Audi S5 vs BMW 4 Series Cabriolet: cost to own

Verdict, over 6 years

They cost about the same

Within $379: too close to call. Closest matching trims: same fuel and drive where possible.

S5 TFSI quattro S tronic$1,856/moTrue cost

4 Series Cabriolet 430i xDrive Cabriolet$1,861/moTrue cost

2026 Audi S5

Closest matching trim: S5 TFSI quattro S tronic

Sticker (MSRP)$70,950

+$13,384→↓Freight, fees, HST

Drive away$84,334

+ running costs→↓− $34,766 resale

True cost$1,856/moA month to own, after resale

2027 BMW 4 Series Cabriolet

Closest matching trim: 4 Series Cabriolet 430i xDrive Cabriolet

Sticker (MSRP)$72,500

+$13,601→↓Freight, fees, HST

Drive away$86,101

+ running costs→↓− $35,525 resale

True cost$1,861/moA month to own, after resale

Line by line


Price
Sticker (MSRP)	✓ $70,950	$72,500	S5 by $1,550
Freight and fees, before tax	✓ $3,682	$3,696	S5 by $14
Sales tax (HST)	✓ $9,702	$9,905	S5 by $203
Drive-away price	✓ $84,334	$86,101	S5 by $1,767
Running costs, 6 years
Fuel or charging	$20,380	✓ $17,982	4 Series Cabriolet by $2,398
Insurance (estimate)	✓ $17,025	$18,081	S5 by $1,056
Maintenance (estimate)	$12,850	$12,850	—
Loan rate	6.5%	6.5%	—
Loan interest	✓ $16,685	$17,057	S5 by $372
Lost return on your money	✓ $17,006	$17,347	S5 by $341
Resale after 6 yrs	−$34,765	✓ −$35,525	4 Series Cabriolet by $760
Total
True cost	✓ $133,605	$133,984	S5 by $379
True cost a month	✓ $1,856/mo	$1,861/mo	S5 by $5
You pay each month	✓ $2,033/mo	$2,044/mo	S5 by $11
Practical
Fuel type	Premium gas	Premium gas	—
Seats	5	4	—
Carry-ons, 2 people	Not published	Not published	—
Cargo behind row 2, litres	Not published	Not published	—
Length	—	4.77 m	—
Resale % after 6 yrs	49%	49%	—
US crash test	Not rated yet	Not rated yet	—

Price

Sticker (MSRP)

S5 TFSI quattro S tronic ✓ $70,9504 Series Cabriolet 430i xDrive Cabriolet $72,500Cheaper by S5 by $1,550

Freight and fees, before tax

S5 TFSI quattro S tronic ✓ $3,6824 Series Cabriolet 430i xDrive Cabriolet $3,696Cheaper by S5 by $14

Sales tax (HST)

S5 TFSI quattro S tronic ✓ $9,7024 Series Cabriolet 430i xDrive Cabriolet $9,905Cheaper by S5 by $203

Drive-away price

S5 TFSI quattro S tronic ✓ $84,3344 Series Cabriolet 430i xDrive Cabriolet $86,101Cheaper by S5 by $1,767

Running costs, 6 years

Fuel or charging

S5 TFSI quattro S tronic $20,3804 Series Cabriolet 430i xDrive Cabriolet ✓ $17,982Cheaper by 4 Series Cabriolet by $2,398

Insurance (estimate)

S5 TFSI quattro S tronic ✓ $17,0254 Series Cabriolet 430i xDrive Cabriolet $18,081Cheaper by S5 by $1,056

Maintenance (estimate)

S5 TFSI quattro S tronic $12,8504 Series Cabriolet 430i xDrive Cabriolet $12,850Cheaper by —

Loan rate

S5 TFSI quattro S tronic 6.5%4 Series Cabriolet 430i xDrive Cabriolet 6.5%Cheaper by —

Loan interest

S5 TFSI quattro S tronic ✓ $16,6854 Series Cabriolet 430i xDrive Cabriolet $17,057Cheaper by S5 by $372

Lost return on your money

S5 TFSI quattro S tronic ✓ $17,0064 Series Cabriolet 430i xDrive Cabriolet $17,347Cheaper by S5 by $341

Resale after 6 yrs

S5 TFSI quattro S tronic −$34,7654 Series Cabriolet 430i xDrive Cabriolet ✓ −$35,525Cheaper by 4 Series Cabriolet by $760

Total

True cost

S5 TFSI quattro S tronic ✓ $133,6054 Series Cabriolet 430i xDrive Cabriolet $133,984Cheaper by S5 by $379

True cost a month

S5 TFSI quattro S tronic ✓ $1,856/mo4 Series Cabriolet 430i xDrive Cabriolet $1,861/moCheaper by S5 by $5

You pay each month

S5 TFSI quattro S tronic ✓ $2,033/mo4 Series Cabriolet 430i xDrive Cabriolet $2,044/moCheaper by S5 by $11

Practical

Fuel type

S5 TFSI quattro S tronic Premium gas4 Series Cabriolet 430i xDrive Cabriolet Premium gasCheaper by —

Seats

S5 TFSI quattro S tronic 54 Series Cabriolet 430i xDrive Cabriolet 4Cheaper by —

Carry-ons, 2 people

S5 TFSI quattro S tronic Not published4 Series Cabriolet 430i xDrive Cabriolet Not publishedCheaper by —

Cargo behind row 2, litres

S5 TFSI quattro S tronic Not published4 Series Cabriolet 430i xDrive Cabriolet Not publishedCheaper by —

Length

S5 TFSI quattro S tronic —4 Series Cabriolet 430i xDrive Cabriolet 4.77 mCheaper by —

Resale % after 6 yrs

S5 TFSI quattro S tronic 49%4 Series Cabriolet 430i xDrive Cabriolet 49%Cheaper by —

US crash test

S5 TFSI quattro S tronic Not rated yet4 Series Cabriolet 430i xDrive Cabriolet Not rated yetCheaper by —

✓ marks the better figure. Resale for both is typical for their type and brand (unless you lease). Their stickers differ by $1,550.