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2026 BMW X6 xDrive40i vs 2026 Porsche Cayenne Base

At a fair price, the 2026 BMW X6 xDrive40i costs less — about $69,600. The 2026 Porsche Cayenne Base holds its value a touch better, keeping roughly 62% after three years. All in — the value it loses plus what it costs to run — the 2026 Porsche Cayenne Base works out cheaper to own, about $33,820 over three years. Whichever you lean toward, start a fund now and your down payment will be ready when you are.
The price to buy it
$69,600Better
$77,120
What a fair price could save you
$5,400Better
$2,880
What it may be worth in 3 years
$37,500
$49,600Better

The value it loses plus what it costs to run — the cheaper car to buy isn't always the cheaper car to own.

Over 3 years
$38,400
$33,820Better
A mile
107¢
94¢Better
Not sure yet? Start a fund either way

You don't have to decide today. Save a little each week and your car fund keeps growing — pick the car when you're ready and the down payment is already there.

Start my car fundHave the Downly app? Open it here
Rather keep your cash?

Buying either one means a big payment up front — around $13,920 for the 2026 BMW X6 xDrive40i or $15,424 for the 2026 Porsche Cayenne Base. Leasing can let you keep that money working for you instead of handing it to the dealer. See your monthly and how much cash you'd keep — lease vs buy, side by side.

For the 2026 Porsche Cayenne Base: About $48,530 in all over the 3-year lease. Buying, about $94,564 in all over the 5-year loan.
That's about $16,177 a year leasing — vs about $18,913 a year financing.
See lease vs buy for the 2026 Porsche Cayenne Base
Is the 2026 BMW X6 xDrive40i or the 2026 Porsche Cayenne Base cheaper to buy?

At a fair price the 2026 BMW X6 xDrive40i costs less — about $69,600, versus $77,120 for the 2026 Porsche Cayenne Base.

Which one holds its value better?

The 2026 Porsche Cayenne Base holds its value a little better — about 62% after three years, versus 50% for the 2026 BMW X6 xDrive40i.

Which one is cheaper to own overall?

Looking at the whole picture — the value it loses plus what it costs to run — the 2026 Porsche Cayenne Base costs less to own over three years, about $33,820 (roughly 94¢ a mile), versus $38,400 for the 2026 BMW X6 xDrive40i. The cheaper car to buy isn't always the cheaper car to own. A national-average guide, not a quote.

How much should I save for either one?

A common starting point is about 20% up front — that's roughly $13,920 for the 2026 BMW X6 xDrive40i or $15,424 for the 2026 Porsche Cayenne Base. Start a fund and it keeps growing while you decide.

Should I lease one of these instead of buying?

It's worth a look if you'd rather keep your cash. Buying either one means a big payment up front — around $13,920 for the 2026 BMW X6 xDrive40i or $15,424 for the 2026 Porsche Cayenne Base. Leasing usually skips most of that, so that money stays yours instead of going to the dealer — Downly suggests putting $0 down on a lease. See lease vs buy for either car to compare the monthly and how much cash you'd keep.

2026 BMW X6 xDrive40i money guide
2026 Porsche Cayenne Base money guide
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