732i (1979-1986)

Can you afford a 1979-1986 BMW 7 Series 732i in 2025?

# 1979-1986 BMW 732i The BMW 732i served as the entry-level variant of the first-generation 7 Series (E23), BMW's flagship luxury sedan. Powered by a 2.0-liter inline-six producing around 125 hp, it was designed primarily for European markets with displacement-based tax advantages. Period reviews praised its refined handling and build quality but criticized the underpowered engine, which struggled to move the substantial chassis with authority. Enthusiasts view it as a quirky footnote—the "secretary's 7 Series"—offering flagship styling without the performance credentials. The 732i is infamous for being the slowest 7 Series variant, making it largely forgettable in BMW's performance narrative. **Today's Context:** Best suited for budget-conscious classic BMW collectors seeking affordable E23 ownership, or those prioritizing fuel economy over acceleration in vintage luxury sedan ownership.

The BMW 732i (E23 chassis) requires expensive specialized maintenance, including complex fuel injection system repairs and costly electrical troubleshooting. Parts availability is increasingly difficult and expensive as they're discontinued. The inline-six engine is generally reliable if maintained, but suspension bushings, climate control systems, and interior electronics frequently fail. Expect premium repair costs from specialists.

Price Range

$10,000 - $22,000

Market price for 2025

Estimated Annual Costs

Insurance:$600

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