Real Lease Cost

2024 BMW i4 eDrive40 Gran Coupe

A take-over means you take over someone else’s lease. The leasing company must approve you, and may charge a fee.

Ad $816$1,473/mo all-in estimate, ranked at the worse number

Transfer fee about $500 (in the monthly).

Open the original listing (leaves our site)

The receipt

The listed payment$816

  1. Transfer fee (about)+ $83
  2. Tax (about)+ $50
  3. Extra miles+ $0
  4. Insurance (about)+ $215
  5. Charging (about)+ $59
  6. Worse case+ $250

Real Lease Cost™ (everything you pay, each month), counted at the worse case$1,473

Sources and read dates
  • The listed payment the SwapALease listing, read Nov 3.
  • Transfer fee (about) the SwapALease listing, read Nov 3. Where the ad gives no fees, we assume a $500 transfer fee, or the typical money due at signing.
  • Tax (about) State revenue department pages, 50 of 51 states sourced. Read Oct 30.
  • Extra miles the SwapALease listing, read Nov 3. Where the ad gives no per-mile rate, we use $0.25 a mile.
  • Insurance (about) The Zebra model quotes and MoneyGeek 2025 state averages. Quotes read Oct 19, state table read Oct 30.
  • Charging (about) U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Nov 3.
  • Worse case our own checks on this listing, run at every build. The listing was read Nov 3.

about = our guess

See the math

How each part is worked out:

Electric Runs on electricity only. You plug it in.

This adds payment, tax, miles, insurance and charging at 12,000 miles a year at U.S. average prices; the seller's own figures give $1,223. The receipt adds every step, including the worse-number line.

An estimate, not a quote. The payment, fees and tax come from the listing and the state’s rules; insurance and gas or charging are our estimates. Your dealer, insurer and driving set the real figures. How we estimate

Lease ends about May 2027 (6 months left)

Your miles or state are different?

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Listed in VA Take-over SwapALease Electric Unknown Not confirmed

Not confirmed. We could not confirm this deal’s numbers, so we rank it on the higher cost. The miles on the contract look too high to be right.

2024 BMW i4 (photo for reference, not the listed car)
Photo of this model, not this exact car. Credit: Alexander-93, CC BY-SA 4.0, via Wikimedia Commons

Read from SwapALease on Nov 3, 2026. Tax status not recorded, so tax is added here (tax assumed).

Confirm every number with the seller or the leasing company before you commit. The Real Lease Cost leaves out registration, wear and tear, and excess miles beyond your target. See how we score.

Listing facts belong to the source. If this row should be corrected or removed, write to takedown@realleasecost.com.

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What a take-over means

You take over someone’s lease. You pay their last 6 months. The months and the miles are theirs, not new ones.

The leasing company must approve you.

  • Model year: 2024.
  • Miles left on the lease: about 26,100, as the listing states them.
  • Transfer fee: about $500 (the listing does not say). Ask the leasing company (the bank that owns the car), not the seller.

Real Lease Check™

How this price compares

Not enough similar cars today

Not enough similar cars today. We need at least 21 live deals of the same kind to compare, and we have 0.

This check looks at price only. It cannot say whether the car fits you.

The math behind this

There are too few similar cars today for a share.

Facts stated by the source on Nov 3, 2026.

The cheapest live car outside this brand is the 2026 Toyota Corolla with a Real Lease Cost of $531 a month. This car is $942 a month more than that on the number it ranks at.

The full math, line by line

This table is priced at 12,000 miles a year and U.S. average prices.

The math for 2024 BMW i4 eDrive40 Gran Coupe
Monthly payment in the ad$816 plus tax
Months on the lease6
Sticker price$58,295 (indicative MSRP from KBB trim table, read Oct 28, 2026)
Tax rate used6.10% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out$899
Tax, each month$50
Monthly cost after tax$949
Lease cost over all the months, before tax$5,395
Transfer fee, our estimate$500 spread over the months. The source did not state one; confirm with the leasing company.
Cash the seller says they will pay you$0
Money you pay up frontnot stated by the source, counted as $0 until you confirm
Miles a year the lease allows52,242
Extra miles to reach your 12,000 a yearThe lease covers your miles, so extra miles cost nothing.
Insurance, our estimate$215 a month for the U.S. average (range $133 to $297). We use the middle of the range. Source: The Zebra's national average for this model, read Oct 19, 2026. Full coverage, a typical driver with a clean record. Source and date
Electricity, our estimate$59 a month (about 3.1 mi/kWh, middle of the EPA figures for the 2024 i4; EIA U.S. home electricity, August 2026) kWh: a unit of electricity, like a gallon for gas.
Real Lease Cost, each month$1,223 Ranked as $1,473, the worse number: contract miles over 30,000 a year look wrong.
Real Lease Cost, over all the months, our estimate$8,838 counted at the worse number ($7,338 at the seller’s own figures)
Listing statuslive
Source readNov 3, 2026
For the experts: the exact lease terms
Lease terms for experts
When it endsLease ends about May 2027 (6 months left)
MSRP$58,295
Cap reductionnot stated
Effective monthly, before tax$899
Effective monthly, after tax$949
Effective as a share of MSRP, monthly1.63%
Monthly cost vs sticker price1.6% a month (high; a rule of thumb, not part of the ranking)
All-in cost as a share of MSRP12.6%

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2025 BMW iX, a photo of this model, not the listed car

2025 BMW iX xDrive50

Ad $850$678/mo all-inestimate

Take-over, seller cash $9,000

Only one site lists this. Check it before you pay.

