{"updated_at":"2026-09-01","version":"2026.3-complete-coicop","license":"CC BY 4.0 (Creative Commons Nimeä 4.0 Kansainvälinen)","attributions":[{"source":"Tilastokeskus","dataset":"Kulutustutkimus (ktutk) COICOP 12 pääluokkaa & Kuluttajahintaindeksi (KHI)","license":"CC BY 4.0","url":"https://stat.fi/fi/tilasto/ktutk"},{"source":"Kilpailu- ja kuluttajavirasto (KKV) & Kuluttajatutkimuskeskus (Kultu / HY)","dataset":"Kohtuullisen minimin viitebudjetit 2026 (yksinasuvat, parit, perheet, eläkeläiset)","license":"Avoin julkinen tutkimusaineisto","url":"https://www.kkv.fi"},{"source":"Terveyden ja hyvinvoinnin laitos (THL)","dataset":"Sotkanet REST API (nikotiini-, alkoholi- ja rahapeli-indikaattorit)","license":"CC BY 4.0","url":"https://sotkanet.fi/rest/1.1/"}],"coicop_classes":[{"code":"01","nameFi":"01 Elintarvikkeet ja alkoholittomat juomat","nameEn":"01 Food & non-alcoholic beverages"},{"code":"02","nameFi":"02 Alkoholijuomat ja tupakkatuotteet","nameEn":"02 Alcoholic beverages & tobacco"},{"code":"03","nameFi":"03 Vaatetus ja jalkineet","nameEn":"03 Clothing & footwear"},{"code":"04","nameFi":"04 Asuminen, vesi, sähkö ja lämmitys","nameEn":"04 Housing, water, electricity & heating"},{"code":"05","nameFi":"05 Kalusteet, kodinkoneet ja kodinhoito","nameEn":"05 Furnishings, household equipment"},{"code":"06","nameFi":"06 Terveys ja sairaanhoitomenot","nameEn":"06 Health & medical expenses"},{"code":"07","nameFi":"07 Liikenne ja kulkuneuvot","nameEn":"07 Transport & vehicles"},{"code":"08","nameFi":"08 Viestintä ja tietoliikenne","nameEn":"08 Communication & broadband"},{"code":"09","nameFi":"09 Virkistys, kulttuuri ja harrastukset","nameEn":"09 Recreation, culture & leisure"},{"code":"10","nameFi":"10 Koulutus","nameEn":"10 Education"},{"code":"11","nameFi":"11 Ravintolat, kahvilat ja hotellit","nameEn":"11 Restaurants, cafes & takeaway"},{"code":"12","nameFi":"12 Muut tavarat ja palvelut","nameEn":"12 Miscellaneous goods & services"}],"reference_profiles":{"student":{"id":"student","labelFi":"Opiskelija / Pienituloinen nuori","labelEn":"Student / Low-income young adult","descFi":"Erittäin tiukka budjetti. Edullinen opiskelijalounas, mutta asumiskulut ja satunnaiset menot syövät helposti koko opintotuen ja lainan.","descEn":"Tight monthly budget. Subsidised campus lunches, with rent consuming the bulk of cashflow.","typicalNetIncomeEur":1150,"basic_groceries_recommended":220,"discretionary_national_median":230,"coicop_benchmarks":{"food":{"code":"01","key":"food","nameFi":"Elintarvikkeet & ruokakauppa","nameEn":"Food & basic groceries","tilastokeskus_avg":240,"kkv_recommendation":220,"isFixed":false,"descriptionFi":"Kotona valmistettu perusruoka.","descriptionEn":"Basic groceries cooked at home.","kkvGuidanceFi":"Opiskelijan kohtuullinen perusruoka on KKV:n mukaan 220 €/kk.","kkvGuidanceEn":"KKV baseline 220 €/mo."},"alcohol_tobacco":{"code":"02","key":"alcohol_tobacco","nameFi":"Alkoholi & nikotiinituotteet","nameEn":"Alcohol & nicotine products","tilastokeskus_avg":65,"kkv_recommendation":0,"isFixed":false,"descriptionFi":"Opiskelijarientoihin liittyvät juomat ja nikotiini.","descriptionEn":"Beer, wine, spirits, cigarettes, vapes.","kkvGuidanceFi":"Ei kuulu KKV:n kohtuullisen minimin viitebudjettiin.","kkvGuidanceEn":"Zero in KKV baseline."},"clothing":{"code":"03","key":"clothing","nameFi":"Vaatetus & jalkineet","nameEn":"Clothing & footwear","tilastokeskus_avg":35,"kkv_recommendation":25,"isFixed":false,"descriptionFi":"Kausivaatteet ja kengät.","descriptionEn":"Seasonal clothing and shoes.","kkvGuidanceFi":"KKV kohtuullinen minimi: 25 €/kk sisältää välttämättömät perushankinnat.","kkvGuidanceEn":"KKV 25 €/mo."},"housing":{"code":"04","key":"housing","nameFi":"Asuminen, sähkö & lämmitys","nameEn":"Housing, energy & utilities","tilastokeskus_avg":520,"kkv_recommendation":480,"isFixed":true,"descriptionFi":"Soluasunto, opiskelija-asunto tai yksiön vuokra.","descriptionEn":"Rent/maintenance, heating, electricity, water.","kkvGuidanceFi":"HOAS/TOAS/PSOAS-solut ovat edullisin tapa suojata käyttövaraa.","kkvGuidanceEn":"Student housing is the most resilient base."},"furnishings":{"code":"05","key":"furnishings","nameFi":"Kodin ylläpito & koneet","nameEn":"Furnishings & home equipment","tilastokeskus_avg":20,"kkv_recommendation":15,"isFixed":false,"descriptionFi":"Kodin perustarvikkeet ja siivous.","descriptionEn":"Furniture, appliances, cleaning tools.","kkvGuidanceFi":"Second hand -kalusteet säästävät satoja euroja.","kkvGuidanceEn":"Thrift saves hundreds."},"health":{"code":"06","key":"health","nameFi":"Terveys & lääkemenot","nameEn":"Health & prescription medicine","tilastokeskus_avg":25,"kkv_recommendation":20,"isFixed":false,"descriptionFi":"YTHS-maksu, peruslääkkeet ja terveys.","descriptionEn":"Prescription drugs, dental care, clinic fees.","kkvGuidanceFi":"YTHS takaa edullisen opiskelijaterveydenhuollon.","kkvGuidanceEn":"Student healthcare cap."},"transport":{"code":"07","key":"transport","nameFi":"Liikenne & kulkuneuvot","nameEn":"Transport & mobility","tilastokeskus_avg":40,"kkv_recommendation":38,"isFixed":true,"descriptionFi":"Opiskelija-alennushintainen joukkoliikenne.","descriptionEn":"Vehicle loan, fuel, transit pass, maintenance.","kkvGuidanceFi":"Opiskelijaliput alennuksella (esim. HSL 38 €/kk).","kkvGuidanceEn":"Subsidised transit pass."},"communication":{"code":"08","key":"communication","nameFi":"Viestintä & puhelinliittymät","nameEn":"Telecom & broadband","tilastokeskus_avg":22,"kkv_recommendation":15,"isFixed":true,"descriptionFi":"Edullinen mobiililiittymä ja solun netti.","descriptionEn":"Mobile subscriptions, home fibre, 5G.","kkvGuidanceFi":"10–15 €/kk riittää 4G-opiskelijaliittymään.","kkvGuidanceEn":"Sub-15€ plan is sufficient."},"recreation":{"code":"09","key":"recreation","nameFi":"Virkistys, harrastukset & suoratoistot","nameEn":"Recreation, hobbies & streaming","tilastokeskus_avg":45,"kkv_recommendation":30,"isFixed":false,"descriptionFi":"Urheilu, ainejärjestötoiminta, suoratoistot.","descriptionEn":"Gym, hobbies, pets, streaming subs.","kkvGuidanceFi":"Korkeakoululiikunta (UniSport tms.) tarjoaa edullisimman kuntosalin.","kkvGuidanceEn":"Campus gym subsidised."},"education":{"code":"10","key":"education","nameFi":"Koulutus & oppimateriaalit","nameEn":"Education & courses","tilastokeskus_avg":15,"kkv_recommendation":10,"isFixed":false,"descriptionFi":"Oppikirjat ja kurssimateriaalit.","descriptionEn":"Books, courses, professional training.","kkvGuidanceFi":"Hyödynnä kirjastoja ja digitaalisia aineistoja.","kkvGuidanceEn":"Use libraries."},"restaurants":{"code":"11","key":"restaurants","nameFi":"Ravintolat, lounaat & Wolt","nameEn":"Restaurants, lunches & delivery","tilastokeskus_avg":75,"kkv_recommendation":45,"isFixed":false,"descriptionFi":"Kelatuetut opiskelijalounaat (3,40 €/kpl) ja satunnainen pikaruoka.","descriptionEn":"Work lunches, dinners out, takeaway food.","kkvGuidanceFi":"Opiskelijalounas on Suomen edullisin ravintola-ateria.","kkvGuidanceEn":"Subsidised campus dining."},"miscellaneous":{"code":"12","key":"miscellaneous","nameFi":"Muut palvelut, vakuutukset & hygienia","nameEn":"Personal care & financial services","tilastokeskus_avg":30,"kkv_recommendation":20,"isFixed":false,"descriptionFi":"Hygienia, parturi ja pankkipalvelut.","descriptionEn":"Hygiene, hairdressing, insurances, bank fees.","kkvGuidanceFi":"Perushygienia ja maksuton opiskelijapankkikortti.","kkvGuidanceEn":"Free student banking."}},"fixed_breakdown":{"housing":{"id":"housing","nameFi":"Vuokra tai yhtiövastike & asuntolaina","nameEn":"Rent or maintenance charge & mortgage","tilastokeskus_avg":520,"kkv_recommendation":480,"tipFi":"Opiskelija-asunnon tai solun vuokra.","tipEn":"Benchmark for local reasonable housing according to KKV guidelines."},"energy":{"id":"energy","nameFi":"Sähkö, lämmitys & vesimaksut","nameEn":"Electricity, heating & water","tilastokeskus_avg":25,"kkv_recommendation":20,"tipFi":"Usein sisältyy opiskelija-asuntosäätiöiden vuokraan.","tipEn":"Electricity base fee & transmission vs spot energy consumption."