How to save money in Finland

Finland can be a bit pricey, but don’t worry, you don’t need to spend a fortune to have an amazing trip. I’ve lived here my whole life, so consider this your “traveling with a Finnish friend” starter pack. Here’s how to eat well, get around, and see the best sights without blowing your budget.

🍽 How to eat cheap in Finland

Eating out in Finland can get pricey fast, but there are so many ways to enjoy great food without spending €100 a day. Here’s what locals actually do:

• The Lunch Buffet Hack (Lounas)

Weekdays around 10:30–14:00, lots of cafés and restaurants offer a warm lunch deal, usually €10–€12 for a full meal with salad, bread, and a drink. Most places often have salmon soup as one option which is something you HAVE to try when in Finland so try to find lunch spot that offers this.

• Grab-and-Go From Supermarkets

Prisma, K-Citymarket, and S-Market have amazing ready meals and fresh pastries: Fresh pasta dishes (€4–€6) Sushi boxes (€6–€10) Hot meals from the deli counter. Pastries (€2–€3)

• University Cafeterias (A Hidden Gem)

Places like UniCafe in Helsinki allow anyone to eat there. Meals start at around €9. Seriously, some of the best cheap eats in town.

🚆 Smart Ways to Get Around

Finland is super easy to navigate on public transport, and if you know the tricks, it becomes much more affordable too.

• VR Train Hacks

Booking early is key. VR has a low-price calendar where you can spot the cheapest days. Night trains to Lapland are cheapest mid-week. Choose a seat instead of a cabin if you want the lowest price (still comfy!)

• OnniBus: The Budget Bus King

OnniBus covers major cities and can be extremely cheap, sometimes €2–€10 per route if you book early. It’s modern, comfy, and a great alternative to trains.

• HSL Day Tickets in Helsinki

If you’re staying in Helsinki, one-day tickets save so much money. You pay once and ride freely all day.

• Getting from Helsinki Airport → City

Skip taxis (they’re expensive). The train from the airport to Helsinki takes 30 minutes and costs just a few euros.

🌿 Free or Cheap Attractions

Finland is full of cultural experiences, nature spots, and unique places that cost nothing or very little. And honestly? These are usually even better than the paid tourist attractions.

• National Parks

All 41 parks are free to enter. Go hiking, swim in lakes, and enjoy the sauna if the park has one (check local rules).

• Suomenlinna Fortress (Helsinki)

The fortress itself is free; only pay for the ferry (€5–€6). Epic day trip with views for days.

• Libraries & Modern Spaces

Oodi in Helsinki is huge, modern, and totally free. Grab a coffee, sit by the window, and watch locals go about their day.

• Free Museum Days

Some museums have free entry on certain days, check before you go.

• Local markets & festivals

Keep an eye out for local markets and festivals, often free, packed with culture, and a great way to try Finnish snacks without spending a fortune.

🚫 What Not to Spend Money On in Finland

Some things are easy to splurge on here, but honestly? You don’t have to. Locals usually skip these:

• Overpriced tours you don’t need. Often free or cheap alternatives exist, especially in cities and nature.

• Taxis. Stick to public transport, bikes, ubers or walk. Only grab a taxi if you really need it.

• Buying water. Tap water in Finland is clean and free. So bring a reusable bottle!

• Buying gear. Skis, snowshoes or even winter clothes? Many places rent or lend equipment and in Lapland you can ever rent winter clothes.

• Lapland activities with free alternatives. You can see northern lights, cross-country ski, or hike for zero euros.

• Touristy souvenir shops. Skip the overpriced magnets and generic souvenirs in the main squares. Instead, support local artisans, markets, and boutiques. You’ll get something unique, high-quality and something you'll actually use.

  A few ideas:

  • Local design & gifts: Marimekko, Iittala, Arabia, and Aarikka are classic Finnish design brands, perfect for souvenirs that actually feel special.

  • Craft & artisan markets: Helsinki Market Square, Turku Market Hall, or local summer markets in smaller towns. Handmade jewelry, ceramics, and local snacks, all authentic.

  • Foodie finds: Fazer chocolate, Salmiakki (Finnish licorice), local cheeses and breads from markets, or even wild berry jams. Skip the airport prices!

  • Clothing & outdoor gear: Brands like Halti, Luhta, or Reima if you need Finnish-designed outdoor wear.