See this deal: 2025 BMW iX

Why this price?

Electric

Ad$850

Real$678

Grey is the ad. Violet is what we add. Gold stripes are our estimates. Dashed: cash the seller pays you.

$172 less than the ad, after the seller’s cash

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The seller says they will pay you $9,000, via LeaseTrader. Counted in the price.

You take over someone’s lease. You pay their last 13 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Charging $76/mo: EPA figure for this model at U.S. average home rates.

Assumes you charge at home.

Lease ends Nov 2027 (13 months left)

13 months left, about $8,800 in all. Transfer fee about $500. Seller pays you $9,000.

Everything included: payment, tax, miles, insurance, charging.

The listed payment is $850 a month. The seller says they will pay you $9,000 to take it over, about $692 a month, which brings the real cost down to $678 a month with everything added.

The listed payment$850

  1. Cash the seller says they will pay you, each month- $692
  2. Transfer fee about $500 (the listing does not say), spread over 13 months+ $38
  3. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $52
  4. Miles: you drive 12,000 a year, the lease covers about 7,030 a year (from the miles left and months left)+ $104
  5. Insurance (about) for the U.S. average (range $180 to $320). Type yours.+ $250
  6. Electric: charging at home (about)+ $76

Real Lease Cost, each month$678

LeaseTrader, read Nov 3. Insurance and charging are estimates, not quotes. about = our guess.

Photo of this model, not this exact car. Photo: Alexander Migl, CC BY-SA 4.0

2025 BMW i4, a photo of this model, not the listed car

2025 BMW i4 xDrive40

Ad $338$691/mo all-inestimate

Take-over

Only one site lists this. Check it before you pay.

See this deal: 2025 BMW i4

Why this price?

Electric

Ad$338

Real$691

+$353 we added. Most of it is our estimate.

Why +$353? insurance $215, charging $63, extra miles $39, tax $21, fees $15

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Cheapest of 11 i4 offers nationwide

You take over someone’s lease. You pay their last 34 months.

Transfer fee $500, as the listing states (in the monthly).

Needs the leasing company’s approval.

Charging $63/mo: EPA figure for this model at U.S. average home rates.

Assumes you charge at home.

Lease ends about Sep 2029 (34 months left)

34 months left, about $23,500 in all. Transfer fee $500.

Everything included: payment, tax, miles, insurance, charging.

The listed payment is $338 a month. With everything added, it is $691 a month. Most of the difference is insurance, $215 a month (our estimate for the U.S. average, $133 to $297; type yours).

The listed payment$338

  1. Transfer fee ($500), spread over 34 months+ $15
  2. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $21
  3. Miles: you drive 12,000 a year, the lease covers 10,151+ $39
  4. Insurance (about) for the U.S. average (range $133 to $297). Type yours.+ $215
  5. Electric: charging at home (about)+ $63

Real Lease Cost, each month$691

Leasehackr private transfers, read Nov 3. Insurance and charging are estimates, not quotes. about = our guess.

Photo of this model, not this exact car. Photo: Alexander-93, CC BY-SA 4.0

2025 BMW i5, a photo of this model, not the listed car

2025 BMW i5 xDrive40

Ad $417$805/mo all-inestimate

Take-over

Only one site lists this. Check it before you pay.

See this deal: 2025 BMW i5

Why this price?

Electric

Ad$417

Real$805

+$388 we added. Most of it is our estimate.

Why +$388? insurance $252, charging $65, extra miles $29, tax $26, fees $16

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Cheapest of 3 i5 offers nationwide

You take over someone’s lease. You pay their last 33 months.

Transfer fee $544, as the listing states (in the monthly).

Needs the leasing company’s approval.

Charging $65/mo: EPA figure for this model at U.S. average home rates.

Assumes you charge at home.

Lease ends about Aug 2029 (33 months left)

33 months left, about $26,600 in all. Transfer fee $544.

Everything included: payment, tax, miles, insurance, charging.

The listed payment is $417 a month. With everything added, it is $805 a month. Most of the difference is insurance, $252 a month (our estimate for the U.S. average, $195 to $310; type yours).

