M4 Competition Convertible (2021-2025)

Can you afford a 2021-2025 BMW 4 Series M4 Competition Convertible in 2025?

# 2021-2025 BMW M4 Competition Convertible The M4 Competition Convertible is BMW's high-performance open-top sports car, powered by a twin-turbo 3.0-liter inline-six producing 503 horsepower. With its retractable soft-top and aggressive styling, it delivers supercar-level performance with everyday usability. **Reviews & Reception:** Enthusiasts praise its explosive acceleration (0-60 in 3.6 seconds) and razor-sharp handling, though the divisive oversized kidney grille remains controversial. Reviewers applaud the refined power delivery and surprisingly rigid chassis despite losing the roof. **Famous For:** That polarizing grille design and being the drop-top variant of BMW's iconic M car lineage. **Best Suited For:** Affluent driving enthusiasts seeking an exhilarating weekend cruiser with top-down thrills and daily-driver practicality. Ideal for spirited backroad carving, track days, and sunny commutes where performance meets open-air luxury. The automatic transmission makes it accessible for various skill levels.

The 2021-2025 BMW M4 Competition Convertible requires premium fuel and expensive synthetic oil changes. High-performance tires wear quickly and cost $1,500+ per set. Complex twin-turbo S58 engine and convertible top mechanisms can be costly to repair. Insurance rates are significantly elevated due to high-performance classification. Generally reliable but out-of-warranty repairs are expensive.

Price Range

$83,000 - $98,000

Market price for 2025

Estimated Annual Costs

Insurance:$2,800

Maintenance:$3,500

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