},"transport":{"id":"transport","nameFi":"Kulkuneuvon rahoitus, vakuutus & vero (tai kausilippu)","nameEn":"Vehicle financing, insurance, tax (or transit pass)","tilastokeskus_avg":40,"kkv_recommendation":38,"tipFi":"Joukkoliikenteen opiskelijakausilippu.","tipEn":"Fixed transport costs before fuel or tickets."},"insurance":{"id":"insurance","nameFi":"Koti-, terveys- ja tapaturmavakuutukset","nameEn":"Home, health and accident insurances","tilastokeskus_avg":12,"kkv_recommendation":10,"tipFi":"Yksiön tai solun kevyt opiskelijakotivakuutus.","tipEn":"Essential risk protection without overlapping extra covers."},"telecom":{"id":"telecom","nameFi":"Puhelinliittymät & kodin laajakaista","nameEn":"Mobile SIMs & home broadband","tilastokeskus_avg":22,"kkv_recommendation":15,"tipFi":"Puhelinliittymä ilman kalliita laitemaksuja.","tipEn":"Reasonable SIM plan (10–18 €/mo) and building broadband."},"loans":{"id":"loans","nameFi":"Opintolaina & kulutusluottojen vähimmäiserät","nameEn":"Student loan & credit minimum payments","tilastokeskus_avg":0,"kkv_recommendation":0,"tipFi":"Opintolainan takaisinmaksu alkaa vasta valmistumisen jälkeen.","tipEn":"Mandatory monthly debt amortisation."},"familyHealth":{"id":"familyHealth","nameFi":"Varhaiskasvatus, säännölliset lääkkeet & liiton jäsenyys","nameEn":"Daycare, regular medicines & union dues","tilastokeskus_avg":8,"kkv_recommendation":6,"tipFi":"YTHS-terveydenhoitomaksu jaettuna kuukausille.","tipEn":"Statutory municipal and medical fixed commitments."}},"shadow_averages":{"eating_out_and_lunch":{"actual_avg":75,"kkv_minimum":45,"unitDescFi":"Tuetut lounaat ja opiskelijapikaruoka","unitDescEn":"Subsidised lunches and fast food"},"takeaway_and_snacks":{"actual_avg":40,"kkv_minimum":10,"unitDescFi":"Kampuskahvilat ja energiajuomat","unitDescEn":"Campus coffees and energy cans"},"impulse_goods_and_thrift":{"actual_avg":35,"kkv_minimum":15,"unitDescFi":"Kirpputorit, vaatteet ja tapahtumat","unitDescEn":"Thrift, clothes, student events"},"habits_and_stimulants":{"actual_avg":65,"kkv_minimum":0,"unitDescFi":"Bilejuomat, vapet ja virvokkeet","unitDescEn":"Night out drinks and nicotine"},"mobility_convenience":{"actual_avg":20,"kkv_minimum":0,"unitDescFi":"Sähköpotkulaudat kiireessä","unitDescEn":"E-scooters in rush"},"digital_subs":{"actual_avg":25,"kkv_minimum":10,"unitDescFi":"Spotify, suoratoistot ja pilvitallennus","unitDescEn":"Spotify, streaming, cloud"}}},"single_under35":{"id":"single_under35","labelFi":"Yksinasuva alle 35-vuotias","labelEn":"Single adult under 35","descFi":"Itsenäistynyt kaupunkilainen. Korkeampi noutoruoan, ravintoloiden ja erikoiskahvien käyttöaste.","descEn":"Young independent city resident. High takeaway and cafe frequency.","typicalNetIncomeEur":2350,"basic_groceries_recommended":275,"discretionary_national_median":540,"coicop_benchmarks":{"food":{"code":"01","key":"food","nameFi":"Elintarvikkeet & ruokakauppa","nameEn":"Food & basic groceries","tilastokeskus_avg":340,"kkv_recommendation":275,"isFixed":false,"descriptionFi":"Perusruokakauppa ja kotiin ostettu ruoka.","descriptionEn":"Basic groceries cooked at home.","kkvGuidanceFi":"KKV:n kohtuullinen minimi yksinelävälle on 275 €/kk.","kkvGuidanceEn":"KKV baseline 275 €/mo."},"alcohol_tobacco":{"code":"02","key":"alcohol_tobacco","nameFi":"Alkoholi & nikotiinituotteet","nameEn":"Alcohol & nicotine products","tilastokeskus_avg":85,"kkv_recommendation":0,"isFixed":false,"descriptionFi":"Saunajuomat, viinit, tupakka tai nikotiini.","descriptionEn":"Beer, wine, spirits, cigarettes, vapes.","kkvGuidanceFi":"Ei sisälly KKV:n välttämättömään minimiin.","kkvGuidanceEn":"Zero in KKV baseline."},"clothing":{"code":"03","key":"clothing","nameFi":"Vaatetus & jalkineet","nameEn":"Clothing & footwear","tilastokeskus_avg":65,"kkv_recommendation":45,"isFixed":false,"descriptionFi":"Vaatteet, kengät ja asusteet.","descriptionEn":"Seasonal clothing and shoes.","kkvGuidanceFi":"KKV kohtuullinen vaatebudjetti: 45 €/kk.","kkvGuidanceEn":"KKV 45 €/mo."},"housing":{"code":"04","key":"housing","nameFi":"Asuminen, sähkö & lämmitys","nameEn":"Housing, energy & utilities","tilastokeskus_avg":780,"kkv_recommendation":680,"isFixed":true,"descriptionFi":"Yksiön tai pienen kaksion vuokra/vastike ja laina.","descriptionEn":"Rent/maintenance, heating, electricity, water.","kkvGuidanceFi":"Asumismenot eivät saisi ylittää 35 % nettotuloista.","kkvGuidanceEn":"Housing should not exceed 35% of net income."},"furnishings":{"code":"05","key":"furnishings","nameFi":"Kodin ylläpito & koneet","nameEn":"Furnishings & home equipment","tilastokeskus_avg":45,"kkv_recommendation":30,"isFixed":false,"descriptionFi":"Kodin sisustus ja pienelektroniikka.","descriptionEn":"Furniture, appliances, cleaning tools.","kkvGuidanceFi":"Välttämättömät korjaukset ja kulutustavarat.","kkvGuidanceEn":"Home repairs and goods."},"health":{"code":"06","key":"health","nameFi":"Terveys & lääkemenot","nameEn":"Health & prescription medicine","tilastokeskus_avg":40,"kkv_recommendation":30,"isFixed":false,"descriptionFi":"Reseptilääkkeet, hammashoito ja terveyspalvelut.","descriptionEn":"Prescription drugs, dental care, clinic fees.","kkvGuidanceFi":"Julkinen hammashoito ja lääkekatto.","kkvGuidanceEn":"Public dental cap."},"transport":{"code":"07","key":"transport","nameFi":"Liikenne & kulkuneuvot","nameEn":"Transport & mobility","tilastokeskus_avg":110,"kkv_recommendation":70,"isFixed":true,"descriptionFi":"Joukkoliikenteen kausilippu tai kakkosauton kulut.","descriptionEn":"Vehicle loan, fuel, transit pass, maintenance.","kkvGuidanceFi":"Kausilippu on kaupungissa 3–4 kertaa autoa edullisempi.","kkvGuidanceEn":"Transit is 3-4x cheaper."},"communication":{"code":"08","key":"communication","nameFi":"Viestintä & puhelinliittymät","nameEn":"Telecom & broadband","tilastokeskus_avg":45,"kkv_recommendation":28,"isFixed":true,"descriptionFi":"5G-puhelinliittymä ja kodin netti.","descriptionEn":"Mobile subscriptions, home fibre, 5G.","kkvGuidanceFi":"Kilpailuttamalla säästää helposti 15 €/kk.","kkvGuidanceEn":"Switching saves 15 €/mo."},"recreation":{"code":"09","key":"recreation","nameFi":"Virkistys, harrastukset & suoratoistot","nameEn":"Recreation, hobbies & streaming","tilastokeskus_avg":120,"kkv_recommendation":75,"isFixed":false,"descriptionFi":"Kuntosali, suoratoistot, lemmikit, harrasteet.","descriptionEn":"Gym, hobbies, pets, streaming subs.","kkvGuidanceFi":"Kohtuullinen vapaa-ajan viitebudjetti on 75 €/kk.","kkvGuidanceEn":"Reasonable leisure 75 €/mo."},"education":{"code":"10","key":"education","nameFi":"Koulutus & oppimateriaalit","nameEn":"Education & courses","tilastokeskus_avg":20,"kkv_recommendation":10,"isFixed":false,"descriptionFi":"Ammattikirjat ja verkko-opinnot.","descriptionEn":"Books, courses, professional training.","kkvGuidanceFi":"Ammatillinen kehittyminen.","kkvGuidanceEn":"Career development."},"restaurants":{"code":"11","key":"restaurants","nameFi":"Ravintolat, lounaat & Wolt","nameEn":"Restaurants, lunches & delivery","tilastokeskus_avg":210,"kkv_recommendation":55,"isFixed":false,"descriptionFi":"Lounasravintolat, Wolt, kahvilat ja illalliset.","descriptionEn":"Work lunches, dinners out, takeaway food.","kkvGuidanceFi":"Yleisin arjen vuoto. KKV viitebudjetti sallii 55 €/kk satunnaisiin ravintoloihin.","kkvGuidanceEn":"Major cashflow leak. KKV allows 55 €/mo."},"miscellaneous":{"code":"12","key":"miscellaneous","nameFi":"Muut palvelut, vakuutukset & hygienia","nameEn":"Personal care & financial services","tilastokeskus_avg":65,"kkv_recommendation":40,"isFixed":false,"descriptionFi":"Kampaamo, kosmetiikka, pankkimaksut ja vakuutus.","descriptionEn":"Hygiene, hairdressing, insurances, bank fees.","kkvGuidanceFi":"Perushygienia ja pankin peruspalvelut.","kkvGuidanceEn":"Basic care and banking."