The listed payment$417

  1. Transfer fee ($544), spread over 33 months+ $16
  2. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $26
  3. Miles: you drive 12,000 a year, the lease covers 10,626+ $29
  4. Insurance (about) for the U.S. average (range $195 to $310). Type yours.+ $252
  5. Electric: charging at home (about)+ $65

Real Lease Cost, each month$805

Leasehackr private transfers, read Nov 3. Insurance and charging are estimates, not quotes. about = our guess.

Photo of this model from another year, not this exact car. Photo: MrWalkr, CC BY-SA 4.0

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2026 Ford Explorer

Ad $600$1,126/mo all-inestimate

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Only one site lists this. Check it before you pay.

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Why this price?

GasAbout even with similar cars

Ad$600

Real$1,126

+$526 we added. Most of it is our estimate.

Why +$526? gas $203, insurance $188, typical money due at signing $79, tax $37, extra miles $19

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A new lease from the dealer. You sign for 36 months.

Not in the ad: typical $2,851 due at signing used (in the monthly). Ask before you sign.

Gas $203/mo: about 21 mpg (EPA), U.S. average price

Offer ends Nov 10 (in 7 days)

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $600 a month. With everything added, it is $1,126 a month. The biggest piece is our gas estimate, $203 a month.

The listed payment$600

  1. Money due at signing: the ad does not say. We added $79 a month, the typical amount (median of 53 ads that state it in the same price band, read Nov 2 to Nov 3).+ $79
  2. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $37
  3. Miles: you drive 12,000 a year, the lease covers 9,996+ $19
  4. Insurance (about) for the U.S. average (range $150 to $225). Type yours.+ $188
  5. Gas (about)+ $203

Real Lease Cost, each month$1,126

If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).

SwapALease, read Nov 3. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model from another year, not this exact car. Photo: Elise240SX, CC BY-SA 4.0

2026 Volkswagen Tiguan, a photo of this model, not the listed car

2026 Volkswagen Tiguan

Ad $629$1,126/mo all-inestimate

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Only one site lists this. Check it before you pay.

See this deal: 2026 Volkswagen Tiguan

Why this price?

GasAbout even with similar cars

Ad$629

Real$1,126

+$497 we added. Most of it is our estimate.

Why +$497? insurance $202, gas $158, typical money due at signing $79, tax $39, extra miles $19

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A new lease from the dealer. You sign for 36 months.

Not in the ad: typical $2,851 due at signing used (in the monthly). Ask before you sign.

Gas $158/mo: about 27 mpg (EPA), U.S. average price

Offer ends Nov 10 (in 7 days)

Everything included: payment, tax, miles, insurance, gas.

The listed payment is $629 a month. With everything added, it is $1,126 a month. The biggest piece is insurance, $202 a month (our estimate for the U.S. average, $162 to $242; type yours).

The listed payment$629

  1. Money due at signing: the ad does not say. We added $79 a month, the typical amount (median of 53 ads that state it in the same price band, read Nov 2 to Nov 3).+ $79
  2. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $39
  3. Miles: you drive 12,000 a year, the lease covers 9,996+ $19
  4. Insurance (about) for the U.S. average (range $162 to $242). Type yours.+ $202
  5. Gas (about)+ $158

Real Lease Cost, each month$1,126

If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).

SwapALease, read Nov 3. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model from another year, not this exact car. Photo: Antoineets, CC BY-SA 4.0

2024 GMC Hummer, a photo of this model, not the listed car

2024 GMC Hummer EV 3X

Ad $730$1,127/mo all-inestimate

Take-over

Only one site lists this. Check it before you pay.

See this deal: 2024 GMC Hummer

Why this price?

ElectricAbout even with similar cars

Ad$730

Real$1,127

+$397 we added. Most of it is our estimate.

Why +$397? insurance $190, charging $121, tax $44, fees $38, extra miles $4

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You take over someone’s lease. You pay their last 13 months.

Transfer fee about $500 (in the monthly).

Needs the leasing company’s approval.

Charging $121/mo: EPA figure for this model at U.S. average home rates.

Assumes you charge at home.

Lease ends Nov 2027 (13 months left)

13 months left, about $14,700 in all. Transfer fee about $500.

Everything included: payment, tax, miles, insurance, charging.

The listed payment is $730 a month. With everything added, it is $1,127 a month. The biggest piece is insurance, $190 a month (our estimate for the U.S. average, $152 to $228; type yours).

The listed payment$730

  1. Transfer fee about $500 (the listing does not say), spread over 13 months+ $38
  2. Tax (about), because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $44
  3. Miles: you drive 12,000 a year, the lease covers about 11,790 a year (from the miles left and months left)+ $4
  4. Insurance (about) for the U.S. average (range $152 to $228). Type yours.+ $190
  5. Electric: charging at home (about)+ $121

Real Lease Cost, each month$1,127

LeaseTrader, read Nov 3. Insurance and charging are estimates, not quotes. about = our guess.

Photo of this model, not this exact car. Photo: MercurySable99, CC BY-SA 4.0