John Deere S780 Financing Calculator
combines · Est. Market Price $495,000 · More John Deere financing
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John Deere's S780 is a high-output combines machine, spec'd with a 473hp engine and 49,140 lb operating weight.
Compared against every other combines page on this site, the John Deere S780's 473hp puts it roughly mid-pack by horsepower among combines models tracked here. By operating weight, it comes in at 77% of the heaviest combines model in this dataset.
The numbers below assume a 60-month $1-buyout capital lease on the $495,000 S780: $9,993/mo at an estimated 7.75% APR, ending in full ownership rather than a residual payoff. For financing at this level, lenders at this price tier commonly structure the deal with a larger down payment option to bring the monthly payment down further. Across the full 60-month term, total payments come to $599,569 — about $104,569 above the $495,000 cash price, which is the real cost of financing instead of paying up front.
At an estimated $9,993/month, this ties for #3 of 10 by estimated payment (tied with 1 other currently priced combines model at this exact price point) — 23% below the combines average of $12,956/mo.
Because 100% bonus depreciation is currently in effect (equipment placed in service after January 19, 2025) and this asset qualifies under Section 179's $2,560,000 2026 cap, the full $495,000 cost is a candidate for a first-year deduction rather than a multi-year depreciation schedule -- the actual benefit depends on the buyer's taxable income, so this isn't a substitute for a CPA's sign-off.
Estimated Monthly Payment
Estimated Commercial APR including doc/origination fees. Adjust the slider to personalize the rate for your credit tier.
$9,992.81/mo
Base APR: 7.75% · 60 months
| Month | Payment | Principal | Interest | Balance |
|---|
Section 179 Tax Deduction Matrix
Estimates for illustrative purposes only. Consult a certified CPA to determine actual Section 179 depreciation. Source: IRS Publication 946 .
| Estimated Equipment Price | $495,000 |
| 2026 Section 179 Cap | $2,560,000 |
| Eligible Deduction | $495,000 |
| Federal Corporate Tax Rate | 21% |
| Estimated Tax Savings | $103,950 |
| Effective After-Tax Cost | $391,050 |
Asset Specifications
| Make | John Deere |
| Model | S780 |
| Category | agriculture |
| Subcategory | combines |
| Horsepower | 473 hp |
| Operating Weight | 49,140 lbs |
| Estimated Market Price | $495,000 |
| Fuel Tank Capacity (gal) | 330 |
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Frequently Asked Questions
What is the estimated monthly payment for a financed John Deere S780?
An estimated $9992.81/month over 60 months at a base APR of 7.75%, including a $750.00 doc/origination fee.
Does the estimated payment change based on credit score?
Yes. The calculator above has 5 credit tiers, each adjusting this machine's 7.75% base APR: Subprime 12.25%, Fair 10.25%, Good 7.75%, Very Good 7.00%, Prime 6.25%. "Good" is the default tier shown; drag the slider to see the exact payment at your tier.
Is the John Deere S780 eligible for a Section 179 tax deduction?
Yes. Under the 2026 Section 179 cap of $2,560,000, qualifying businesses may be able to deduct the full purchase price in the year it's placed in service, subject to CPA verification.
Does 100% bonus depreciation apply to a financed John Deere S780?
Bonus depreciation was restored to 100% for equipment placed in service after January 19, 2025, and it applies more broadly than Section 179 -- it isn't capped by the $2,560,000 Section 179 limit and generally isn't affected by a business's Section 179-eligible income limit. Financing rather than paying cash doesn't disqualify a purchase from this: the full $495,000 placed-in-service cost is typically what counts, not the amount actually paid that year. Confirm applicability with a CPA before filing.
What's the total cost of financing this John Deere S780 versus paying cash?
Over the full 60-month term, estimated payments total $599,569 -- about $104,569 more than the $495,000 cash price. That difference is the estimated cost of financing (interest plus the $750.00 doc fee) rather than paying up front.
How much would a down payment lower the monthly payment on this John Deere S780?
Putting 10% down ($49,500 on this John Deere S780) reduces the estimated payment from $9,993/mo to roughly $8,995/mo at the same 7.75% estimated APR -- a real reduction, since a down payment lowers the amount actually financed rather than just the sticker price.
What is the typical resale or auction value for a John Deere S780?
Estimated 5-year residual value is approximately 38.5% of MSRP.
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