Markup Chain: Cost to Wholesale to Retail

Excel Formulas › Business

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Goods often get marked up twice — manufacturer to wholesaler, wholesaler to retailer. Chain the markups to see the final shelf price, and the total markup from original cost.


Quick formula: for cost B1, wholesale markup B2, retail markup B3:
=B1 * (1 + B2) * (1 + B3)
Each (1 + markup) stacks on the previous price. Multiplying them chains the markups to the final retail price.

Functions used (tap for the full reference guide):

The example

$10 cost, 40% wholesale markup, then 50% retail markup.

AB
1StagePrice
2Cost$10.00
3Wholesale (+40%)$14.00
4Retail (+50%)$21.00

The formula

Final retail price from cost:

=B1 * (1 + B2) * (1 + B3) // $10 → $14 → $21

How it works

Markups compound, just like interest:

  1. Each stage multiplies the previous price by (1 + markup).
  2. Chaining them — cost × (1+m1) × (1+m2) — gives the final price after both markups.
  3. The total markup from cost is finalPrice/cost − 1 — here 110%, not 90%, because the second markup applies to the already-marked-up price.
  4. Add more stages by multiplying in another (1 + markup) factor.

Markups don’t add. 40% then 50% is not 90% — it’s 110%, because the second markup is taken on the higher price. Adding the percentages is the classic pricing mistake.

Try it: interactive demo

Live demo

Set cost and two markups.

Wholesale · Retail · Total markup

Variations

Total markup from cost

Combined effect:

=finalPrice / cost - 1

Three-stage chain

Add another factor:

=cost * (1+m1) * (1+m2) * (1+m3)

Back out the cost

From retail price:

=retail / ((1+m1)*(1+m2))

Pitfalls & errors

Don’t add markups. Multiply the (1+markup) factors; adding percentages understates the final price.

Markup vs margin. These are markups on cost. If a stage quotes a margin on price instead, convert it first.

Round only at the end. Rounding each stage can drift the final price; keep precision until the last step.

Practice workbook

📊
Download the free Markup Chain: Cost to Wholesale to Retail practice workbook
A markup-chain sheet with total markup, three-stage, and back-out variants, plus 4 challenges with answers. No sign-up required.

Frequently asked questions

How do I chain two markups in Excel?
Multiply the factors: =cost * (1 + markup1) * (1 + markup2). Each (1+markup) stacks on the previous price.
Why isn't a 40% then 50% markup equal to 90%?
The second markup applies to the already-marked-up price, so the combined effect is 110%, not 90%. Markups multiply, they don't add.
How do I find the original cost from a retail price?
Divide by the chained factors: =retail / ((1+m1)*(1+m2)).

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Function references: PRODUCT