2026 BMW i5 xDrive40

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

Ad $1,525$1,956/mo all-in estimate

Transfer fee about $500 (in the monthly).

Open the original listing (leaves our site)

The receipt

The listed payment$1,525

Transfer fee (about)+ $20
Tax (about)+ $94
Extra miles+ $0
Insurance (about)+ $252
Charging (about)+ $65

Real Lease Cost™ (everything you pay), each month$1,956

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.

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 receipt adds every cost.

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 Dec 2028 (25 months left)

Your miles or state are different?

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Listed in CA Take-over SwapALease Electric Unknown Only one site lists this. Not confirmed.

Only one site lists this, so check it before you pay.

2026 BMW i5 (photo for reference, not the listed car) — Photo of this model from another year, not this exact car. Credit: MrWalkr, 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 25 months. The months and the miles are theirs, not new ones.

The leasing company must approve you.

Model year: 2026.
Miles left on the lease: about 27,900, 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 $1,425 a month more than that.

The full math, line by line

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

The math for 2026 BMW i5 xDrive40
Monthly payment in the ad	$1,525 plus tax
Months on the lease	25
Sticker price	not in the listing
Tax rate used	6.10% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out	$1,545
Tax, each month	$94
Monthly cost after tax	$1,639
Lease cost over all the months, before tax	$38,636
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 front	not stated by the source, counted as $0 until you confirm
Miles a year the lease allows	13,402
Extra miles to reach your 12,000 a year	The lease covers your miles, so extra miles cost nothing.
Insurance, our estimate	$252 a month for the U.S. average (range $195 to $310). 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	$65 a month (about 2.8 mi/kWh, middle of the EPA figures for the 2026 i5; EIA U.S. home electricity, August 2026) kWh: a unit of electricity, like a gallon for gas.
Real Lease Cost, each month	$1,956
Real Lease Cost, over all the months, our estimate	$48,900
Listing status	live
Source read	Nov 3, 2026

For the experts: the exact lease terms

Lease terms for experts
When it ends	Lease ends about Dec 2028 (25 months left)
MSRP	not in the listing
Cap reduction	not stated
Effective monthly, before tax	$1,545
Effective monthly, after tax	$1,639

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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

Cheapest of 16 iX offers nationwide

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

Cash the seller says they will pay you, each month- $692
Transfer fee about $500 (the listing does not say), spread over 13 months+ $38
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
Miles: you drive 12,000 a year, the lease covers about 7,030 a year (from the miles left and months left)+ $104
Insurance (about) for the U.S. average (range $180 to $320). Type yours.+ $250
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

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

Transfer fee ($500), spread over 34 months+ $15
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
Miles: you drive 12,000 a year, the lease covers 10,151+ $39
Insurance (about) for the U.S. average (range $133 to $297). Type yours.+ $215
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

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

Transfer fee ($544), spread over 33 months+ $16
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
Miles: you drive 12,000 a year, the lease covers 10,626+ $29
Insurance (about) for the U.S. average (range $195 to $310). Type yours.+ $252
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

Other cars near $1,956 a month

2026 Mercedes-Benz GLE Class Coupe

Ad $1,187$1,860/mo all-inestimate

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

See this deal: 2026 Mercedes-Benz GLE Class Coupe

Why this price?

Gas

Ad$1,187

Real$1,860

+$673 we added. Most of it is our estimate.

Why +$673? gas $251, insurance $250, typical money due at signing $80, tax $73, extra miles $19

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

Not in the ad: typical $2,895 due at signing used (in the monthly). Ask before you sign.

Gas $251/mo: 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 $1,187 a month. With everything added, it is $1,860 a month. The biggest piece is our gas estimate, $251 a month.

The listed payment$1,187

Money due at signing: the ad does not say. We added $80 a month, the typical amount (median of 259 ads that state it, read Nov 2 to Nov 3).+ $80
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.)+ $73
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance (about) for the U.S. average (range $200 to $300). Type yours.+ $250
Gas (about)+ $251

Real Lease Cost, each month$1,860

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.

A drawing of this kind of car, not a photo of it.

2026 Mercedes-Benz GLE Class Coupe

Ad $1,187$1,860/mo all-inestimate

New lease

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

See this deal: 2026 Mercedes-Benz GLE Class Coupe

Why this price?

Gas

Ad$1,187

Real$1,860

+$673 we added. Most of it is our estimate.

Why +$673? gas $251, insurance $250, typical money due at signing $80, tax $73, extra miles $19

4th cheapest of 5 GLE Class Coupe offers nationwide

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

Not in the ad: typical $2,895 due at signing used (in the monthly). Ask before you sign.

Gas $251/mo: 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 $1,187 a month. With everything added, it is $1,860 a month. The biggest piece is our gas estimate, $251 a month.

The listed payment$1,187

Money due at signing: the ad does not say. We added $80 a month, the typical amount (median of 259 ads that state it, read Nov 2 to Nov 3).+ $80
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.)+ $73
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance (about) for the U.S. average (range $200 to $300). Type yours.+ $250
Gas (about)+ $251

Real Lease Cost, each month$1,860

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.

A drawing of this kind of car, not a photo of it.

2026 Mercedes-Benz GLS

Ad $1,149$1,867/mo all-inestimate

New lease

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

See this deal: 2026 Mercedes-Benz GLS

Why this price?

GasCosts more than most similar cars

Ad$1,149

Real$1,867

+$718 we added. Most of it is our estimate.

Why +$718? gas $330, insurance $182, fees $98, tax $70, extra miles $38

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A new lease from the dealer. You sign for 24 months.

$2,351 due at signing, besides the first payment (in the monthly).

Gas $330/mo: about 16 mpg (EPA), U.S. average price

Offer ends Nov 9 (in 6 days)

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

The listed payment is $1,149 a month. With everything added, it is $1,867 a month. The biggest piece is our gas estimate, $330 a month.

The listed payment$1,149

Fees due when you sign ($2,351), spread over 24 months+ $98
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.)+ $70
Miles: you drive 12,000 a year, the lease covers 7,500+ $38
Insurance (about) for the U.S. average (range $146 to $218). Type yours.+ $182
Gas (about)+ $330

Real Lease Cost, each month$1,867

If you pay the ad’s end-of-lease rate instead: +$56 a month ($0.25 a mile, as the ad states).

Leasehackr Marketplace (broker offers), read Nov 2. Insurance and gas are estimates, not quotes. about = our guess.

A drawing of this kind of car, not a photo of it.

2026 BMW i5 xDrive40

What a take-over means

How this price compares

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