840d xDrive Gran Coupe (2019-2025)

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

The 2019-2025 BMW 840d xDrive Gran Coupe is a four-door luxury GT blending elegant styling with diesel performance. Powered by a 3.0-liter inline-six turbodiesel producing 335 horsepower, it delivers impressive fuel economy alongside spirited acceleration. The xDrive all-wheel-drive system ensures confident handling in varied conditions. Reviewers praise its refined cabin, cutting-edge technology, and comfortable long-distance cruising capability, though some criticize its weight and slightly muted driving dynamics compared to sportier 8 Series variants. It's famous for offering diesel efficiency in a premium coupe package—a rarity in modern luxury segments. This Gran Coupe suits executives and enthusiasts seeking a sophisticated daily driver with impressive range, ideal for highway commuting and continental touring. However, diesel availability varies by market, limiting its appeal in regions phasing out compression-ignition engines.

The BMW 840d xDrive Gran Coupe features expensive maintenance including complex diesel emissions systems (DPF, AdBlue) requiring costly service. Luxury-segment insurance rates apply. Air suspension and advanced electronics can be pricey to repair. However, the B57 diesel engine is generally reliable. Expect premium fuel, tires, and brake costs typical of high-performance luxury vehicles.

Price Range

$46,000 - $76,000

Market price for 2025

Estimated Annual Costs

Insurance:$1,800

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