}},"fixed_breakdown":{"housing":{"id":"housing","nameFi":"Vuokra tai yhtiövastike & asuntolaina","nameEn":"Rent or maintenance charge & mortgage","tilastokeskus_avg":780,"kkv_recommendation":680,"tipFi":"Yksiön tai kaksion vuokra tai yhtiövastike.","tipEn":"Benchmark for local reasonable housing according to KKV guidelines."},"energy":{"id":"energy","nameFi":"Sähkö, lämmitys & vesimaksut","nameEn":"Electricity, heating & water","tilastokeskus_avg":45,"kkv_recommendation":35,"tipFi":"Sähkölaskun perusmaksu ja kulutus kerrostalossa.","tipEn":"Electricity base fee & transmission vs spot energy consumption."},"transport":{"id":"transport","nameFi":"Kulkuneuvon rahoitus, vakuutus & vero (tai kausilippu)","nameEn":"Vehicle financing, insurance, tax (or transit pass)","tilastokeskus_avg":70,"kkv_recommendation":70,"tipFi":"Joukkoliikenteen kuukausikortti kaupunkialueella.","tipEn":"Fixed transport costs before fuel or tickets."},"insurance":{"id":"insurance","nameFi":"Koti-, terveys- ja tapaturmavakuutukset","nameEn":"Home, health and accident insurances","tilastokeskus_avg":18,"kkv_recommendation":14,"tipFi":"Kerrostaloasunnon laaja kotivakuutus.","tipEn":"Essential risk protection without overlapping extra covers."},"telecom":{"id":"telecom","nameFi":"Puhelinliittymät & kodin laajakaista","nameEn":"Mobile SIMs & home broadband","tilastokeskus_avg":45,"kkv_recommendation":28,"tipFi":"Oma puhelinliittymä ja kiinteä laajakaista.","tipEn":"Reasonable SIM plan (10–18 €/mo) and building broadband."},"loans":{"id":"loans","nameFi":"Opintolaina & kulutusluottojen vähimmäiserät","nameEn":"Student loan & credit minimum payments","tilastokeskus_avg":80,"kkv_recommendation":80,"tipFi":"Opintolainan lyhennys tai osamaksuerät.","tipEn":"Mandatory monthly debt amortisation."},"familyHealth":{"id":"familyHealth","nameFi":"Varhaiskasvatus, säännölliset lääkkeet & liiton jäsenyys","nameEn":"Daycare, regular medicines & union dues","tilastokeskus_avg":15,"kkv_recommendation":10,"tipFi":"YTK/ammattiliiton jäsenmaksu ja perusterveydenhoito.","tipEn":"Statutory municipal and medical fixed commitments."}},"shadow_averages":{"eating_out_and_lunch":{"actual_avg":165,"kkv_minimum":40,"unitDescFi":"Työpaikkalounaat ja ravintolat","unitDescEn":"Work lunches and dining out"},"takeaway_and_snacks":{"actual_avg":75,"kkv_minimum":15,"unitDescFi":"Erikoiskahvit ja Wolt-toimitukset","unitDescEn":"Speciality coffees and Wolt deliveries"},"impulse_goods_and_thrift":{"actual_avg":60,"kkv_minimum":20,"unitDescFi":"Herätteet, vaateostokset ja second hand","unitDescEn":"Impulse shopping, fashion and thrift"},"habits_and_stimulants":{"actual_avg":90,"kkv_minimum":0,"unitDescFi":"Nautintoaineet, vapet ja virvokkeet","unitDescEn":"Stimulants, vapes and drinks"},"mobility_convenience":{"actual_avg":45,"kkv_minimum":0,"unitDescFi":"Sähköpotkulaudat ja mukavuustaksit","unitDescEn":"E-scooters and short Uber rides"},"digital_subs":{"actual_avg":40,"kkv_minimum":15,"unitDescFi":"Suoratoistot, sovellukset ja pilvitallennus","unitDescEn":"Streaming, apps and iCloud"}}},"single_over35":{"id":"single_over35","labelFi":"Yksinasuva 35 vuotta täyttänyt","labelEn":"Single adult 35 and older","descFi":"Vakiintunut elämänvaihe. Menot painottuvat laadukkaampaan perusarkeen, mutta kiireen lounaat ja arjen herätteet vievät siivunsa.","descEn":"Established adult single. Quality living with work lunch and household leaks.","typicalNetIncomeEur":2750,"basic_groceries_recommended":295,"discretionary_national_median":610,"coicop_benchmarks":{"food":{"code":"01","key":"food","nameFi":"Elintarvikkeet & ruokakauppa","nameEn":"Food & basic groceries","tilastokeskus_avg":380,"kkv_recommendation":295,"isFixed":false,"descriptionFi":"Peruselintarvikkeet, laadukkaampi kotiruoka.","descriptionEn":"Basic groceries cooked at home.","kkvGuidanceFi":"KKV:n viitebudjetti 35+ aikuiselle: 295 €/kk.","kkvGuidanceEn":"KKV 295 €/mo."},"alcohol_tobacco":{"code":"02","key":"alcohol_tobacco","nameFi":"Alkoholi & nikotiinituotteet","nameEn":"Alcohol & nicotine products","tilastokeskus_avg":95,"kkv_recommendation":0,"isFixed":false,"descriptionFi":"Viinit, oluet ja saunatuotteet.","descriptionEn":"Beer, wine, spirits, cigarettes, vapes.","kkvGuidanceFi":"Ei kuulu viitebudjettiin.","kkvGuidanceEn":"Zero in KKV baseline."},"clothing":{"code":"03","key":"clothing","nameFi":"Vaatetus & jalkineet","nameEn":"Clothing & footwear","tilastokeskus_avg":75,"kkv_recommendation":50,"isFixed":false,"descriptionFi":"Työvaatteet, ulkoilu ja jalkineet.","descriptionEn":"Seasonal clothing and shoes.","kkvGuidanceFi":"KKV suositus: 50 €/kk.","kkvGuidanceEn":"KKV 50 €/mo."},"housing":{"code":"04","key":"housing","nameFi":"Asuminen, sähkö & lämmitys","nameEn":"Housing, energy & utilities","tilastokeskus_avg":890,"kkv_recommendation":750,"isFixed":true,"descriptionFi":"Kaksion tai kolmion vuokra tai yhtiövastike & asuntolaina.","descriptionEn":"Rent/maintenance, heating, electricity, water.","kkvGuidanceFi":"Lainan korko ja vastike muodostavat perustan.","kkvGuidanceEn":"Mortgage interest & fee."},"furnishings":{"code":"05","key":"furnishings","nameFi":"Kodin ylläpito & koneet","nameEn":"Furnishings & home equipment","tilastokeskus_avg":60,"kkv_recommendation":35,"isFixed":false,"descriptionFi":"Kodin laitteet, remontit ja huonekalut.","descriptionEn":"Furniture, appliances, cleaning tools.","kkvGuidanceFi":"Kohtuullinen ylläpito.","kkvGuidanceEn":"Home upkeep."},"health":{"code":"06","key":"health","nameFi":"Terveys & lääkemenot","nameEn":"Health & prescription medicine","tilastokeskus_avg":55,"kkv_recommendation":40,"isFixed":false,"descriptionFi":"Hammashoito, fysioterapia, lääkkeet.","descriptionEn":"Prescription drugs, dental care, clinic fees.","kkvGuidanceFi":"Reseptilääkkeiden vuosiomavastuu.","kkvGuidanceEn":"Medication cap."},"transport":{"code":"07","key":"transport","nameFi":"Liikenne & kulkuneuvot","nameEn":"Transport & mobility","tilastokeskus_avg":190,"kkv_recommendation":85,"isFixed":true,"descriptionFi":"Oma auto (polttoaine, vakuutus) tai julkinen.","descriptionEn":"Vehicle loan, fuel, transit pass, maintenance.","kkvGuidanceFi":"Auton todelliset kokonaiskulut ylittävät usein 350 €/kk.","kkvGuidanceEn":"Total car costs exceed 350 €/mo."},"communication":{"code":"08","key":"communication","nameFi":"Viestintä & puhelinliittymät","nameEn":"Telecom & broadband","tilastokeskus_avg":50,"kkv_recommendation":30,"isFixed":true,"descriptionFi":"Puhelin ja kodin valokuitu/5G.","descriptionEn":"Mobile subscriptions, home fibre, 5G.","kkvGuidanceFi":"Säännöllinen kilpailutus tuo 100–150 € vuosisäästön.","kkvGuidanceEn":"Annual review saves 100-150 €."},"recreation":{"code":"09","key":"recreation","nameFi":"Virkistys, harrastukset & suoratoistot","nameEn":"Recreation, hobbies & streaming","tilastokeskus_avg":135,"kkv_recommendation":85,"isFixed":false,"descriptionFi":"Kulttuuri, kirjat, harrasteet ja viihde.","descriptionEn":"Gym, hobbies, pets, streaming subs.","kkvGuidanceFi":"KKV kohtuullinen vapaa-aika: 85 €/kk.","kkvGuidanceEn":"KKV leisure 85 €/mo."},"education":{"code":"10","key":"education","nameFi":"Koulutus & oppimateriaalit","nameEn":"Education & courses","tilastokeskus_avg":25,"kkv_recommendation":10,"isFixed":false,"descriptionFi":"Ammatilliset julkaisut ja koulutukset.","descriptionEn":"Books, courses, professional training.","kkvGuidanceFi":"Täydennyskoulutus.","kkvGuidanceEn":"Education."},"restaurants":{"code":"11","key":"restaurants","nameFi":"Ravintolat, lounaat & Wolt","nameEn":"Restaurants, lunches & delivery","tilastokeskus_avg":180,"kkv_recommendation":55,"isFixed":false,"descriptionFi":"Arkiset työpaikkalounaat ja viikonlopun ravintolat.","descriptionEn":"Work lunches, dinners out, takeaway food.","kkvGuidanceFi":"Eväiden teko 2 päivänä viikossa säästää 90 €/kk.","kkvGuidanceEn":"Packing lunch 2 days saves 90 €/mo."},"miscellaneous":{"code":"12","key":"miscellaneous","nameFi":"Muut palvelut, vakuutukset & hygienia","nameEn":"Personal care & financial services","tilastokeskus_avg":80,"kkv_recommendation":45,"isFixed":false,"descriptionFi":"Parturi/kampaamo, hygienia, vakuutusmaksut.","descriptionEn":"Hygiene, hairdressing, insurances, bank fees.","kkvGuidanceFi":"Henkilökohtainen perushoito.","kkvGuidanceEn":"Personal care."