Free & interactive

The Rate Markup Decoder

Your rate is the 10-year Treasury plus a markup chain. Type two numbers and see your markup.

Decoder

@fmaunlv

Your rate is the 10-year Treasury plus a markup chain. Type two numbers and see your markup.

THE CHAIN

Fed to bank to you

Banks borrow near the Fed's rate, then sell you the money with margin stacked on top.

THE MENU

Risk sets the markup

Mortgage: secured by a house, small markup. Credit card: secured by a promise, 15+ points.

THE MOVE

Shop the chain, not the sticker

Two lenders, same day, same borrower: quotes can sit a full point apart.

My rate (just the number, like 24)

The 10-year Treasury today (one search away)

My markup over the risk-free rate

...

I know exactly what secures this loan

Collateral is why two loans price differently.

I have a second quote

The only negotiation tool that always works.

An AI coach reads your work against the FMA playbook. Education, not financial advice.

The Fed sets the first price. You negotiate the last.Know the chain and the markup stops being invisible.

Same bottle, different menu.

Take the knowledge with you: the PDF is the full framework, worked examples, and the printable version of this tool. Download the guide (PDF)One-page card

Saw this on our Instagram? Comment MARKUP on the post for this link. Follow @fmaunlv for a new finance guide every week.

More free guides

The Capital Stack Cheat SheetPayout order when a company fails, top gets paid first. Tap what you own to find your seat The Write-Off Reality CheckType the price. Watch what the write-off actually saves you, then run the three checks.5 Questions Before You InvestName the deal, run all five, then have the coach pressure-test the weakest one.