Need to do the difference to your pay amount.. Then add insurance, rego, tyres and service.
For me $252 a week.. $39,379 over 3 years plus $32,402 balloon. equals $71k. - around 10k insurance etc . $61k
M3 cost me $65850. I am up $5k after 3 years
MY out pocket $296 a week $46k + $35k Balloon...