}},"fixed_breakdown":{"housing":{"id":"housing","nameFi":"Vuokra tai yhtiövastike & asuntolaina","nameEn":"Rent or maintenance charge & mortgage","tilastokeskus_avg":890,"kkv_recommendation":750,"tipFi":"Kaksion/kolmion vuokra tai vastike ja asuntolaina.","tipEn":"Benchmark for local reasonable housing according to KKV guidelines."},"energy":{"id":"energy","nameFi":"Sähkö, lämmitys & vesimaksut","nameEn":"Electricity, heating & water","tilastokeskus_avg":60,"kkv_recommendation":45,"tipFi":"Sähkön perusmaksu, siirto ja kulutus.","tipEn":"Electricity base fee & transmission vs spot energy consumption."},"transport":{"id":"transport","nameFi":"Kulkuneuvon rahoitus, vakuutus & vero (tai kausilippu)","nameEn":"Vehicle financing, insurance, tax (or transit pass)","tilastokeskus_avg":160,"kkv_recommendation":85,"tipFi":"Auton rahoituserä ja vakuutukset (tai joukkoliikenne).","tipEn":"Fixed transport costs before fuel or tickets."},"insurance":{"id":"insurance","nameFi":"Koti-, terveys- ja tapaturmavakuutukset","nameEn":"Home, health and accident insurances","tilastokeskus_avg":28,"kkv_recommendation":20,"tipFi":"Kotivakuutus ja tapaturmavakuutus.","tipEn":"Essential risk protection without overlapping extra covers."},"telecom":{"id":"telecom","nameFi":"Puhelinliittymät & kodin laajakaista","nameEn":"Mobile SIMs & home broadband","tilastokeskus_avg":50,"kkv_recommendation":30,"tipFi":"Puhelinliittymä ja kodin laajakaista.","tipEn":"Reasonable SIM plan (10–18 €/mo) and building broadband."},"loans":{"id":"loans","nameFi":"Opintolaina & kulutusluottojen vähimmäiserät","nameEn":"Student loan & credit minimum payments","tilastokeskus_avg":60,"kkv_recommendation":0,"tipFi":"Jäljellä oleva opintolaina tai kulutusluotto.","tipEn":"Mandatory monthly debt amortisation."},"familyHealth":{"id":"familyHealth","nameFi":"Varhaiskasvatus, säännölliset lääkkeet & liiton jäsenyys","nameEn":"Daycare, regular medicines & union dues","tilastokeskus_avg":25,"kkv_recommendation":18,"tipFi":"Liiton jäsenmaksu ja säännölliset lääkekulut.","tipEn":"Statutory municipal and medical fixed commitments."}},"shadow_averages":{"eating_out_and_lunch":{"actual_avg":140,"kkv_minimum":40,"unitDescFi":"Työpaikkalounaat ulkona","unitDescEn":"Work lunches out"},"takeaway_and_snacks":{"actual_avg":50,"kkv_minimum":15,"unitDescFi":"Kahvilat ja nopeat noudot","unitDescEn":"Cafes and quick takeaways"},"impulse_goods_and_thrift":{"actual_avg":70,"kkv_minimum":25,"unitDescFi":"Kodin tavarat ja herätteet","unitDescEn":"Home goods and impulse buys"},"habits_and_stimulants":{"actual_avg":95,"kkv_minimum":0,"unitDescFi":"Nautintoaineet ja saunaostokset","unitDescEn":"Sauna beers and stimulants"},"mobility_convenience":{"actual_avg":35,"kkv_minimum":0,"unitDescFi":"Taksit ja pikapysäköinnit","unitDescEn":"Taxis and parking fees"},"digital_subs":{"actual_avg":45,"kkv_minimum":20,"unitDescFi":"Äänikirjat, lehdet ja suoratoistot","unitDescEn":"Audiobooks, newspapers, streaming"}}},"single_parent":{"id":"single_parent","labelFi":"Yksinhuoltaja (1–2 lasta)","labelEn":"Single parent (1–2 children)","descFi":"Suomen tilastollisesti haavoittuvin kotitaloustyyppi. Yhden aikuisen tulot, mutta monen hengen menot. Ajanpuute ohjaa pikaratkaisuihin.","descEn":"Statistically most vulnerable Finnish household. Single earner with multi-person costs. Time scarcity.","typicalNetIncomeEur":2450,"basic_groceries_recommended":510,"discretionary_national_median":320,"coicop_benchmarks":{"food":{"code":"01","key":"food","nameFi":"Elintarvikkeet & ruokakauppa","nameEn":"Food & basic groceries","tilastokeskus_avg":560,"kkv_recommendation":510,"isFixed":false,"descriptionFi":"Perheen perusruokakauppa ja koululaisten välipalat.","descriptionEn":"Basic groceries cooked at home.","kkvGuidanceFi":"KKV viitebudjetti yksinhuoltajaperheelle: 510 €/kk.","kkvGuidanceEn":"KKV single parent food 510 €/mo."},"alcohol_tobacco":{"code":"02","key":"alcohol_tobacco","nameFi":"Alkoholi & nikotiinituotteet","nameEn":"Alcohol & nicotine products","tilastokeskus_avg":45,"kkv_recommendation":0,"isFixed":false,"descriptionFi":"Satunnaiset rentoutumiskulut.","descriptionEn":"Beer, wine, spirits, cigarettes, vapes.","kkvGuidanceFi":"Ei kuulu viitebudjettiin.","kkvGuidanceEn":"Zero in KKV baseline."},"clothing":{"code":"03","key":"clothing","nameFi":"Vaatetus & jalkineet","nameEn":"Clothing & footwear","tilastokeskus_avg":110,"kkv_recommendation":85,"isFixed":false,"descriptionFi":"Lasten kasvupyrähdykset, kuravaatteet ja kengät.","descriptionEn":"Seasonal clothing and shoes.","kkvGuidanceFi":"Second hand (Tori/Vinted) säästää lapsiperheissä satoja euroja.","kkvGuidanceEn":"Second hand essential for kids."},"housing":{"code":"04","key":"housing","nameFi":"Asuminen, sähkö & lämmitys","nameEn":"Housing, energy & utilities","tilastokeskus_avg":980,"kkv_recommendation":850,"isFixed":true,"descriptionFi":"Perheasunnon vuokra tai vastike ja lainanhoito.","descriptionEn":"Rent/maintenance, heating, electricity, water.","kkvGuidanceFi":"Asumistuki ja elatusapu tasoittavat menoja.","kkvGuidanceEn":"Child support & allowance."},"furnishings":{"code":"05","key":"furnishings","nameFi":"Kodin ylläpito & koneet","nameEn":"Furnishings & home equipment","tilastokeskus_avg":50,"kkv_recommendation":35,"isFixed":false,"descriptionFi":"Lastenhuoneen kalusteet ja kodinhoito.","descriptionEn":"Furniture, appliances, cleaning tools.","kkvGuidanceFi":"Kestävät peruskalusteet.","kkvGuidanceEn":"Durable furniture."},"health":{"code":"06","key":"health","nameFi":"Terveys & lääkemenot","nameEn":"Health & prescription medicine","tilastokeskus_avg":65,"kkv_recommendation":45,"isFixed":false,"descriptionFi":"Lasten sairastelut, reseptilääkkeet, vitamiinit.","descriptionEn":"Prescription drugs, dental care, clinic fees.","kkvGuidanceFi":"Julkinen terveydenhuolto ja maksukatot.","kkvGuidanceEn":"Healthcare ceiling."},"transport":{"code":"07","key":"transport","nameFi":"Liikenne & kulkuneuvot","nameEn":"Transport & mobility","tilastokeskus_avg":150,"kkv_recommendation":90,"isFixed":true,"descriptionFi":"Lasten kuskaus, joukkoliikenne tai pieni perheauto.","descriptionEn":"Vehicle loan, fuel, transit pass, maintenance.","kkvGuidanceFi":"Autottomuus säästää jopa 300 €/kk jos joukkoliikenne toimii.","kkvGuidanceEn":"Car-free saves 300 €/mo."},"communication":{"code":"08","key":"communication","nameFi":"Viestintä & puhelinliittymät","nameEn":"Telecom & broadband","tilastokeskus_avg":55,"kkv_recommendation":35,"isFixed":true,"descriptionFi":"Vanhemman ja lasten puhelinliittymät sekä kodin netti.","descriptionEn":"Mobile subscriptions, home fibre, 5G.","kkvGuidanceFi":"Lasten rajattomat liittymät kannattaa kilpailuttaa (9–13 €/kk).","kkvGuidanceEn":"Kids SIMs 9-13 €/mo."},"recreation":{"code":"09","key":"recreation","nameFi":"Virkistys, harrastukset & suoratoistot","nameEn":"Recreation, hobbies & streaming","tilastokeskus_avg":120,"kkv_recommendation":80,"isFixed":false,"descriptionFi":"Lasten harrastukset, lelut, synttärit, suoratoistot.","descriptionEn":"Gym, hobbies, pets, streaming subs.","kkvGuidanceFi":"KKV kohtuullinen lasten vapaa-ajan budjetti: 80 €/kk.","kkvGuidanceEn":"KKV kid leisure 80 €/mo."},"education":{"code":"10","key":"education","nameFi":"Koulutus & oppimateriaalit","nameEn":"Education & courses","tilastokeskus_avg":20,"kkv_recommendation":10,"isFixed":false,"descriptionFi":"Koulutarvikkeet ja retket.","descriptionEn":"Books, courses, professional training.","kkvGuidanceFi":"Maksuton peruskoulu.","kkvGuidanceEn":"Free school."},"restaurants":{"code":"11","key":"restaurants","nameFi":"Ravintolat, lounaat & Wolt","nameEn":"Restaurants, lunches & delivery","tilastokeskus_avg":120,"kkv_recommendation":40,"isFixed":false,"descriptionFi":"Pikaruoka, noutoruoka kiireessä ja jäätelöt.","descriptionEn":"Work lunches, dinners out, takeaway food.","kkvGuidanceFi":"Kiireessä Wolt ja hampurilaiset tuovat helpotusta mutta vievät puskurin.","kkvGuidanceEn":"Convenience delivery trap."