English-taught bachelor’s programs for non‑EU/EEA students in Finland typically range from €8,000 to €20,000 per year
Technical degrees like Software Engineering usually fall in the mid-range—€10,000 to €15,000 per year, depending on the university (e.g., Aalto, University of Turku) .
Finland Immigration mandates proof of at least €800/month, but realistic living costs range from €900–1,200 monthly
Here’s a detailed breakdown:
- Housing
- Student dorm/shared: €250–450/month
- Private flat: €400–700 (Helsinki higher; Tampere/Oulu more affordable)
- Food & Groceries: €180–300/month
- Transport: €35–60/month (student pass)
- Internet & Mobile: €20–40/month
- Utilities: €50–120/month (if not included in rent)
- Miscellaneous: €100–200/month (entertainment, materials)
Estimated monthly living cost: €900–1,200
Annual & One-Time Costs
| Item | Estimated Yearly Cost (€) |
| Tuition (Software Engineering) | 10,000–15,000 |
| Living expenses (12 × €900–1,200) | 10,800–14,400 |
| Student union & healthcare fees | 120–170 |
| Health/Insurance | 300–500 |
| Books & study materials | 200–400 |
| One-time setup (deposit, winter gear) | 800–1,500 |
Total Year 1: ≈ €22,220–31,470 (~PKR 5.5–7.8 million)
Subsequent years: about €21,420–29,970 (excluding setup costs)
Scholarships & Financial Aid
- Merit-based scholarships at sites like Aalto and Helsinki can reduce or waive tuition fees
- Finland Scholarship covers full tuition + €5,000 relocation grant
- Apply during admissions via Studyinfo.fi or university portals.
Working Part-Time
International students can work up to 30 hours/week during semesters and full-time in holidays Common part-time jobs include tutoring, cafeteria work, or student assistant roles.
Note: Non-EU students aren’t eligible for Kela grants or student loans so part-time work or scholarships are essential for managing expenses.
A Bachelor’s in Software Engineering in Finland offers world-class education, strong career pathways, and a high quality of life—but comes with significant costs (~PKR 5.5–8 million for the first year). Smart budgeting, scholarships, and part-time jobs can ease the financial burden.
- Identify exact tuition for your target program via Studyinfo.fi or university websites.
- Apply for scholarships early—check deadlines.
- Plan your budget by city (Helsinki vs. smaller towns).
- Prepare living cost proof and secure a part-time job early.