Don't laugh but we traded it for a 2011 Lexus HS250H Hybrid for my wife. The X5 got 17.5 mile to the gallon, this gets 35mpg around town. We do 2000 miles a month in driving so I am expecting to save $225 a month in gas, so between the trade in ($5500 for the X), the 6K I put down, the payments are $347- so if I save 225 in gas, the payment will be $127.