},"miscellaneous":{"code":"12","key":"miscellaneous","nameFi":"Muut palvelut, vakuutukset & hygienia","nameEn":"Personal care & financial services","tilastokeskus_avg":70,"kkv_recommendation":45,"isFixed":false,"descriptionFi":"Perheen hygienia, vaipat, parturi ja vakuutukset.","descriptionEn":"Hygiene, hairdressing, insurances, bank fees.","kkvGuidanceFi":"Välttämättömät perushankinnat.","kkvGuidanceEn":"Basic family necessities."}},"fixed_breakdown":{"housing":{"id":"housing","nameFi":"Vuokra tai yhtiövastike & asuntolaina","nameEn":"Rent or maintenance charge & mortgage","tilastokeskus_avg":980,"kkv_recommendation":850,"tipFi":"Kolmion vuokra tai asumiskulut lapsiperheelle.","tipEn":"Benchmark for local reasonable housing according to KKV guidelines."},"energy":{"id":"energy","nameFi":"Sähkö, lämmitys & vesimaksut","nameEn":"Electricity, heating & water","tilastokeskus_avg":75,"kkv_recommendation":55,"tipFi":"Pyykin- ja tiskikoneen pyöritys, sähkölaskut.","tipEn":"Electricity base fee & transmission vs spot energy consumption."},"transport":{"id":"transport","nameFi":"Kulkuneuvon rahoitus, vakuutus & vero (tai kausilippu)","nameEn":"Vehicle financing, insurance, tax (or transit pass)","tilastokeskus_avg":120,"kkv_recommendation":80,"tipFi":"Joukkoliikenneliput tai pienen auton pakolliset kulut.","tipEn":"Fixed transport costs before fuel or tickets."},"insurance":{"id":"insurance","nameFi":"Koti-, terveys- ja tapaturmavakuutukset","nameEn":"Home, health and accident insurances","tilastokeskus_avg":35,"kkv_recommendation":25,"tipFi":"Laaja kotivakuutus ja lapsivakuutukset.","tipEn":"Essential risk protection without overlapping extra covers."},"telecom":{"id":"telecom","nameFi":"Puhelinliittymät & kodin laajakaista","nameEn":"Mobile SIMs & home broadband","tilastokeskus_avg":55,"kkv_recommendation":35,"tipFi":"Kodin netti ja perheen puhelinliittymät.","tipEn":"Reasonable SIM plan (10–18 €/mo) and building broadband."},"loans":{"id":"loans","nameFi":"Opintolaina & kulutusluottojen vähimmäiserät","nameEn":"Student loan & credit minimum payments","tilastokeskus_avg":50,"kkv_recommendation":0,"tipFi":"Opintolaina tai osamaksut.","tipEn":"Mandatory monthly debt amortisation."},"familyHealth":{"id":"familyHealth","nameFi":"Varhaiskasvatus, säännölliset lääkkeet & liiton jäsenyys","nameEn":"Daycare, regular medicines & union dues","tilastokeskus_avg":120,"kkv_recommendation":90,"tipFi":"Varhaiskasvatusmaksu / päivähoito ja lääkkeet.","tipEn":"Statutory municipal and medical fixed commitments."}},"shadow_averages":{"eating_out_and_lunch":{"actual_avg":80,"kkv_minimum":30,"unitDescFi":"Kiireen noutoruoat ja pikaruoka","unitDescEn":"Rush takeaways and quick meals"},"takeaway_and_snacks":{"actual_avg":50,"kkv_minimum":15,"unitDescFi":"Lasten välipalat ja jäätelöt kaupungilla","unitDescEn":"Kid snacks and ice creams"},"impulse_goods_and_thrift":{"actual_avg":85,"kkv_minimum":35,"unitDescFi":"Lasten lelut, vaate-ale ja herätteet","unitDescEn":"Toys, clothes sales and treats"},"habits_and_stimulants":{"actual_avg":45,"kkv_minimum":0,"unitDescFi":"Vanhemman kahvit ja virvokkeet","unitDescEn":"Parent coffees and stimulants"},"mobility_convenience":{"actual_avg":25,"kkv_minimum":0,"unitDescFi":"Lyhyet mukavuusajot ja taksit","unitDescEn":"Emergency short rides"},"digital_subs":{"actual_avg":35,"kkv_minimum":15,"unitDescFi":"Lasten suoratoistot ja pelitilaukset","unitDescEn":"Family streaming and kids games"}}},"couple":{"id":"couple","labelFi":"Kahden aikuisen talous (pariskunta)","labelEn":"Couple / two-adult household","descFi":"Jaetut asumismenot vapauttavat käyttövaraa, mikä johtaa herkästi yhteisten arki-illallisten ja Wolt-tilausten toistuvuuteen.","descEn":"Shared fixed housing costs free up cashflow, often increasing dining and convenience frequency.","typicalNetIncomeEur":4900,"basic_groceries_recommended":520,"discretionary_national_median":1120,"coicop_benchmarks":{"food":{"code":"01","key":"food","nameFi":"Elintarvikkeet & ruokakauppa","nameEn":"Food & basic groceries","tilastokeskus_avg":640,"kkv_recommendation":520,"isFixed":false,"descriptionFi":"Kahden hengen ruokakauppa ja laadukkaat ateriat.","descriptionEn":"Basic groceries cooked at home.","kkvGuidanceFi":"KKV:n kohtuullinen minimi pariskunnalle: 520 €/kk.","kkvGuidanceEn":"KKV couple food 520 €/mo."},"alcohol_tobacco":{"code":"02","key":"alcohol_tobacco","nameFi":"Alkoholi & nikotiinituotteet","nameEn":"Alcohol & nicotine products","tilastokeskus_avg":140,"kkv_recommendation":0,"isFixed":false,"descriptionFi":"Viikonloppuviinit, oluet ja saunaostokset.","descriptionEn":"Beer, wine, spirits, cigarettes, vapes.","kkvGuidanceFi":"Ei kuulu viitebudjettiin.","kkvGuidanceEn":"Zero in KKV baseline."},"clothing":{"code":"03","key":"clothing","nameFi":"Vaatetus & jalkineet","nameEn":"Clothing & footwear","tilastokeskus_avg":120,"kkv_recommendation":85,"isFixed":false,"descriptionFi":"Molempien aikuisten vaatteet ja jalkineet.","descriptionEn":"Seasonal clothing and shoes.","kkvGuidanceFi":"KKV suositus kahdelle aikuiselle: 85 €/kk.","kkvGuidanceEn":"KKV couple clothes 85 €/mo."},"housing":{"code":"04","key":"housing","nameFi":"Asuminen, sähkö & lämmitys","nameEn":"Housing, energy & utilities","tilastokeskus_avg":1250,"kkv_recommendation":1050,"isFixed":true,"descriptionFi":"Kaksion/kolmion vuokra tai vastike ja asuntolaina.","descriptionEn":"Rent/maintenance, heating, electricity, water.","kkvGuidanceFi":"Jaettu asuminen puolittaa yksilökustannuksen.","kkvGuidanceEn":"Shared housing halves individual cost."},"furnishings":{"code":"05","key":"furnishings","nameFi":"Kodin ylläpito & koneet","nameEn":"Furnishings & home equipment","tilastokeskus_avg":85,"kkv_recommendation":50,"isFixed":false,"descriptionFi":"Kodin sisustus, elektroniikka ja huonekalut.","descriptionEn":"Furniture, appliances, cleaning tools.","kkvGuidanceFi":"Kohtuulliset perushankinnat.","kkvGuidanceEn":"Home equipment."},"health":{"code":"06","key":"health","nameFi":"Terveys & lääkemenot","nameEn":"Health & prescription medicine","tilastokeskus_avg":80,"kkv_recommendation":55,"isFixed":false,"descriptionFi":"Molempien lääkkeet, hammashoito ja terveyspalvelut.","descriptionEn":"Prescription drugs, dental care, clinic fees.","kkvGuidanceFi":"Julkinen terveydenhuolto.","kkvGuidanceEn":"Public health."},"transport":{"code":"07","key":"transport","nameFi":"Liikenne & kulkuneuvot","nameEn":"Transport & mobility","tilastokeskus_avg":320,"kkv_recommendation":160,"isFixed":true,"descriptionFi":"Yksi tai kaksi autoa, polttoaineet ja liput.","descriptionEn":"Vehicle loan, fuel, transit pass, maintenance.","kkvGuidanceFi":"Kahden auton pitäminen vie helposti yli 600 €/kk.","kkvGuidanceEn":"Two cars cost over 600 €/mo."},"communication":{"code":"08","key":"communication","nameFi":"Viestintä & puhelinliittymät","nameEn":"Telecom & broadband","tilastokeskus_avg":75,"kkv_recommendation":45,"isFixed":true,"descriptionFi":"Molemmat puhelinliittymät ja nopea kodin netti.","descriptionEn":"Mobile subscriptions, home fibre, 5G.","kkvGuidanceFi":"Yhteinen kodin laajakaista puolittaa nettokulun.","kkvGuidanceEn":"Shared fibre cuts per-person cost."},"recreation":{"code":"09","key":"recreation","nameFi":"Virkistys, harrastukset & suoratoistot","nameEn":"Recreation, hobbies & streaming","tilastokeskus_avg":210,"kkv_recommendation":130,"isFixed":false,"descriptionFi":"Yhteiset harrastukset, suoratoistot, lemmikit, matkat.","descriptionEn":"Gym, hobbies, pets, streaming subs.","kkvGuidanceFi":"KKV suositus kahdelle: 130 €/kk.","kkvGuidanceEn":"KKV leisure 130 €/mo."},"education":{"code":"10","key":"education","nameFi":"Koulutus & oppimateriaalit","nameEn":"Education & courses","tilastokeskus_avg":35,"kkv_recommendation":15,"isFixed":false,"descriptionFi":"Kurssit ja kirjat.","descriptionEn":"Books, courses, professional training.","kkvGuidanceFi":"Koulutus.","kkvGuidanceEn":"Education."