One cubic yard of mulch equals 13.5 bags and covers 108 ft² about 3 inches deep.
Why order extra? The headline number is the exact material your project needs. When you actually order, add about 5–10% on top — the “with 5% waste” figure in the result is a safe starting point. That margin covers what you lose to compaction, cuts around edges and corners, and ordinary spillage during handling. It is cheaper to have a little left over than to stop mid-job and wait on a second delivery.