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Markup vs. Margin: The Math That Keeps You in Business

A '50% markup' sounds like 50% profit. It's actually 33%. That gap is where busy contractors quietly go broke — here's the math, made simple.

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This is the most expensive misunderstanding in the trades. Markup and margin sound interchangeable, they're not, and the difference is real money on every single job. If you set prices thinking in one while you need the other, you under-earn without ever knowing why.

The two definitions

Same job, same dollars — but "50% markup" and "33% margin" describe the exact same transaction. The percentages differ because they're measured against different numbers.

Why it matters

Most contractors think in terms of "what do I add on?" — that's markup. But the number that tells you whether the business survives is margin, because overhead comes out of the price. If you need a 40% margin to cover overhead and profit, but you set a 40% markup, you're actually running a 29% margin and coming up short on every job.

The conversion table

MarkupEquals this margin
25%20%
50%33%
67%40%
100%50%
150%60%

The formulas: margin = markup ÷ (1 + markup), and to hit a target margin, markup = margin ÷ (1 − margin). Want a 40% margin? Mark up 67%.

Put it into your pricing

Decide the margin your business needs to cover overhead and pay you, then convert it to the markup you apply on the job. Every QuoteAnyJob estimate template has a markup field, so once you know your number the totals handle the math. Pair this with a solid estimate and you'll price jobs that actually keep the lights on.

Frequently asked questions

What is the difference between markup and margin?

Markup is profit as a percentage of your cost; margin is profit as a percentage of the price you charge. A 50% markup on a $100 cost gives a $150 price — but that’s only a 33% margin. Confusing the two is why many contractors think they’re making more than they are.

How do I convert markup to margin?

Margin = markup ÷ (1 + markup). So a 50% markup is a 33% margin; a 100% markup is a 50% margin. To hit a target margin, markup = margin ÷ (1 − margin): a 40% margin needs a 67% markup.

What markup should a contractor use?

It depends on your overhead and trade, but many small contractors need a 40–50% margin (roughly a 67–100% markup) on labor and materials to cover overhead and leave real profit. Pricing at cost plus a small markup is a common path to going broke while busy.

Why does mixing up markup and margin lose money?

Because a "50% markup" feels like 50% profit, but it’s only a 33% margin. Contractors who set prices thinking in markup while needing a margin quietly under-earn on every job. Always confirm which one your target is stated in.

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QuoteAnyJob is a quoting and planning tool, not legal or tax advice. Published 2026-07-24.