Real Lease Cost™ (everything you pay, each month): $1,702 a month, estimate (payment, tax, miles, insurance and gas, added up) at 12,000 miles a year at U.S. average prices. The listed payment is $1,145. 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
Listed in NJ New leaseCollection at the dealer; shipping is sometimes possible at extra cost, so ask themRead by handgas Unknown Only one site lists this. Not confirmed.
Only one site lists this, so check it before you pay.
No photo for this model
Read by hand on 2026-10-31.
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.
The listed paymentSource: The listing itself, from 15 public sites. Newest read Oct 31.$1,145
Tax, our estimate, because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)Source: State revenue department pages, 50 of 51 states sourced. Read Oct 30.+ $70
Miles: you drive 12,000 a year, the lease covers 9,996You drive 2,004 miles a year more than the lease allows. We price buying them up front: 1 step of 2,500 miles at $19 a month each (our estimate). That is $19 a month.Source: The ad's miles and per-mile rate; $0.25 a mile when the ad gives none. Read with the ad, Oct 31.+ $19
Insurance, our estimate for the U.S. average: $175 (range $126 to $224). Your own quote may differ. Type yours.No quotes for this exact model, so we use AAA’s 2026 full-coverage average for a car (all powertrains) ($2,098 a year, five top-selling models, a driver under 65 with 6+ years and no accidents) → × 1.00 (U.S. average) = $175 a month. Range $126 to $224. Full coverage, a typical driver with a clean record.Source: AAA Your Driving Costs 2026 full-coverage class average and MoneyGeek 2025 state averages. Class average read Oct 31, state table read Oct 30.+ $175
Gas, our estimate12,000 mi a year÷about 18 mpg(middle of the EPA figures for the 2026 M4 Competition)=666.7 gallons×$5.275 a gallon(EIA U.S. average premium, week of Oct 26)=$3,517 a year=$293 a monthcity 16 to highway 23Source: U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Oct 31.+ $293
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.
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Facts stated by the source on 2026-10-31.
The cheapest live car outside this brand is the 2026 Toyota Corolla with a Real Lease Cost of $531 a month. This car is $1,171 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 M4 Competition
Monthly payment in the ad
$1,145 plus tax
Months on the lease
36
Sticker price
$92,000 (as stated by the source)
Tax rate used
6.10% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out
$1,145
Tax, each month
$70
Monthly cost after tax
$1,215
Lease cost over all the months, before tax
$41,220
Transfer fee
none stated by the source
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
9,996
Extra miles to reach your 12,000 a year
You drive 2,004 miles a year more than the lease allows. We price buying them up front: 1 step of 2,500 miles at $19 a month each (our estimate). That is $19 a month. If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
Insurance, our estimate
$175 a month for the U.S. average (range $126 to $224). We use the middle of the range. Source: AAA Your Driving Costs 2026, full-coverage class average, read 2026-10-31. Full coverage, a typical driver with a clean record. Source and date
Gas, our estimate
$293 a month (about 18 mpg, middle of the EPA figures for the 2026 M4 Competition; EIA U.S. average premium, week of Oct 26)
Real Lease Cost, each month
$1,702
Real Lease Cost, over all the months, our estimate
$61,272
Listing status
live
Source read
2026-10-31
For the experts: the exact lease terms
Lease terms for experts
When it ends
Offer ends Nov 7 (in 7 days)
MSRP
$92,000
Cap reduction
not stated
Effective monthly, before tax
$1,145
Effective monthly, after tax
$1,215
Effective as a share of MSRP, monthly
1.32%
Monthly cost vs sticker price
1.3% a month (common; a rule of thumb, not part of the ranking)
All-in cost as a share of MSRP
66.6%
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Photo of this model, not this exact car.
2025 BMW iX xDrive50Offer 1 of 16 on this model
Real Lease Cost:$678a month, estimate
Take-overElectricOne of the lowest costs for this kind of car
You take over someone’s lease. You pay their last 13 months.
Needs the leasing company’s approval.
Lease ends Nov 2027 (13 months left)
13 months left, about $8,800 in all. Transfer fee $500 (assumed). Seller pays you $9,000.
Only one site lists this. Not confirmed.
Charging $76/mo: EPA figure for this model at U.S. average home rates.
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 we assumed ($500), spread over 13 months+ $38
Tax, our estimate, 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 7,030+ $104
Insurance, our estimate for the U.S. average (range $180 to $320). Type yours.+ $250
Electric: charging at home, our estimate+ $76
Real Lease Cost, each month$678
LeaseTrader, read Oct 31. Insurance and charging are estimates, not quotes.
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, our estimate, 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, our estimate for the U.S. average (range $133 to $297). Type yours.+ $215
Electric: charging at home, our estimate+ $63
Real Lease Cost, each month$691
Leasehackr private transfers, read Oct 30. Insurance and charging are estimates, not quotes.
The listed payment is $389 a month. With everything added, it is $834 a month. The biggest piece is insurance, $195 a month (our estimate for the U.S. average, $150 to $240; type yours).
The listed payment$389
Tax, our estimate, because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $24
Miles: you drive 12,000 a year, the lease covers 9,228+ $38
Insurance, our estimate for the U.S. average (range $150 to $240). Type yours.+ $195
Gas, our estimate+ $188
Real Lease Cost, each month$834
If you pay the ad’s end-of-lease rate instead: +$20 a month ($0.25 a mile, as the ad states).
SwapALease, read Oct 30. Insurance and gas are estimates, not quotes.
Other cars near $1,702 a month
2026 Mercedes-Benz GLS Class
A drawing of this kind of car, not a photo of it.
2026 Mercedes-Benz GLS Class Offer 3 of 7 on this model
Real Lease Cost:$1,603a month, estimate
New leaseGas
A new lease from the dealer. You sign for 36 months. Money due at signing: the ad does not say. We counted $0. Ask before you sign.
Offer ends Nov 6 (in 6 days)
Only one site lists this. Not confirmed.
Gas $330/mo: about 16 mpg (EPA), U.S. average price
Ad$999
Real$1,603
+$604 we added, most of it estimate
Why +$604? gas $330, insurance $175, tax $61, extra miles $38
The listed payment is $2,028 a month. The seller says they will pay you $20,000 to take it over, about $833 a month, which brings the real cost down to $1,604 a month with everything added.
The listed payment$2,028
Cash the seller says they will pay you, each month- $833
Transfer fee ($900), spread over 24 months+ $38
Tax, our estimate, because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $123
Miles: you drive 12,000 a year, the lease covers 12,411+ $0
Insurance, our estimate for the U.S. average (range $126 to $224). Type yours.+ $175
Electric: charging at home, our estimate+ $73
Real Lease Cost, each month$1,604
Leasehackr private transfers, read Oct 30. Insurance and charging are estimates, not quotes.
