How much mulch you actually need
Mulch math is soil math: area times depth gives volume, and volume is what you buy — cubic yards in bulk, 2 or 3 cubic foot bags at the store. Depth is the decision that matters. 3 inches is the standard for a new bed: thick enough to block light to weed seeds and slow evaporation, thin enough that water and air still reach the soil. Refreshing a bed that already has mulch? 2 inches. And 4 inches is the ceiling, not a starting point — mulch deeper than that suffocates roots, holds soggy moisture against stems, and gives voles a highway. The "mulch volcano" piled against a tree trunk isn't a landscaping style; it's a slow way to kill the tree.
The formula
Coverage cheat sheet — one cubic yard covers 162 sq ft at 2″, 108 sq ft at 3″, and 81 sq ft at 4″. Bag shortcut: a yard is 13.5 two-cu-ft bags (call it 14) or 9 three-cu-ft bags, so you can sanity-check any store run in your head.
Worked example
A 12 × 18 ft planting bed (216 sq ft) at 3 inches: 216 × 0.25 = 54 cu ft = exactly 2 cu yd. That's 27 two-cu-ft bags or 18 three-cu-ft bags.
At $4.50 per 2 cu ft bag, bags run 27 × 4.50 = $121.50. Bulk at $38 per cubic yard is 2 × 38 = $76.00 — bulk saves $45.50 before delivery fees, which is why the cost comparison is worth filling in.
Bags vs bulk: where the flip happens
Per cubic foot, bagged mulch typically costs two to three times the bulk price — you're paying for plastic, pallets, and the privilege of loading 14 bags into a hatchback. Bulk flips the other way on small jobs, because delivery fees of $20-60 swamp the savings on a half-yard order. The practical rule: under about 1 cubic yard, buy bags; over about 1.5 yards, order bulk; in between, run both numbers (the calculator's comparison row does it for you, but remember to mentally add your supplier's delivery fee to the bulk side). One more bulk perk that never shows up in the math: no 27 empty plastic bags to throw away.