Real Lease Cost

2027 BMW X1 xDrive28i

Ad $459$1,033/mo all-in estimate

$4,586 due at signing, besides the first payment (in the monthly).

Open the original listing (leaves our site)

It opens the seller’s own calculator on Leasehackr.

The receipt

The listed payment$459

  1. Fees at signing+ $118
  2. Tax+ $32
  3. Extra miles+ $38
  4. Insurance (about)+ $202
  5. Gas (about)+ $184

Real Lease Cost™ (everything you pay), each month$1,033

Sources and read dates
  • The listed payment the Leasehackr pre-negotiated board listing, read Nov 5.
  • Fees at signing the Leasehackr pre-negotiated board listing, read Nov 5. Where the ad gives no fees, we assume a $500 transfer fee, or the typical money due at signing.
  • Tax State revenue department pages, 50 of 51 states sourced. Read Oct 30.
  • Extra miles the Leasehackr pre-negotiated board listing, read Nov 5. 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.
  • Gas (about) U.S. Energy Information Administration (gas, week of Nov 2; electricity, August 2026). Read Nov 5.

about = our guess

See the math

How each part is worked out:

Gas Runs on gas only.

This adds payment, tax, miles, insurance and gas 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

Offer ends Nov 27

Your miles or state are different?

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Answer the three questions on the home page

Listed in New Jersey New lease dealer: Ships to other states Leasehackr pre-negotiated board Gas SUV Seller’s own numbers

These are the numbers the seller states. We did not confirm them with the seller or the leasing company.

2027 BMW X1 (photo for reference, not the listed car)
Photo of this model from another year, not this exact car. Credit: Alexander Migl, CC BY-SA 4.0, via Wikimedia Commons

Board deal. Total due at signing: $5,045 (first payment $459 plus fees $4,586). No extra down payment.

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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Incentives

  • We did not read any incentive for this offer. That does not mean there is none. Ask the dealer about lease cash, loyalty, military and college graduate offers.

Rule: an incentive counts only when its source says it comes on top of the advertised payment, so nothing is taken off twice. Offers for a group count only when you say you are in it.

Real Lease Check™

How this price compares

Costs less than most similar cars

At 12,000 miles a year and U.S. average costs, 454 of the other 522 similar luxury SUVs we price today cost more than this one.

vs 522 luxury SUV deals today, at 12,000 miles and U.S. average costs

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

The math behind this

About 87 of every 100 similar luxury SUVs we price today cost more than this one. Pool: the live ranked luxury SUV deals we read, luxury makes with luxury makes only, each priced at the same miles and costs. A car that is not confirmed counts at its worse number.

Facts stated by the source on Nov 5, 2026.

The cheapest live car outside this brand is the 2026 Toyota Tundra with a Real Lease Cost of $500 a month. This car is $533 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 2027 BMW X1 xDrive28i
Monthly payment in the ad$459 plus tax
Months on the lease39
Total due at signing$5,045 (first payment $459 plus fees $4,586). We count all of it.
That $4,586, spread over 39 months$118 a month
Sticker price$47,000 (as stated by the source)
Tax rate used7.03% (as the source states). Basis: pre-tax, matches the calculator's pre-tax payment
Monthly cost before tax, money due at signing spread out$577
Tax, each month$32
Monthly cost after tax$609
Lease cost over all the months, before tax$22,487
Transfer feenone stated by the source
Cash the seller says they will pay you$0
Miles a year the lease allows7,500
Extra miles to reach your 12,000 a yearYou drive 4,500 miles a year more than the lease allows. We price buying them up front: 2 steps of 2,500 miles at $19 a month each (our estimate). That is $38 a month. If you pay the ad’s end-of-lease rate instead: +$56 a month ($0.25 a mile, as the ad states).
Insurance, our estimate$202 a month for the U.S. average (range $165 to $240). 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
Gas, our estimate$184 a month (EPA combined 28 mpg, 2027 X1 xDrive28i; EIA U.S. average premium, week of Nov 2)
Real Lease Cost, each month$1,033
Real Lease Cost, over all the months, our estimate$40,287
Listing statuslive
Source readNov 5, 2026
For the experts: the exact lease terms
Lease terms for experts
When it endsOffer ends Nov 27
MSRP$47,000
Cap reductioninside the money due at signing, not split out
Effective monthly, before tax$577
Effective monthly, after tax$609
Effective as a share of MSRP, monthly1.3%
Monthly cost vs sticker price1.3% a month (common; a rule of thumb, not part of the ranking)
All-in cost as a share of MSRP85.7%

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More deals like this (6 cars)

More BMW deals

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

2025 BMW iX xDrive50

Ad $850$673/mo all-inestimate

Take-over, seller cash $8,250

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

See this deal: 2025 BMW iX

Why this price?

