Mark Hughes' side took an early lead in the game at the Millenium Stadium through Simon Davies but Blues loan signing from Chelsea levelled matters for the Finns with just ten minutes remaining - heading home a Kolkka cross from ten yards out.
Group Nine finished with Wales in second spot and they now face a November play-off for a place in the finals in Portugal.
Meanwhile Matty Upson earned his fifth England cap, playing from the start of Englands 2-0 victory over Lichtenstein at Old Trafford.