M440i xDrive Coupe (2021-2025)

Can you afford a 2021-2025 BMW 4 Series M440i xDrive Coupe in 2025?

# 2021-2025 BMW M440i xDrive Coupe The M440i xDrive represents BMW's potent step below the full M4, blending performance with daily usability. Powered by a turbocharged 3.0-liter inline-six producing 382 horsepower, it delivers 0-60 mph in roughly 4.3 seconds through standard all-wheel drive and an eight-speed automatic. **Notorious** for its divisive oversized kidney grille, the M440i nonetheless earns praise for its refined powerplant, composed handling, and luxurious interior with advanced technology. Reviewers consistently highlight its balanced road manners—sportier than the 430i, more compliant than the M4. **Ideal for:** Enthusiasts seeking M-car thrills without track-hardened compromises. The xDrive system makes it particularly suitable for year-round driving in varied climates, while the coupe configuration appeals to those prioritizing style and driver engagement over rear-seat space. A compelling choice for premium sport coupe buyers valuing sophistication alongside speed.

The M440i requires premium fuel and synthetic oil changes every 10,000 miles. Common issues include coolant leaks and electronic malfunctions. Insurance runs high due to performance classification. The B58 engine is generally reliable, but BMW maintenance costs significantly exceed non-luxury brands. Extended warranty recommended given complex electronics and turbocharger.

Price Range

$50,000 - $60,000

Market price for 2025

Estimated Annual Costs

Insurance:$2,400

Maintenance:$2,800

Affordability Calculator

We have preconfigured our calculator for this vehicle

Enter Your Information

Calculation Type

Vehicle Details

Year

The model year of the vehicle you're considering purchasing.

Make

The manufacturer or brand of the vehicle (e.g., Toyota, Ford, BMW).

Model

The specific model name of the vehicle (e.g., Camry, F-150, X3).

Trim

The trim level or package (e.g., Base, Sport, Limited). Optional but helps with accuracy.

Vehicle Price*

The total purchase price of the vehicle before taxes, fees, and trade-in value.

Payment Method

Additional Details

Loan Parameters

Loan Term (months)

The length of your auto loan in months. Common terms are 36, 48, 60, or 72 months.

Interest Rate (%)

The annual percentage rate (APR) for your auto loan. Check with lenders for current rates.

Down Payment

The amount you'll pay upfront toward the vehicle purchase, reducing the loan amount.

Cost Adjustments

Trade-in Value

The estimated value of your current vehicle if trading it in toward the purchase.

Sales Tax (%)

The sales tax rate percentage charged on vehicle purchases in your location.

Additional Monthly Costs

Insurance

Your estimated monthly auto insurance premium. Get quotes for accurate estimates.

Maintenance

Average monthly cost for maintenance, repairs, and upkeep of the vehicle.

Other Debt Pmts

Your total monthly payments for other debts (credit cards, student loans, etc.).

Why Use This Calculator?

Unlike calculators from banks or dealerships that may encourage overspending, our tool provides neutral, conservative estimates based on proven financial principles. Whether you're financing or paying cash, we help you understand what you can truly afford.

For Loan Financing:

•Safe Range: Follows the , ensuring you can comfortably afford your car payment
•Stretch Range: A moderate approach that balances affordability with your goals
•Lender Max: What banks typically approve, but may strain your budget

For Cash Purchases:

•Conservative: Uses 5% of net worth, maintaining strong financial reserves
•Safe: Uses , following the recommended guideline
•Stretch: Uses 15% of net worth, for when you want to prioritize the car