/
M5 Competition (2019-2025)

Can you afford a 2019-2025 BMW 5 Series M5 Competition in 2025?

The 2019-2025 BMW M5 Competition is a super sedan powered by a 4.4L Twin-Turbo V8 making 617 hp and 553 lb-ft of torque. Reviewers praise its voracious speed, excellent grip, and blend of luxury with brutal performance. It is well-suited for enthusiasts seeking a highly capable executive car for both daily driving and occasional track use, known for its powerful twin-turbo engine and standard all-wheel drive. Some critics note a lack of steering feel and its increasing weight. It’s famous for being a powerful, yet practical, performance icon.

Operating expenses for the BMW M5 Competition are high, with annual costs increasing each year. Reliability concerns include turbocharger wear, oil leaks, and cooling system problems, leading to a higher-than-average chance of major repairs. Insurance costs average around $3,310 to $5,100 per year.

Price Range
$68,000 - $105,000
Market price for 2025
Estimated Annual Costs
Insurance:$3,106
Maintenance:$709

Affordability Calculator

We have preconfigured our calculator for this vehicle

Enter Your Information

Calculation Type

Vehicle Details

$

Payment Method

Additional Details

Loan Parameters

$

Cost Adjustments

$

Additional Monthly Costs

$
$
$

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

Built to help you make informed car buying decisions. Always consult with a financial advisor for advice.

This calculator provides estimates only and should not be considered financial advice.

© 2025 Archipelago Labs Inc. All rights reserved.