The "cartridges" are included. According to the printer status, I have printed 650 pages so far (photos, text and graphics mixed). The fill level is currently at this level: black 60%, cyan 10%, magenta 20%, yellow 10%.
I find the printer very practical - good print quality and also an excellent and fast scanner.

Yes, setup cartridges (black and white, colour) are included. However, these should not last for >5000 pages like the "normally" filled ones, but only for approx. 1000 prints. Otherwise a good printer/scanner. Works perfectly.

I received the printer at the end of June and it has been working wonderfully ever since.
As Mattstone said, I'm also very happy with the print quality and especially the fast double-sided one-pass scanner. It's just a shame that I could only set the automatic skipping of blank pages for scan-to-mail - now I just send myself all the scans via Gmail, which is easier than always starting the apps on my iMac anyway.
As I have just printed several full-page blue presentations, my cyan is at 0%. Magenta 40% Yellow 40% and black 70%.
My counter shows 246 pages in black and white and 474 pages in full colour.

At the moment I would buy it again!

It felt like the kits were 1/2 full. However, I would advise against buying this printer. The print quality is good at the beginning, but shortly before the end of the warranty after approx. 6000 prints, important components were defective, so that only "grey haze" prints were possible. The operation is also not very intuitive.