BMW · Grand Tourer
BMW M8 Lease Calculator
BMW's V8 grand tourer — enormously capable, and consistently outsold by cheaper cars in its own showroom.
Est. lease payment
$2,008
36 mo · 10,000 mi/yr
Due at signing
$17,808
10% down + fees
3-year retention
53%
$68,620 lost
True cost per month
$2,064
All-in, 5-year ownership
Baseline assumptions: 6.48% equivalent APR (0.0027 money factor), 7.25% sales tax, 47% residual. Data snapshot: August 2026. How estimates are built. Adjust everything below.
Build your M8 lease
Pre-filled with BMW M8 figures. Change anything — the dealer's money factor and the bank's residual are the two numbers worth asking for by name.
The vehicle
Start with sticker, then the price you actually negotiated.
Residual value is always calculated from MSRP.
10.0% below MSRP
Term & usage
Longer terms lower the residual; higher mileage lowers it further.
47% of MSRP = $68,620Estimated from a 47% 36-month baseline, adjusted for your term and mileage.
Money & taxes
Money factor is the lease equivalent of an interest rate.
Equivalent to 6.48% APR
Most states tax the monthly payment, which is what this uses.
Cash & fees
Down payment and trade-in reduce the capitalized cost.
A large down payment is not protected if the car is totaled.
Acquisition fee, typically $995–$1,595 on luxury brands.
Registration, doc fee, and title paid in cash.
BMW M8 — estimated
$2,008
per month for 36 months
1.38% of MSRP per month
- Depreciation68%$1,369
- Finance charge25%$504
- Sales tax7%$136
What each monthly payment is made of.
Down payment + upfront fees + first month
Price + financed fees − cash, trade, rebates
47% of MSRP
6.48% equivalent APR
30,000 miles included
Signing cash + all monthly payments
BMW M8 at a glance
- MSRP
- $146,000
- Powertrain
- 4.4L twin-turbo V8
- Horsepower
- 617 hp
- 0–60 mph
- 3.0 sec
- Fuel economy
- 18 mpg
- Class
- Grand Tourer
M8 depreciation curve
Weak demand at the top of BMW's range means heavy discounting new and soft residuals after. Among the worst three-year value curves of any car here.
Projected resale value
From $146,000 MSRP over five years.
Year by year
| Year | Value | Retained |
|---|---|---|
| Year 1 | $105,120 | 72% |
| Year 2 | $89,060 | 61% |
| Year 3 | $77,380 | 53% |
| Year 4 | $68,620 | 47% |
| Year 5 | $61,320 | 42% |
What a M8 costs to run
Estimated annual running costs excluding depreciation, at 5,000 miles per year.
| InsuranceAgreed-value policy, per year | $3,300 |
|---|---|
| MaintenanceScheduled service and wear items, per year | $2,300 |
| FuelAt 5,000 miles per year | $1,083 |
| Registration & fees1.2% of value, varies by state | $1,261 |
| Total per yearBefore depreciation | $7,944 |
Five-year total cost
Everything included, at 5,000 miles per year.
- Depreciation
- $84,680
- Insurance
- $16,500
- Maintenance
- $12,420
- Fuel
- $5,417
- Registration & fees
- $4,818
- Five-year total
- $123,835
That is $2,064 per month, or $4.95 for every mile driven.
BMW M8 — common questions
- How much is it to lease a BMW M8?
- At an MSRP of $146,000, a 36-month lease with 10,000 miles per year, a 0.0027 money factor, and $14,600 down works out to roughly $2,008 per month, with about $17,808 due at signing. Over the full term that is approximately $88,091. Your actual payment depends on the money factor and residual your dealer and leasing bank offer.
- What is the residual value on a BMW M8 lease?
- A typical 36-month, 10,000-mile residual for the BMW M8 is around 47% of MSRP, or about $68,620. Residual percentages are set by the leasing bank rather than the dealer and are not negotiable, though they change with term length and mileage allowance.
- How much does a BMW M8 depreciate?
- The BMW M8 is modeled to retain about 53% of its value after three years and 42% after five, meaning a loss of roughly $68,620 in the first three years. Weak demand at the top of BMW's range means heavy discounting new and soft residuals after. Among the worst three-year value curves of any car here.
- What does it cost to own a BMW M8 per year?
- Including depreciation, insurance, maintenance, fuel, and registration, the BMW M8 is estimated at about $24,767 per year over five years at 5,000 miles annually — roughly $2,064 per month. Depreciation alone accounts for 68% of that.
- How much is insurance on a BMW M8?
- Budget around $3,300 per year for an agreed-value policy on the BMW M8, though quotes vary widely with driving record, garaging location, annual mileage, and the insurer's appetite for the model. Specialty collector policies with mileage limits can cost considerably less.
- Is it better to lease or buy a BMW M8?
- The BMW M8 retains about 53% of its value after three years, which is a meaningful loss to absorb personally. Leasing shifts that risk to the bank and is often the cheaper route over a three-year horizon, particularly if the manufacturer is subsidizing the money factor. Compare both with your own numbers before deciding.
Compare with
Path to own
How long until you can own this?
Carrying a BMW M8 costs about $2,565 a month once finance and running costs are combined — implying roughly $12,824 of net monthly income at 20% of net monthly income, plus $17,808 up front. Enter your own figures to see which of those two is actually your constraint, and when it clears.
Calculate how many years away you are →More M8 math
Take the same figures into the other calculators.