The answer is your payback / if you shoot 5 boxes a week is between 10 and 20 months depending on what kind of machine you need. If you shoot 10 boxes a week - payback is cut in half.
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I use MEC loaders ....and their better machines ( all progressive ) start at
$ 375 for the Grabber ( this is my low end option ) / $ 430 for the 9000 GN / $ 875 for the 9000 HN hydraulic. You can go cheaper - but I wouldn't...
The loader ( for shotshells ) comes with everything you'll need except a scale - so add $ 55 for a good beam scale.
So call it $ 430 to $930 / for enty level to high end. The difference in the machines ( all MEC ): not that RCBS, etc don't make good machines / but I believe MEC has 80+ % of the market ...
A. MEC Grabber model ( manually indexes ) and manually operated / speed is 6 - 8 boxes and hour. Very good long term machine.
b. MEC 9000 GN is manually operated but auto indexes - speed 10-12 boxes an hour. An excellent long term machine.
c. MEC 9000 HN is operated hydraulically by a foot pedal / speed is 15 - 20 boxes an hours. The top of the line for MEC -- but you need some room. Electric motor and hydraulic pump have to rest on the floor. Once its full of oil / its not something you want to move much / if at all.
My cost to reload is $ 3.75 per box ( 25 shells ) - components are shot, primers, wads and the hull. I calculate an STS hull at 25 reloads before I toss it out. I buy components in case quantities ( 5000 primers to a case etc ) ...
Retail - 12ga shells are $ 6 a box - maybe more / ...so my savings is $ 2.25 per box....
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If I shoot 10 boxes a week my savings is $ 22.50 per week.
If I buy the Grabber - to break even $ 430 takes 5 months...( and I still have a Grabber machine / MEC / that I bought new in about 1985 - and I reconditioned it ( spent maybe $ 15 on parts ) and I'll pass it on to one of my adult kids and he'll use it for 30 yrs ...???
All 3 machines produce very high quality shells.
My primary machines are the hydraulics ----but at the same 10 boxes a week the payback is 41 wks or a little over 10 months.../ where when I was shooting competitively, I shot easily 20 boxes a week - so it was a little faster.
Savings are even higher on 28ga and .410 hulls ...where I reload them for around $ 2.50 a box / and retail they are close to $ 10 a box ....
so I've invested in the Hydraulic MEC machines - in 12ga, 20ga, 28ga and .410 ....but I only need one pump ( the $ 875 price ) and I only buy the loader for 20ga, 28ga and .410 for about $ 1600 = meaning I have all 4 gagues for about $ 2,500. Now mind you - those 4 machines will get passed down as well ( when I'm old ...I'm only 60 now ...) and I intend to shoot for at least another 25 yrs ...maybe more ...
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I learned to reload when I was about 10 ....so I've been at it, off and on, for 50+ yrs. To me, its part of the game ...and I like it. Its quiet time in my shop / listen to some music ---just relax ---- and crank out 20 boxes or so in an hour is no big deal.
I can customize my shells to whatever I want. If I want some 9's in my 20ga - I load em up. If I want some 8's - I load em up. If I want some at 1150 fps - I load em up ....or 1200 fps / or 1225 fps or whatever is my point...
Its also my pleasure to pass this part of the hobby onto my kids (now adults) and my grandkids ( now 2 - 19 ) ...just like I learned from my Grandpa when I was 10. There is something very special to most kids ...about making up their own shells to go to the range or to the gun club. Its also a time to talk to the kids ( get their cell phones off ) and get them to focus on something different ...
I'd reload ...even if the cost was a wash .../ because I like it ...and while I justify it with savings ...the reality is I shoot more ( with the same budget ) because I reload. But yes - it will save you some money.