What is included in Finnish student support (opintotuki)?

Finnish student support consists of a study allowance (opintorahaa), a housing supplement (asumislisä), and a state guarantee for student loans (opintolainan valtiontakaus). Kela administers all of these.

How much can I earn while receiving student support?

Your annual income limit depends on how many months of student support you receive. For each month of support, you can earn approximately €660. Exceeding the limit results in reclaiming of support.

How long can I receive student support?

The maximum duration depends on your degree. For a bachelor's degree it is typically 54 months, for a master's degree 70 months. Professional degrees have their own limits.

Student Grant Calculator

Estimate your Finnish student support (opintotuki) including the study allowance, housing supplement, and student loan guarantee from Kela.

Level of education

Living situation

Support months per academic year: 9 mo

Typically 9 months/year (autumn + spring)

Side income while studying: 0 €/mo

Include government-guaranteed student loan (+650,00 €/mo)

279,38 €

Study grant/mo

650,00 €

Loan guarantee/mo

929,38 €

Total/mo

2 514,42 €

Study grant 9 mo

8 364,42 €

Total per academic year

📋 Annual income limit

11 910,00 €

9 support months

🎓 Student loan benefit

40% of the loan

If graduated on time

📌 The study grant is taxable income. The student loan does not need to be repaid during studies.

📌 Income limits: ~€660/mo during support months, ~€1,990/mo during non-support months. Always check kela.fi.

The student grant calculator estimates the size of your study grant and how much you can earn without exceeding the income limit. It helps students plan their finances and part-time work during their studies.

How the calculator works and what it’s for▾

What the student grant consists of

At the core of student financial aid is the study grant, which may come with other forms of support. The amount is affected by factors such as the level of study and your housing situation. The calculator combines these into an estimated monthly support level.

Student aid also comes with an annual income limit that caps how much you can earn during the months you receive support.

What you enter and get

You provide details of your study situation and your estimated income. The result shows an estimate of the grant and how much you can earn while staying within the income limit.

This helps you avoid a situation where excess income leads to the support being reclaimed.

Who it is for

The calculator is useful for upper secondary, vocational, and higher-education students who work alongside their studies and want to optimise the balance between aid and wages.

Good to know

The grant amounts and income limits are set by Kela's rules and are reviewed each year. The income limit is calculated from your earnings over the whole year, not a single month. Check the current figures with Kela; the result is an estimate.

🔄 Reviewed June 2026