展示HN：我几年前停止了编码。人工智能让我重拾编程。

展示HN：我几年前停止了编码。人工智能让我重拾编程。
Show HN: I quit coding years ago. AI brought me back

原始链接: https://calquio.com/finance/compound-interest

## 复利：总结复利不仅是在你的初始投资（本金）上赚取利息，还在之前的利息积累上赚取利息——从而导致指数增长。它常被称为“世界第八大奇迹”，理解它对于财富积累至关重要。核心公式是 **A = P(1 + r/n)^(nt)**，其中A是最终金额，P是本金，r是年利率，n是复利频率，t是年数。更频繁的复利（每日与每年相比）会带来更高的回报。一个有用的捷径，**72法则**，可以估算翻倍时间：**翻倍年数 = 72 / 利率**。要最大化复利：**尽早开始投资**，**定期投入**，**再投资收益**，**寻求更高的利率**，并**最小化费用**。时间和一致性是你利用复利力量的最大优势。

## AI 重新点燃一位前程序员的热情一位前程序员对传统开发的挑战感到幻灭，但通过 AI 驱动的“氛围编程”重新发现了他们的热情。在金融领域工作多年后，他们发现现有的复利计算器不足，并受到 Claude 等工具易用性的启发，决定自己构建一个。在两周内，花费了 100 美元的 API 费用，他们创建了 60 多个计算器——从复利开始，扩展到各种金融和实用工具，并托管在 [calquio.com](https://calquio.com)。AI 处理了编码的“繁重工作”，让创建者专注于架构、用户体验和领域专业知识。这次经历并非为了成为超级开发者，而是为了消除构建障碍。许多评论者分享了类似的经历，他们多年后重返编码，并被 AI 赋能，可以快速原型设计并实现长期以来的想法。这篇文章引发了关于 AI 作为一种新型“终端用户编程”及其 democratize 开发潜力的讨论。

原文

What is Compound Interest?

Compound interest is interest calculated on both the initial principal and the accumulated interest from previous periods. Unlike simple interest, which only earns interest on the original amount, compound interest allows your money to grow exponentially over time.

Albert Einstein reportedly called compound interest "the eighth wonder of the world," saying: "He who understands it, earns it; he who doesn't, pays it."

The Compound Interest Formula

The basic formula for compound interest is:

A = P \left(1 + \frac{r}{n}\right)^{nt}

Where:

A = Final amount (principal + interest)
P = Principal (initial investment)
r = Annual interest rate (as a decimal)
n = Number of times interest compounds per year
t = Time in years

For continuous compounding, the formula becomes:

The Rule of 72

A quick mental math trick to estimate how long it takes to double your money:

\text{Years to double} = \frac{72}{\text{Interest Rate}}

For example:

At 6% interest: 72 ÷ 6 = 12 years to double
At 8% interest: 72 ÷ 8 = 9 years to double
At 12% interest: 72 ÷ 12 = 6 years to double

The Rule of 72 is a quick approximation. For more precise calculations, use the formula above or our calculator!

Why Compound Frequency Matters

The more frequently interest compounds, the more you earn. Think of it as: how often the bank calculates and adds interest to your balance.

Annual compounding: Interest added once per year
Monthly compounding: Interest added 12 times per year
Daily compounding: Interest added 365 times per year
Continuous compounding: Interest added infinitely (theoretical maximum)

At a 10% annual rate on $10,000 over 10 years:

Annual compounding: $25,937
Monthly compounding: $27,070
Daily compounding: $27,179
Continuous compounding: $27,183

Tips for Maximizing Compound Interest

Start early – Time is your greatest ally. Even small amounts grow significantly over decades.
Be consistent – Regular contributions amplify the effect of compounding.
Reinvest returns – Don't withdraw interest; let it compound.
Seek higher rates – Even a 1% difference compounds to significant amounts over time.
Minimize fees – High fees erode your compounding gains.