},"restaurants":{"code":"11","key":"restaurants","nameFi":"Ravintolat, lounaat & Wolt","nameEn":"Restaurants, lunches & delivery","tilastokeskus_avg":310,"kkv_recommendation":90,"isFixed":false,"descriptionFi":"Lounaat, ravintolaillalliset ja Wolt-tilaukset kahdelle.","descriptionEn":"Work lunches, dinners out, takeaway food.","kkvGuidanceFi":"Pariskuntien merkittävin elintapavuoto.","kkvGuidanceEn":"Major couple leak."},"miscellaneous":{"code":"12","key":"miscellaneous","nameFi":"Muut palvelut, vakuutukset & hygienia","nameEn":"Personal care & financial services","tilastokeskus_avg":120,"kkv_recommendation":75,"isFixed":false,"descriptionFi":"Parturi, kampaamo, kosmetiikka, vakuutukset.","descriptionEn":"Hygiene, hairdressing, insurances, bank fees.","kkvGuidanceFi":"Perushygienia ja pankkimaksut.","kkvGuidanceEn":"Personal care."}},"fixed_breakdown":{"housing":{"id":"housing","nameFi":"Vuokra tai yhtiövastike & asuntolaina","nameEn":"Rent or maintenance charge & mortgage","tilastokeskus_avg":1250,"kkv_recommendation":1050,"tipFi":"Yhteinen asunto (vuokra tai vastike ja lainanlyhennys).","tipEn":"Benchmark for local reasonable housing according to KKV guidelines."},"energy":{"id":"energy","nameFi":"Sähkö, lämmitys & vesimaksut","nameEn":"Electricity, heating & water","tilastokeskus_avg":85,"kkv_recommendation":65,"tipFi":"Sähkölaskut ja vesimaksut kahdelta hengeltä.","tipEn":"Electricity base fee & transmission vs spot energy consumption."},"transport":{"id":"transport","nameFi":"Kulkuneuvon rahoitus, vakuutus & vero (tai kausilippu)","nameEn":"Vehicle financing, insurance, tax (or transit pass)","tilastokeskus_avg":240,"kkv_recommendation":140,"tipFi":"Auton rahoituserät tai kahden hengen kausiliput.","tipEn":"Fixed transport costs before fuel or tickets."},"insurance":{"id":"insurance","nameFi":"Koti-, terveys- ja tapaturmavakuutukset","nameEn":"Home, health and accident insurances","tilastokeskus_avg":42,"kkv_recommendation":30,"tipFi":"Kodin laaja vakuutus ja henkilövakuutukset.","tipEn":"Essential risk protection without overlapping extra covers."},"telecom":{"id":"telecom","nameFi":"Puhelinliittymät & kodin laajakaista","nameEn":"Mobile SIMs & home 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out"},"takeaway_and_snacks":{"actual_avg":95,"kkv_minimum":30,"unitDescFi":"Noutoruoat, Wolt ja viikonloppuherkut","unitDescEn":"Takeaway, Wolt and weekend treats"},"impulse_goods_and_thrift":{"actual_avg":120,"kkv_minimum":45,"unitDescFi":"Kodin sisustus, krääsä ja viihde","unitDescEn":"Home decor, lifestyle and leisure"},"habits_and_stimulants":{"actual_avg":140,"kkv_minimum":0,"unitDescFi":"Nautintoaineet ja viikonloppujuomat","unitDescEn":"Stimulants and weekend drinks"},"mobility_convenience":{"actual_avg":55,"kkv_minimum":0,"unitDescFi":"Taksit ja yhteiset mukavuusajot","unitDescEn":"Taxis and convenience hops"},"digital_subs":{"actual_avg":60,"kkv_minimum":25,"unitDescFi":"Tupla-suoratoistot ja sovellustilaukset","unitDescEn":"Duplicate streaming and subs"}}},"family_with_kids":{"id":"family_with_kids","labelFi":"Lapsiperhe (1–3 lasta)","labelEn":"Family with 1–3 children","descFi":"Menot moninkertaistuvat: ruokakori, harrastukset, vaatteet ja perheauto. Kiinteiden kulujen suuri massa luo tarpeen vahvalle puskurille.","descEn":"Multiplied household costs: large grocery basket, hobbies, kids clothing and family car.","typicalNetIncomeEur":5200,"basic_groceries_recommended":780,"discretionary_national_median":890,"coicop_benchmarks":{"food":{"code":"01","key":"food","nameFi":"Elintarvikkeet & ruokakauppa","nameEn":"Food & basic groceries","tilastokeskus_avg":920,"kkv_recommendation":780,"isFixed":false,"descriptionFi":"Koko perheen kotiruoka ja runsaat peruselintarvikkeet.","descriptionEn":"Basic groceries cooked at home.","kkvGuidanceFi":"KKV kohtuullinen ruokakori lapsiperheelle: 780 €/kk.","kkvGuidanceEn":"KKV family food 780 €/mo."},"alcohol_tobacco":{"code":"02","key":"alcohol_tobacco","nameFi":"Alkoholi & nikotiinituotteet","nameEn":"Alcohol & nicotine products","tilastokeskus_avg":70,"kkv_recommendation":0,"isFixed":false,"descriptionFi":"Aikuisten saunajuomat.","descriptionEn":"Beer, wine, spirits, cigarettes, vapes.","kkvGuidanceFi":"Ei kuulu viitebudjettiin.","kkvGuidanceEn":"Zero in KKV baseline."},"clothing":{"code":"03","key":"clothing","nameFi":"Vaatetus & jalkineet","nameEn":"Clothing & footwear","tilastokeskus_avg":160,"kkv_recommendation":120,"isFixed":false,"descriptionFi":"Lasten haalarit, kengät, kausivaatteet ja vanhempien vaatteet.","descriptionEn":"Seasonal clothing and shoes.","kkvGuidanceFi":"KKV viitebudjetti nelihenkiselle perheelle: 120 €/kk.","kkvGuidanceEn":"KKV family clothes 120 €/mo."},"housing":{"code":"04","key":"housing","nameFi":"Asuminen, sähkö & lämmitys","nameEn":"Housing, energy & utilities","tilastokeskus_avg":1480,"kkv_recommendation":1250,"isFixed":true,"descriptionFi":"Perheasunnon tai omakotitalon vastike/laina/vuokra.","descriptionEn":"Rent/maintenance, heating, electricity, water.","kkvGuidanceFi":"Asuminen on perheen suurin yksittäinen kuluerä.","kkvGuidanceEn":"Housing is largest expense."},"furnishings":{"code":"05","key":"furnishings","nameFi":"Kodin ylläpito & koneet","nameEn":"Furnishings & home equipment","tilastokeskus_avg":110,"kkv_recommendation":70,"isFixed":false,"descriptionFi":"Lasten kalusteet, rikkoutuneet kodinkoneet ja astiat.","descriptionEn":"Furniture, appliances, cleaning tools.","kkvGuidanceFi":"Kohtuullinen ylläpito.","kkvGuidanceEn":"Household maintenance."},"health":{"code":"06","key":"health","nameFi":"Terveys & lääkemenot","nameEn":"Health & prescription medicine","tilastokeskus_avg":115,"kkv_recommendation":75,"isFixed":false,"descriptionFi":"Lasten lääkärikäynnit, lääkkeet, hammashoidot.","descriptionEn":"Prescription drugs, dental care, clinic fees.","kkvGuidanceFi":"Lapsivakuutus ja julkisen hammashoidon maksuttomuus lapsille.","kkvGuidanceEn":"Free kids dental."},"transport":{"code":"07","key":"transport","nameFi":"Liikenne & kulkuneuvot","nameEn":"Transport & mobility","tilastokeskus_avg":420,"kkv_recommendation":240,"isFixed":true,"descriptionFi":"Perheauto (polttoaineet, katsastus, renkaat, vakuutus).","descriptionEn":"Vehicle loan, fuel, transit pass, maintenance.","kkvGuidanceFi":"Auton kulut ovat usein 400–600 €/kk ilman että sitä huomataan.","kkvGuidanceEn":"Car costs often 400-600 €/mo."},"communication":{"code":"08","key":"communication","nameFi":"Viestintä & puhelinliittymät","nameEn":"Telecom & broadband","tilastokeskus_avg":95,"kkv_recommendation":55,"isFixed":true,"descriptionFi":"Koko perheen puhelinliittymät, kellopuhelimet ja kodin netti.","descriptionEn":"Mobile subscriptions, home fibre, 5G.","kkvGuidanceFi":"Kilpailuta liittymät kerran vuodessa: säästö jopa 300 €/vuosi.","kkvGuidanceEn":"Annual review saves 300 €/yr."},"recreation":{"code":"09","key":"recreation","nameFi":"Virkistys, harrastukset & suoratoistot","nameEn":"Recreation, hobbies & streaming","tilastokeskus_avg":260,"kkv_recommendation":160,"isFixed":false,"descriptionFi":"Lasten harrastukset, urheiluseurat, lelut, retket, suoratoistot.","descriptionEn":"Gym, hobbies, pets, streaming subs.","kkvGuidanceFi":"KKV suositus perheen vapaa-aikaan: 160 €/kk.","kkvGuidanceEn":"KKV family leisure 160 €/mo."},"education":{"code":"10","key":"education","nameFi":"Koulutus & oppimateriaalit","nameEn":"Education & courses","tilastokeskus_avg":30,"kkv_recommendation":15,"isFixed":false,"descriptionFi":"Koulutarvikkeet ja harrasteopinnot.","descriptionEn":"Books, courses, professional training.","kkvGuidanceFi":"Maksuton perusopetus.","kkvGuidanceEn":"Free school."},"restaurants":{"code":"11","key":"restaurants","nameFi":"Ravintolat, lounaat & Wolt","nameEn":"Restaurants, lunches & delivery","tilastokeskus_avg":220,"kkv_recommendation":65,"isFixed":false,"descriptionFi":"Pikaruoka, perhepizzat, jäätelökioskit ja Wolt.","descriptionEn":"Work lunches, dinners out, takeaway food.","kkvGuidanceFi":"Kiireen pikaruokailu ja herkut kerryttävät helposti satasia.","kkvGuidanceEn":"Quick family takeout adds up."