To address your actual question, no, you haven’t filled the calculator out correctly. The net cap cost is not the selling price. The selling price plus the itemized add ons (tint, etching) is.
Also, your due at sale is $2500, not the down payment.
I was being generous, $300/m was on the high end. Some of the more savvy folks on the forum were paying $175.
Let’s be very clear about exactly what this car is and isn’t. It’s a very cheaply built small car on a FWD-based Mini platform. BMW couldn’t give them away.
If you want an AWD car, you can finance a Subaru for less total cost of ownership than this.
Actually, I looked at a Subaru first and they are selling in the 35K+ range, too. Guess I’ll sit tight and hope things get more reasonable in the future.
If you can sit tight that’s a good course of action.
When you’re ready to move, we can discuss in detail. “Subarus are going for $35k” is neither here nor there and honestly a red flag that you need to take a big step back before signing anything.