The BMW X5 M50d (2013-2018) is a performance-oriented diesel SUV powered by a remarkable tri-turbo 3.0-liter inline-six producing 381 horsepower and 546 lb-ft of torque. This European-market exclusive combines genuine sports car acceleration (0-60 in 5.3 seconds) with impressive fuel efficiency and towing capacity. Enthusiasts praise its intoxicating engine note, sharp handling for a large SUV, and effortless overtaking power. Critics note the complex engine's potential maintenance costs and limited availability outside Europe. Famous for being one of the most powerful six-cylinder diesels ever produced, it's ideal for drivers seeking luxury, performance, and practicality in one package. Best suited for long-distance touring, towing duties, and enthusiasts who appreciate diesel torque without sacrificing driving dynamics. The M50d represents BMW's diesel performance pinnacle before emissions regulations tightened.
The X5 M50d features a tri-turbo diesel engine rarely sold in North America, making parts and specialist service expensive and difficult to source. Turbocharger replacements are particularly costly ($5,000+). Diesel emissions systems require costly maintenance. Insurance rates are high due to performance SUV classification. Generally reliable mechanically but repair costs significantly exceed standard X5 models.
Affordability Calculator
We have preconfigured our calculator for this vehicle
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