},"miscellaneous":{"code":"12","key":"miscellaneous","nameFi":"Muut palvelut, vakuutukset & hygienia","nameEn":"Personal care & financial services","tilastokeskus_avg":140,"kkv_recommendation":85,"isFixed":false,"descriptionFi":"Lasten parturit, hygienia, vakuutukset ja pankkimaksut.","descriptionEn":"Hygiene, hairdressing, insurances, bank fees.","kkvGuidanceFi":"Koko perheen perushygienia.","kkvGuidanceEn":"Family personal care."}},"fixed_breakdown":{"housing":{"id":"housing","nameFi":"Vuokra tai yhtiövastike & asuntolaina","nameEn":"Rent or maintenance charge & mortgage","tilastokeskus_avg":1480,"kkv_recommendation":1250,"tipFi":"Perheasunnon lainanhoitokulut tai vuokra ja vastikkeet.","tipEn":"Benchmark for local reasonable housing according to KKV guidelines."},"energy":{"id":"energy","nameFi":"Sähkö, lämmitys & vesimaksut","nameEn":"Electricity, heating & water","tilastokeskus_avg":140,"kkv_recommendation":95,"tipFi":"Omakotitalon tai suuren asunnon sähkö ja lämmitys.","tipEn":"Electricity base fee & transmission vs spot energy consumption."},"transport":{"id":"transport","nameFi":"Kulkuneuvon rahoitus, vakuutus & vero (tai kausilippu)","nameEn":"Vehicle financing, insurance, tax (or transit pass)","tilastokeskus_avg":310,"kkv_recommendation":180,"tipFi":"Perheauton lainanlyhennys, kasko ja ajoneuvovero.","tipEn":"Fixed transport costs before fuel or tickets."},"insurance":{"id":"insurance","nameFi":"Koti-, terveys- ja tapaturmavakuutukset","nameEn":"Home, health and accident insurances","tilastokeskus_avg":65,"kkv_recommendation":45,"tipFi":"Kodin laaja vakuutus, lapsivakuutukset ja henkivakuutus.","tipEn":"Essential risk protection without overlapping extra covers."},"telecom":{"id":"telecom","nameFi":"Puhelinliittymät & kodin laajakaista","nameEn":"Mobile SIMs & home broadband","tilastokeskus_avg":95,"kkv_recommendation":55,"tipFi":"Vanhempien ja lasten liittymät sekä nopea kuitu/5G.","tipEn":"Reasonable SIM plan (10–18 €/mo) and building broadband."},"loans":{"id":"loans","nameFi":"Opintolaina & kulutusluottojen vähimmäiserät","nameEn":"Student loan & credit minimum payments","tilastokeskus_avg":90,"kkv_recommendation":0,"tipFi":"Opintolainat tai autoluoton jäännöserä.","tipEn":"Mandatory monthly debt amortisation."},"familyHealth":{"id":"familyHealth","nameFi":"Varhaiskasvatus, säännölliset lääkkeet & liiton jäsenyys","nameEn":"Daycare, regular medicines & union dues","tilastokeskus_avg":280,"kkv_recommendation":200,"tipFi":"Päivähoitomaksut (varhaiskasvatus) ja kerhomaksut.","tipEn":"Statutory municipal and medical fixed commitments."}},"shadow_averages":{"eating_out_and_lunch":{"actual_avg":190,"kkv_minimum":50,"unitDescFi":"Perheen pikaruoka ja vanhempien lounaat","unitDescEn":"Family fast food and parent lunches"},"takeaway_and_snacks":{"actual_avg":110,"kkv_minimum":30,"unitDescFi":"Kotiinkuljetukset, jäätelöt ja herkut","unitDescEn":"Deliveries, ice creams and snacks"},"impulse_goods_and_thrift":{"actual_avg":160,"kkv_minimum":60,"unitDescFi":"Lasten lelut, vaatteet ja herätteet","unitDescEn":"Children's toys, clothing and impulse items"},"habits_and_stimulants":{"actual_avg":70,"kkv_minimum":0,"unitDescFi":"Vanhempien kahvit ja nautintoaineet","unitDescEn":"Parent coffees and stimulants"},"mobility_convenience":{"actual_avg":40,"kkv_minimum":0,"unitDescFi":"Pikapysäköinnit ja autopesut","unitDescEn":"Quick parking and car washes"},"digital_subs":{"actual_avg":65,"kkv_minimum":25,"unitDescFi":"Disney+, Netflix, Roblox ja pelit","unitDescEn":"Disney+, Netflix, Roblox and gaming"}}},"senior_pensioner":{"id":"senior_pensioner","labelFi":"Eläkeläinen / Senioritalous","labelEn":"Pensioner / Senior household","descFi":"Ei työmatka- tai lounaskuluja. Menot painottuvat terveyteen, lääkkeisiin, kodin lämpöön ja perusarkeen. Sähkön ja lääkkeiden hintapiikit osuvat herkästi.","descEn":"No commuting or work lunch costs. Higher healthcare, medication, and heating share.","typicalNetIncomeEur":1850,"basic_groceries_recommended":260,"discretionary_national_median":410,"coicop_benchmarks":{"food":{"code":"01","key":"food","nameFi":"Elintarvikkeet & ruokakauppa","nameEn":"Food & basic groceries","tilastokeskus_avg":310,"kkv_recommendation":260,"isFixed":false,"descriptionFi":"Terveellinen ja laadukas peruskotiruoka.","descriptionEn":"Basic groceries cooked at home.","kkvGuidanceFi":"KKV:n viitebudjetti seniorille: 260 €/kk.","kkvGuidanceEn":"KKV senior food 260 €/mo."},"alcohol_tobacco":{"code":"02","key":"alcohol_tobacco","nameFi":"Alkoholi & nikotiinituotteet","nameEn":"Alcohol & nicotine products","tilastokeskus_avg":40,"kkv_recommendation":0,"isFixed":false,"descriptionFi":"Saunajuomat tai satunnainen viini.","descriptionEn":"Beer, wine, spirits, cigarettes, vapes.","kkvGuidanceFi":"Ei kuulu viitebudjettiin.","kkvGuidanceEn":"Zero in KKV baseline."},"clothing":{"code":"03","key":"clothing","nameFi":"Vaatetus & jalkineet","nameEn":"Clothing & footwear","tilastokeskus_avg":35,"kkv_recommendation":25,"isFixed":false,"descriptionFi":"Kestävät mukavuusvaatteet ja kengät.","descriptionEn":"Seasonal clothing and shoes.","kkvGuidanceFi":"KKV suositus seniorille: 25 €/kk.","kkvGuidanceEn":"KKV senior clothes 25 €/mo."},"housing":{"code":"04","key":"housing","nameFi":"Asuminen, sähkö & lämmitys","nameEn":"Housing, energy & utilities","tilastokeskus_avg":640,"kkv_recommendation":520,"isFixed":true,"descriptionFi":"Velattoman asunnon yhtiövastike tai vuokra.","descriptionEn":"Rent/maintenance, heating, electricity, water.","kkvGuidanceFi":"Velattomassakin asunnossa vastikkeet ja remontit vievät satoja euroja.","kkvGuidanceEn":"Maintenance fees and renovations."},"furnishings":{"code":"05","key":"furnishings","nameFi":"Kodin ylläpito & koneet","nameEn":"Furnishings & home equipment","tilastokeskus_avg":30,"kkv_recommendation":20,"isFixed":false,"descriptionFi":"Kodin ylläpito ja puhtaanapito.","descriptionEn":"Furniture, appliances, cleaning tools.","kkvGuidanceFi":"Kohtuullinen ylläpito.","kkvGuidanceEn":"Home upkeep."},"health":{"code":"06","key":"health","nameFi":"Terveys & lääkemenot","nameEn":"Health & prescription medicine","tilastokeskus_avg":95,"kkv_recommendation":65,"isFixed":false,"descriptionFi":"Säännölliset reseptilääkkeet, silmälasit, lääkärit.","descriptionEn":"Prescription drugs, dental care, clinic fees.","kkvGuidanceFi":"Kela-lääkekatto (n. 630 €/vuosi) suojaa suurilta lääkelaskuilta.","kkvGuidanceEn":"Kela annual medicine ceiling."},"transport":{"code":"07","key":"transport","nameFi":"Liikenne & kulkuneuvot","nameEn":"Transport & mobility","tilastokeskus_avg":90,"kkv_recommendation":50,"isFixed":true,"descriptionFi":"Seniorialennus joukkoliikenteestä tai pieni auto.","descriptionEn":"Vehicle loan, fuel, transit pass, maintenance.","kkvGuidanceFi":"Seniorialennusliput ja asiointitaksit.","kkvGuidanceEn":"Senior transit discounts."},"communication":{"code":"08","key":"communication","nameFi":"Viestintä & puhelinliittymät","nameEn":"Telecom & broadband","tilastokeskus_avg":32,"kkv_recommendation":20,"isFixed":true,"descriptionFi":"Peruspuhelinliittymä ja tv/netti.","descriptionEn":"Mobile subscriptions, home fibre, 5G.","kkvGuidanceFi":"Vältä kalliita 5G-liittymiä peruspuhelimessa.","kkvGuidanceEn":"Avoid unnecessary high-speed plans."},"recreation":{"code":"09","key":"recreation","nameFi":"Virkistys, harrastukset & suoratoistot","nameEn":"Recreation, hobbies & streaming","tilastokeskus_avg":80,"kkv_recommendation":50,"isFixed":false,"descriptionFi":"Sanomalehdet, kirjat, käsityöt, mökkeily, lapsenlapset.","descriptionEn":"Gym, hobbies, pets, streaming subs.","kkvGuidanceFi":"Painettujen lehtien tilaukset vievät jopa 50 €/kk.","kkvGuidanceEn":"Print newspaper subs add up."},"education":{"code":"10","key":"education","nameFi":"Koulutus & oppimateriaalit","nameEn":"Education & courses","tilastokeskus_avg":10,"kkv_recommendation":5,"isFixed":false,"descriptionFi":"Kansalaisopiston kurssit.","descriptionEn":"Books, courses, professional training.","kkvGuidanceFi":"Kansalaisopisto tarjoaa edullisia harrasteita.","kkvGuidanceEn":"Community college courses."