Electric

Ad$850

Real$673

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

$177 less than the ad, after the seller’s cash

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Cheapest of 16 iX offers nationwide

The seller says they will pay you $8,250, via LeaseTrader. Counted in the price.

You take over someone’s lease. You pay their last 12 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 (12 months left)

12 months left, about $8,100 in all. Transfer fee about $500. Seller pays you $8,250.

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

The listed payment is $850 a month. The seller says they will pay you $8,250 to take it over, about $688 a month, which brings the real cost down to $673 a month with everything added.

The listed payment$850

  1. Cash the seller says they will pay you, each month- $688
  2. Transfer fee about $500 (the listing does not say), spread over 12 months+ $42
  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 7,616 a year (from the miles left and months left)+ $91
  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$673

LeaseTrader, read Nov 5. 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 13 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 5. 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 5. 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 $1,033 a month

2026 Toyota Tacoma, a photo of this model, not the listed car

2026 Toyota Tacoma i-FORCE MAX TRD Sport

Ad $439$933/mo all-inestimate

New lease

See this deal: 2026 Toyota Tacoma

Why this price?

GasCosts less than most similar cars

Ad$439

Real$933

+$494 we added. Most of it is our estimate.

Why +$494? gas $198, insurance $178, fees $91, tax $27

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17th cheapest of 21 Tacoma offers nationwide

A new lease from the dealer. You sign for 39 months.

$3,560 due at signing, besides the first payment (in the monthly).

From the carmaker’s own offers page

Gas $198/mo: about 21 mpg (EPA), U.S. average price

Offer ends Nov 30

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

The listed payment is $439 a month. With everything added, it is $933 a month. The biggest piece is our gas estimate, $198 a month.

The listed payment$439

  1. Fees due when you sign ($3,560), spread over 39 months+ $91
  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.)+ $27
  3. Miles: you drive 12,000 a year, the lease covers 12,000+ $0
  4. Insurance (about) for the U.S. average (range $140 to $215). Type yours.+ $178
  5. Gas (about)+ $198

Real Lease Cost, each month$933

Toyota offers page, read Nov 5. Insurance and gas are estimates, not quotes. about = our guess.

Photo of this model from another year, not this exact car. Photo: Mr.choppers, CC BY-SA 3.0

2027 Mercedes-Benz CLA

2027 Mercedes-Benz CLA

Ad $409$933/mo all-inestimate

New lease

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

See this deal: 2027 Mercedes-Benz CLA

Why this price?

Hybrid or electric: the ad does not say

Ad$409

Real$933

+$524 we added. Most of it is our estimate.

Why +$524? insurance $175, gas $156, typical money due at signing $130, extra miles $38, tax $25

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3rd cheapest of 4 CLA offers nationwide

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

Not in the ad: typical $3,116 due at signing used (in the monthly). Ask before you sign.

Fuel $156/mo. We used the highest running cost because the ad does not say which kind it is.

Offer ends Nov 12 (in 7 days)

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

The listed payment is $409 a month. With everything added, it is $933 a month. The biggest piece is insurance, $175 a month (our estimate for the U.S. average, $126 to $224; type yours).

The listed payment$409

  1. Money due at signing: the ad does not say. We added $130 a month, the typical amount (median of 116 ads that state it in the same price band, read Nov 3 to Nov 5).+ $130
  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.)+ $25
  3. Miles: you drive 12,000 a year, the lease covers 7,500+ $38
  4. Insurance (about) for the U.S. average (range $126 to $224). Type yours.+ $175
  5. Hybrid or electric (the ad does not say): counted at the dearest (about)+ $156

Real Lease Cost, each month$933

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 5. Insurance and gas are estimates, not quotes. about = our guess.

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

2026 Toyota Tundra, a photo of this model, not the listed car

2026 Toyota Tundra SR5

Ad $429$933/mo all-inestimate

New lease

See this deal: 2026 Toyota Tundra

Why this price?

GasCosts less than most similar cars

Ad$429

Real$933

+$504 we added. Most of it is our estimate.

Why +$504? gas $208, insurance $178, fees $92, tax $26

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3rd cheapest of 8 Tundra offers nationwide

A new lease from the dealer. You sign for 39 months.

$3,570 due at signing, besides the first payment (in the monthly).

From the carmaker’s own offers page

Gas $208/mo: about 20 mpg (EPA), U.S. average price

Offer ends Nov 30

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

The listed payment is $429 a month. With everything added, it is $933 a month. The biggest piece is our gas estimate, $208 a month.

The listed payment$429

  1. Fees due when you sign ($3,570), spread over 39 months+ $92
  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 12,000+ $0
  4. Insurance (about) for the U.S. average (range $142 to $214). Type yours.+ $178
  5. Gas (about)+ $208

Real Lease Cost, each month$933

Toyota offers page, read Nov 5. Insurance and gas are estimates, not quotes. about = our guess.

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