BMW · Electric
BMW i7 Lease Calculator
An electric 7 Series with a 31-inch rear theater screen, and the fastest-depreciating car on this site.
Est. lease payment
$1,812
36 mo · 10,000 mi/yr
Due at signing
$15,812
10% down + fees
3-year retention
43%
$72,960 lost
True cost per month
$1,921
All-in, 5-year ownership
Baseline assumptions: 6.48% equivalent APR (0.0027 money factor), 7.25% sales tax, 42% residual. Data snapshot: August 2026. How estimates are built. Adjust everything below.
Build your i7 lease
Pre-filled with BMW i7 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.
13.0% below MSRP
Term & usage
Longer terms lower the residual; higher mileage lowers it further.
42% of MSRP = $53,760Estimated from a 42% 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 i7 — estimated
$1,812
per month for 36 months
1.42% of MSRP per month
- Depreciation70%$1,275
- Finance charge23%$414
- Sales tax7%$122
What each monthly payment is made of.
Down payment + upfront fees + first month
Price + financed fees − cash, trade, rebates
42% of MSRP
6.48% equivalent APR
30,000 miles included
Signing cash + all monthly payments
BMW i7 at a glance
- MSRP
- $128,000
- Powertrain
- Dual-motor electric, 102 kWh
- Horsepower
- 449 hp
- 0–60 mph
- 5.3 sec
- Efficiency
- 87 MPGe
- Class
- Electric
i7 depreciation curve
Combines the two worst factors for retention: full-size luxury sedan and early-generation EV. Under 35% of MSRP retained at five years. Leasing is the only defensible way to run one.
Projected resale value
From $128,000 MSRP over five years.
Year by year
| Year | Value | Retained |
|---|---|---|
| Year 1 | $81,920 | 64% |
| Year 2 | $66,560 | 52% |
| Year 3 | $55,040 | 43% |
| Year 4 | $47,360 | 37% |
| Year 5 | $40,960 | 32% |
What a i7 costs to run
Estimated annual running costs excluding depreciation, at 5,000 miles per year.
| InsuranceAgreed-value policy, per year | $3,000 |
|---|---|
| MaintenanceScheduled service and wear items, per year | $1,500 |
| ElectricityAt 5,000 miles per year | $329 |
| Registration & fees1.2% of value, varies by state | $983 |
| Total per yearBefore depreciation | $5,812 |
Five-year total cost
Everything included, at 5,000 miles per year.
- Depreciation
- $87,040
- Insurance
- $15,000
- Maintenance
- $8,100
- Electricity
- $1,646
- Registration & fees
- $3,502
- Five-year total
- $115,288
That is $1,921 per month, or $4.61 for every mile driven.
BMW i7 — common questions
- How much is it to lease a BMW i7?
- At an MSRP of $128,000, a 36-month lease with 10,000 miles per year, a 0.0027 money factor, and $12,800 down works out to roughly $1,812 per month, with about $15,812 due at signing. Over the full term that is approximately $79,215. Your actual payment depends on the money factor and residual your dealer and leasing bank offer.
- What is the residual value on a BMW i7 lease?
- A typical 36-month, 10,000-mile residual for the BMW i7 is around 42% of MSRP, or about $53,760. 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 i7 depreciate?
- The BMW i7 is modeled to retain about 43% of its value after three years and 32% after five, meaning a loss of roughly $72,960 in the first three years. Combines the two worst factors for retention: full-size luxury sedan and early-generation EV. Under 35% of MSRP retained at five years. Leasing is the only defensible way to run one.
- What does it cost to own a BMW i7 per year?
- Including depreciation, insurance, maintenance, electricity, and registration, the BMW i7 is estimated at about $23,058 per year over five years at 5,000 miles annually — roughly $1,921 per month. Depreciation alone accounts for 75% of that.
- How much is insurance on a BMW i7?
- Budget around $3,000 per year for an agreed-value policy on the BMW i7, 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 i7?
- The BMW i7 retains about 43% 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 i7 costs about $2,227 a month once finance and running costs are combined — implying roughly $11,136 of net monthly income at 20% of net monthly income, plus $15,812 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 i7 math
Take the same figures into the other calculators.