840i xDrive Coupe (2019-2025)

Can you afford a 2019-2025 BMW 8 Series 840i xDrive Coupe in 2025?

# 2019-2025 BMW 840i xDrive Coupe The 840i xDrive represents BMW's accessible entry into the resurrected 8 Series lineup, pairing a turbocharged 3.0-liter inline-six (335 hp) with all-wheel drive. This grand tourer emphasizes luxury cruising over outright performance, featuring a sleek, low-slung design and a tech-laden cabin. **Critical Reception:** Reviewers praise its refined powerplant, composed handling, and upscale interior, though some criticize its hefty 4,400-lb curb weight and less engaging dynamics compared to sportier BMWs. The infotainment system earns mixed reviews for complexity. **Best For:** Affluent buyers seeking a stylish, comfortable long-distance cruiser with legitimate rear seats (though tight). It's ideal for highway travel and making impressions, less so for canyon carving. **Notable:** Often overshadowed by the more powerful M850i, the 840i offers similar aesthetics at lower cost but has faced criticism for not feeling special enough to justify its $85,000+ starting price.

The 2019-2025 BMW 840i features a complex twin-turbo V8 requiring premium fuel and expensive synthetic oil changes. Expect high costs for run-flat tires, carbon-ceramic brake options, and advanced driver-assistance system repairs. Insurance premiums run above-average due to high replacement costs. Generally reliable mechanically, but electronic glitches occasionally occur. Depreciation is steep initially.

Price Range

$42,000 - $72,000

Market price for 2025

Estimated Annual Costs

Insurance:$2,400

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