses or trains. With this card, you can save money compared to buying single tickets every time you travel.
- Keep an eye out for discounts and promotions at supermarkets. Many stores in Finland offer loyalty cards or weekly discount programs that can make your shopping cheaper.
- Take advantage of free facilities in the city, such as public parks for exercising or picnicking, community events that are often held, and of course, public libraries that are well-equipped and comfortable.
- Use a financial management app so you can easily track your daily expenses. This way, you’ll know which areas to cut back on and can keep your budget under control.
Punya keluarga atau teman di Finlandia? Atau kamu mau kirim uang buat biaya kuliah, sewa tempat tinggal, atau kebutuhan lainnya? Sekarang kamu bisa kirim uang ke Finlandia dengan lebih cepat, aman, dan hemat biaya lewat EasylinkMake sure you choose a provider with competitive exchange rates and low admin fees!