BMW 4 Series Ownership Cost Calculator 2026
Pre-filled with real BMW 4 Series specs. Estimate your BMW 4 Series 5-year cost of ownership — depreciation, fuel, insurance, maintenance, loan, and residual value — then compare against same-class rivals side by side.
Year-by-Year Cost Breakdown — BMW 4 Series
| Year | Start Value | Depreciation | Fuel | Insurance | Maint. | Reg | Loan Pmt | Yr Out-of-Pkt | Cumulative | End Value |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $52,000 | −$9,360 | $1,680 | $3,000 | $1,300 | $150 | $10,594 | $16,724 | $27,124 | $42,640 |
| 2 | $42,640 | −$6,240 | $1,680 | $3,000 | $1,300 | $150 | $10,594 | $16,724 | $43,848 | $36,400 |
| 3 | $36,400 | −$5,720 | $1,680 | $3,000 | $1,300 | $150 | $10,594 | $16,724 | $60,572 | $30,680 |
| 4 | $30,680 | −$4,680 | $1,680 | $3,000 | $1,300 | $150 | $10,594 | $16,724 | $77,296 | $26,000 |
| 5 | $26,000 | −$3,640 | $1,680 | $3,000 | $1,300 | $150 | $10,594 | $16,724 | $94,021 | $22,360 |
| 5-yr total | — | −$29,640 | $8,400 | $15,000 | $6,500 | $750 | $52,971 | $94,021 | — | $22,360 |
Combined 29 MPG (EPA). Depreciation uses a luxury segment-average retention curve (editable). Figures are estimates for planning, not a quote.
BMW 4 Series — Base Parameters
Powertrain
- Engine2.0L Turbo I4 (B48)
- DrivetrainRWD
- Fuelgas
- Market years2021-2024
EPA Efficiency
- City26 MPG
- Highway34 MPG
- Combined29 MPG
- Source year2021
Trims & MSRP
- Base (entry trim)$46,000
- Popular (mid trim)$52,000
- Top (fully loaded)$58,000
Same-Segment Cost Comparison
Every model below is modeled with identical assumptions (Popular trim, 20% down, 5-year loan at the national average new-car APR, 12,000 miles/year, national average tax & insurance). This apples-to-apples view is exclusive to VehCalc — manufacturer sites and KBB do not show it side by side.
| Model | Popular MSRP | 5-Yr Cost to Own | Avg / Year | Residual (5 yr) | Cost / Mile |
|---|---|---|---|---|---|
| BMW 4 Series (this car) | $52,000 | $71,661 | $14,332 | $22,360 | $1.19 |
| Infiniti QX55 | $52,000 | $73,005 | $14,601 | $22,360 | $1.22 |
| Lexus RX | $52,500 | $74,246 | $14,849 | $22,575 | $1.24 |
| Cadillac XT5 | $51,000 | $73,063 | $14,613 | $21,930 | $1.22 |
| Mercedes-Benz C-Class Hybrid | $51,000 | $71,494 | $14,299 | $21,930 | $1.19 |
BMW 4 Series — Common Ownership Questions
What is the BMW 4 Series 5-year cost of ownership in 2026?
Based on a Popular-trim purchase at $52,000 with a 20% down payment, a 5-year loan at the national average new-car APR, 12,000 miles per year, and national average tax and insurance, the estimated 5-year cost of ownership is $71,661 — about $14,332 per year — with an estimated $22,360 residual value after 5 years. Use the calculator above to tailor it to your state, down payment, and mileage.
How much does a BMW 4 Series depreciate each year?
The 4 Series sits in the luxury segment. Applying a segment-average retention curve, it is estimated to keep roughly 82% of its value after the first year and 43% after five years. Depreciation is typically the single largest ownership cost, which is why our calculator shows it year by year alongside every other expense.
What is the BMW 4 Series MSRP and which trims are available?
The 4 Series ranges from $46,000 (Base (entry trim)) to $58,000 (Top (fully loaded)). Trims shown: Base (entry trim) ($46,000); Popular (mid trim) ($52,000); Top (fully loaded) ($58,000). Select a trim in the calculator to recompute costs instantly.
What are the BMW 4 Series real-world fuel costs?
EPA combined rating is 29 MPG (city 26 / highway 34). At the 2026 national average of $4.06/gal and 12,000 miles per year, fuel runs about $1,680 per year, or $8,400 over 5 years.
Does the BMW 4 Series qualify for any tax credits?
The 4 Series is a gas vehicle, so federal EV credits do not apply. State-level incentives, if any, are listed on each state's page — select your state in the calculator to see local tax and fee impact.
How do BMW 4 Series ownership costs compare with rivals?
See the side-by-side comparison table on this page. We model the 4 Series against Infiniti QX55, Lexus RX, Cadillac XT5, Mercedes-Benz C-Class Hybrid using identical assumptions — same annual miles, down payment, and loan terms — so the difference is truly apples-to-apples. That is data the manufacturer's site and KBB do not show side by side.