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Terminology

A glossary of the financial terms used across Calm Sea

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What is Gross Rent Multiplier (GRM): Formula, Examples, and How to Use It

Gross rent multiplier (GRM) divides a property's price by its annual gross rent. Learn the formula, how to use it in reverse, what a good GRM is and its limits.

June 29, 2026

What is LTV (Loan to Value Ratio)? Why 80% Matters, and How It Changes Over Time

LTV (loan to value ratio) is your mortgage balance as a percentage of your property's value. Learn why 80% is the key threshold and how LTV changes over time.

June 25, 2026

How to Calculate NOI: Formula, Examples & Mistakes

Net Operating Income (NOI) is annual revenue minus operating expenses, before debt and taxes. Learn the exact formula, step-by-step walkthrough and examples.

June 22, 2026

What Is Cap Rate in Real Estate? Formula, Examples, and What Makes a Good Number

Cap rate is a property's net operating income divided by its value. Learn the cap rate formula, worked examples, what counts as a good cap rate and its limits.

June 21, 2026

How to Calculate Rental Yield (Gross vs Net, Formulas, and Worked Examples)

Learn how to calculate gross and net rental yield on an investment property, with step-by-step formulas, worked examples, market benchmarks and common mistakes.

June 20, 2026

What Is an Asset? A Plain-English Guide for Personal Finance

What is an asset? Anything you own that has financial value. Learn the main types of personal assets, how they build net worth, and how to track them over time.

June 17, 2026

What Is a Liability? Definition, Examples & Impact on Net Worth

In personal finance, a liability is money you owe. See common types, good vs bad debt, and how a $450k mortgage can turn a 10% price fall into a 40% equity hit.

June 15, 2026

What Is an Asset Projection Calculator and How Do You Use It?

An asset projection calculator forecasts your future net worth from savings, growth rate and time. Learn how it works, which inputs matter, and try one free.

June 11, 2026

What Is a 401(k)? A Plain-English Guide to America's Most Popular Retirement Account

A 401(k) is a tax-advantaged retirement savings account offered through your employer. Here's how it works, why it matters, and how to make the most of it.

June 9, 2026

The 4% Rule Explained: Does It Still Work in 2026?

The 4% rule is the most cited number in retirement planning. See what it actually says, where it breaks down in 2026, and how to think about withdrawal rates.

June 7, 2026

Retirement Savings Projection Calculator: How to See Your Financial Future Clearly

Learn how a retirement savings projection calculator works, which inputs matter most, and how to use one to see whether you're on track to retire comfortably.

June 5, 2026

Best FIRE Tracking App: 6 Top Options Compared

Looking for the best FIRE tracking app? We compare Calm Sea, ProjectionLab, Boldin, Empower, Monarch and spreadsheets on FI tracking, projections and price.

June 3, 2026