},"restaurants":{"code":"11","key":"restaurants","nameFi":"Ravintolat, lounaat & Wolt","nameEn":"Restaurants, lunches & delivery","tilastokeskus_avg":50,"kkv_recommendation":25,"isFixed":false,"descriptionFi":"Kahvilat ja satunnaiset lounaat.","descriptionEn":"Work lunches, dinners out, takeaway food.","kkvGuidanceFi":"Ulkona syöminen on maltillista.","kkvGuidanceEn":"Dining out is modest."},"miscellaneous":{"code":"12","key":"miscellaneous","nameFi":"Muut palvelut, vakuutukset & hygienia","nameEn":"Personal care & financial services","tilastokeskus_avg":55,"kkv_recommendation":35,"isFixed":false,"descriptionFi":"Jalkahoito, parturi, kotivakuutus ja pankkipalvelut.","descriptionEn":"Hygiene, hairdressing, insurances, bank fees.","kkvGuidanceFi":"Pankkien konttori- ja laskunmaksupalvelut maksavat paljon.","kkvGuidanceEn":"Avoid branch paper bill fees."}},"fixed_breakdown":{"housing":{"id":"housing","nameFi":"Vuokra tai yhtiövastike & asuntolaina","nameEn":"Rent or maintenance charge & mortgage","tilastokeskus_avg":640,"kkv_recommendation":520,"tipFi":"Hoitovastike ja korjausvastikkeet tai eläkeläisasunnon vuokra.","tipEn":"Benchmark for local reasonable housing according to KKV guidelines."},"energy":{"id":"energy","nameFi":"Sähkö, lämmitys & vesimaksut","nameEn":"Electricity, heating & water","tilastokeskus_avg":65,"kkv_recommendation":45,"tipFi":"Lämmitys ja sähkölaskut.","tipEn":"Electricity base fee & transmission vs spot energy consumption."},"transport":{"id":"transport","nameFi":"Kulkuneuvon rahoitus, vakuutus & vero (tai kausilippu)","nameEn":"Vehicle financing, insurance, tax (or transit pass)","tilastokeskus_avg":60,"kkv_recommendation":45,"tipFi":"Joukkoliikenteen seniorilippu tai katsastettu perusauto.","tipEn":"Fixed transport costs before fuel or tickets."},"insurance":{"id":"insurance","nameFi":"Koti-, terveys- ja tapaturmavakuutukset","nameEn":"Home, health and accident insurances","tilastokeskus_avg":25,"kkv_recommendation":18,"tipFi":"Kotivakuutus.","tipEn":"Essential risk protection without overlapping extra covers."},"telecom":{"id":"telecom","nameFi":"Puhelinliittymät & kodin laajakaista","nameEn":"Mobile SIMs & home broadband","tilastokeskus_avg":32,"kkv_recommendation":20,"tipFi":"Kohtuullinen puhelinliittymä ja perusnetti.","tipEn":"Reasonable SIM plan (10–18 €/mo) and building broadband."},"loans":{"id":"loans","nameFi":"Opintolaina & kulutusluottojen vähimmäiserät","nameEn":"Student loan & credit minimum payments","tilastokeskus_avg":0,"kkv_recommendation":0,"tipFi":"Tyypillisesti velaton talous.","tipEn":"Mandatory monthly debt amortisation."},"familyHealth":{"id":"familyHealth","nameFi":"Varhaiskasvatus, säännölliset lääkkeet & liiton jäsenyys","nameEn":"Daycare, regular medicines & union dues","tilastokeskus_avg":85,"kkv_recommendation":60,"tipFi":"Säännölliset lääkemenot ja terveydenhoitokulut.","tipEn":"Statutory municipal and medical fixed commitments."}},"shadow_averages":{"eating_out_and_lunch":{"actual_avg":40,"kkv_minimum":20,"unitDescFi":"Satunnaiset kahvilat ja torikahvit","unitDescEn":"Occasional cafes and market visits"},"takeaway_and_snacks":{"actual_avg":25,"kkv_minimum":10,"unitDescFi":"Leipomot ja herkut","unitDescEn":"Bakery treats and snacks"},"impulse_goods_and_thrift":{"actual_avg":45,"kkv_minimum":15,"unitDescFi":"Lapsenlapsien muistamiset ja lehdet","unitDescEn":"Gifts for grandkids and magazines"},"habits_and_stimulants":{"actual_avg":40,"kkv_minimum":0,"unitDescFi":"Saunajuomat ja nautinnot","unitDescEn":"Sauna drinks and treats"},"mobility_convenience":{"actual_avg":20,"kkv_minimum":0,"unitDescFi":"Asiointitaksit huonolla kelillä","unitDescEn":"Taxis during bad weather"},"digital_subs":{"actual_avg":20,"kkv_minimum":0,"unitDescFi":"Lehtien digipaketit ja tv-kanavat","unitDescEn":"Digital newspapers and TV channels"}}}},"regional_multipliers":{"capital_region":{"id":"capital_region","labelFi":"Pääkaupunkiseutu (Hki, Espoo, Vantaa, Kauniainen)","labelEn":"Helsinki Capital Region","housing_cost_factor":1.42,"eating_out_factor":1.28,"takeaway_factor":1.35,"transport_factor":0.82,"energy_factor":0.92,"noteFi":"Asumiskustannukset ovat Suomen korkeimmat (+42 % keskiarvoon) ja noutoruoan houkutus suuri, mutta laaja joukkoliikenne alentaa autoilupakkoa.","noteEn":"Highest housing costs in Finland (+42%), high delivery presence, offset by comprehensive public transit."},"commuter_belt":{"id":"commuter_belt","labelFi":"Kehyskunnat & kehyskaupungit (Nurmijärvi, Tuusula, Kirkkonummi...)","labelEn":"Commuter Belt & Outer Ring","housing_cost_factor":1.18,"eating_out_factor":0.95,"takeaway_factor":0.88,"transport_factor":1.35,"energy_factor":1.25,"noteFi":"Tyypillinen kahden auton ja pientaloasumisen loukku. Polttoaineet, autolainat ja omakotitalon lämmityskulut haukkaavat ison siivun tuloista.","noteEn":"Two-car dependent suburban living with high heating and vehicle commuting expenses."},"major_cities":{"id":"major_cities","labelFi":"Suuret opiskelijakaupungit (Tampere, Turku, Oulu, Jkl, Kuopio, Lahti)","labelEn":"Major University Cities","housing_cost_factor":1.1,"eating_out_factor":1.05,"takeaway_factor":1.08,"transport_factor":0.98,"energy_factor":1,"noteFi":"Vilkas kahvila- ja lounaskulttuuri. Asuminen vie tuntuvan siivun, mutta puskuria on helppo kerryttää karsimalla satunnaisia vuotoja.","noteEn":"Active cafe and lunch scene. Balanced transit and reasonable living baseline."},"regional_towns":{"id":"regional_towns","labelFi":"Seutukaupungit (Seinäjoki, Mikkeli, Kajaani, Pori, Rauma...)","labelEn":"Regional Towns & Centres","housing_cost_factor":0.86,"eating_out_factor":0.88,"takeaway_factor":0.78,"transport_factor":1.18,"energy_factor":1.1,"noteFi":"Kohtuulliset asumiskulut ja vähän Wolt-lähettikiusauksia, mutta arki vaatii lähes poikkeuksetta vähintään yhden auton.","noteEn":"Affordable housing, fewer takeaway options, vehicle ownership almost mandatory."},"other_finland":{"id":"other_finland","labelFi":"Itä- ja Pohjois-Suomi & maaseutumaiset kunnat","labelEn":"East & North Finland, Rural","housing_cost_factor":0.76,"eating_out_factor":0.8,"takeaway_factor":0.6,"transport_factor":1.4,"energy_factor":1.3,"noteFi":"Asuminen on edullisinta ja ulkona syöminen vähäistä, mutta pitkät välimatkat, autoilu ja kylmän talven lämmityskulut nostavat kiinteitä menoja.","noteEn":"Lowest housing prices, but long distances, high fuel costs and winter heating require a larger share."}},"debt_profiles":{"mortgage_and_loans":{"id":"mortgage_and_loans","labelFi":"Omistusasunto & asuntovelkaa","labelEn":"Homeowner with mortgage","dsti_ratio":0.28,"guidanceFi":"Lainanhoitomenot ja korot sitovat tuloja. 1–2 kuukauden kiinteiden menojen turvapuskuri on kriittinen suoja korkojen ja yllätyksen varalle.","guidanceEn":"Mortgage interest binds monthly cashflow. A 1-2 month emergency buffer is critical for stability."},"tenant":{"id":"tenant","labelFi":"Vuokralla","labelEn":"Renting / Tenant","dsti_ratio":0.33,"guidanceFi":"Vuokra on joustamaton kulu joka kuukausi. 500–1000 euron puskuritonni takaa, ettei vuokran eräpäivä aiheuta unettomia öitä.","guidanceEn":"Rent is an inflexible monthly charge. A 500-1000 € starter buffer prevents end-of-month anxiety."},"debt_free":{"id":"debt_free","labelFi":"Velaton omistusasunto / ei velkaa","labelEn":"Debt-free","dsti_ratio":0,"guidanceFi":"Velattomuus poistaa lainanhoitorasitteen. Vapaata käyttövaraa voidaan ohjata suoraan arjen laatuun tai pitkäaikaiseen vaurastumiseen.","guidanceEn":"Debt freedom eliminates interest drag, freeing cash directly for life quality and compounding wealth."}},"default_unit_prices":{"takeaway_coffee":5,"lunch_diff":9,"fast_food_meal":13.5,"delivery_fee":5,"restaurant_dinner_single":45,"tobacco_pack":10.2,"vape_refill":9.5,"energy_drink":2.5,"beer_wine_weekly":25,"night_out_drink":12,"impulse_basket":25}}