Electricity bill calculator: what a month’s bill is made of
Enter the month’s consumption, your operator and your contract. The calculator splits the bill into energy, transfer, fees and tax.
Checked by Radif Partners · Editorial policy · Method and sources
A Finnish household usually gets two electricity bills: one from the retailer for energy and one from the network operator for transfer and electricity tax. At 2026-09’s spot price of 7.15 c/kWh including VAT and a 0.51 c/kWh margin, a Helsinki flat using 170 kilowatt-hours in the month would have paid €37.32 in total: energy with monthly fee €17.81, transfer with basic fee €14.55 and electricity tax €4.96. A house in Elenia’s area using 400 kilowatt-hours would have paid €93.46, and an electrically heated house in PKS’s area using 1,500 kilowatt-hours in a winter month €292.88. At low use the fixed fees and transfer are most of the bill; at high use, energy. Choose a month, consumption, operator and contract below and the calculator shows each part of the bill and the average price per kilowatt-hour with every fee.
Electricity bill, Sep 2026
€72.52
| Energy (retailer bill) | €30.65 |
| Retailer monthly fee | €4.78 |
| Transfer fee (network bill) | €18.88 |
| Network basic fee | €6.53 |
| Electricity tax and supply security fee | €11.67 |
| Average price with all fees | 18.13 c/kWh |
Assumptions
The month’s spot is the FI bidding-zone average (our quarter-hour archive when the month is complete, otherwise Nord Pool’s monthly average), plus 25.5% VAT. A real spot bill depends on when you used power: the consumption-weighted price is usually a little above the simple average. Method and sources
| Month | Spot | All-in | |
|---|---|---|---|
| Sep 2026 | 7.15 | 15.30 | |
| Aug 2026 | 5.18 | 13.33 | |
| Jul 2026 | 1.93 | 10.08 | |
| Jun 2026 | 5.68 | 13.83 | |
| May 2026 | 6.64 | 14.79 | |
| Apr 2026 | 6.21 | 14.36 | |
| Mar 2026 | 3.49 | 11.64 | |
| Feb 2026 | 17.21 | 25.36 | |
| Jan 2026 | 14.72 | 22.87 | |
| Dec 2025 | 4.52 | 12.67 | |
| Nov 2025 | 6.02 | 14.16 | |
| Oct 2025 | 6.14 | 14.29 | |
| Sep 2025 | 5.24 | 13.38 | |
| Aug 2025 | 6.95 | 15.09 | |
| Jul 2025 | 3.03 | 11.18 | |
| Jun 2025 | 2.33 | 10.48 | |
| May 2025 | 2.28 | 10.42 | |
| Apr 2025 | 5.99 | 14.14 | |
| Mar 2025 | 5.96 | 14.11 | |
| Feb 2025 | 5.93 | 14.08 | |
| Jan 2025 | 6.63 | 14.78 |
Three example bills
| Home | Energy + retailer fee | Transfer + network fee | Electricity tax | Total |
|---|---|---|---|---|
| Flat, Helen, 170 kWh | €17.81 | €14.55 | €4.96 | €37.32 |
| House, Elenia, 400 kWh | €35.43 | €46.35 | €11.67 | €93.46 |
| Electric heating, PKS day-night, 1,500 kWh | €119.73 | €129.38 | €43.77 | €292.88 |
The examples show how the bill’s structure changes with consumption. In a flat fixed fees and transfer take the largest share, so switching retailer saves less than many expect. In an electrically heated house energy and transfer are almost equal, and electricity tax is already a significant item.
The bill’s lines explained
- Energy: on a spot contract each hour’s or quarter’s exchange price times your use, plus the margin. On a fixed contract, use times the contract price.
- Retailer monthly fee: a fixed charge that does not depend on use.
- Transfer fee: the operator’s cents per kilowatt-hour; time-of-day and seasonal products price times differently. The transfer fee guide explains more.
- Network basic fee: a monthly fee by main fuse, in some networks with a power fee.
- Electricity tax and security-of-supply fee: 2.9179 c/kWh per kilowatt-hour including VAT; see electricity tax.
If the bill seems too high
Check consumption first: has it grown since last year, and does it fall in expensive hours? Then check your transfer product and contract margin. Billing errors can be disputed with the retailer or the network operator. Motiva explains the structure of the transfer fee, and the Energy Authority’s comparison lists current contracts.