Fast forward to now. I'm a Buffett nerd — big believer in compound interest as a mental model for life. I run compound interest calculations constantly. Not because I need to, but because watching numbers grow over 30-40 years keeps me patient when markets get wild. It's basically meditation for long-term investors.
The problem? Every compound interest calculator online is terrible. Ugly interfaces, ads covering half the screen, can't customize compounding frequency properly, no year-by-year breakdowns. I've tried so many. They all suck.
When vibe coding started blowing up, something clicked. Maybe I could actually build the calculators I wanted? I don't have to be a "real developer" anymore — I just need to describe what I want clearly.
So I tried it.
Two weeks and ~$100(Opus 4.5 thinking model) in API costs later: I somehow have 60+ calculators. Started with compound interest, naturally. Then thought "well, while I'm here..." and added mortgage, loan amortization, savings goals, retirement projections. Then it spiraled — BMI calculator, timezone converter, regex tester. Oops.
The AI (I'm using Claude via Windsurf) handled the grunt work beautifully. I'd describe exactly what I wanted — "compound interest calculator with monthly/quarterly/yearly options, year-by-year breakdown table, recurring contribution support" — and it delivered. With validation, nice components, even tests.
What I realized: my years away from coding weren't wasted. I still understood architecture, I still knew what good UX looked like, I still had domain expertise (financial math). I just couldn't type it all out efficiently. AI filled that gap perfectly.
Vibe coding didn't make me a 10x engineer. But it gave me permission to build again. Ideas I've had for years suddenly feel achievable. That's honestly the bigger win for me.
Stack: Next.js, React, TailwindCSS, shadcn/ui, four languages (EN/DE/FR/JA). The AI picked most of this when I said "modern and clean."
Site's live at https://calquio.com . The compound interest calculator is still my favorite page — finally exactly what I wanted.
Curious if others have similar stories. Anyone else come back to building after stepping away?
Now I build all sorts of apps for my farm and organizations I volunteer for. I can pound out an app for tracking sample locations for our forage associations soil sample truck, another for moisture monitoring, a fleet task/calendar/maintenance app in hours and iterate on them when I think of features.
And git was brand new when I left the industry, so I only started using it recently to any extent, and holy hell, is it ever awesome!
I'm finally able to build all the ideas I come up with when I'm sitting in a tractor and the GPS is steering.
Seriously exciting. I have a hard time getting enough sleep because I hammer away on new ideas I can't tear myself away from.
For me it was financial tools I'd been sketching in my head for years. Now they actually exist.
The "can't sleep" part is so real. It's like being a kid again when you first discovered you could make things with code.
And I realized something — we just want to solve problems, not spend all our time studying the techniques for solving them.
Did you take over a farm?
Every other day I see ads of companies saying "use our AI and become a millionaire", this kind of marketing from agentic IDEs implies no need for developers who know their craft, which as said above, isn't the case.
This is a revolution, welcome back to coding :)
$100 seems like a lot. I guess if you think about it compared to dev salaries, it's nothing. But for $10 per month copilot you can get some pretty great results too.
I'll figure out a better way. Thanks for calling it out.
Things are definitely changing around HN compared to when it first started.
It's impossible to tell if this is AI or not. Another version of Poe's law. The only thing to do is assume everything is AI, just like you must assume all posts have ulterior (generalluy profit-driven) motives, all posters have a conflict of interest, etc.
Maybe the only thing to do is stop trying to understand posters' motivations, stop reading things charitably, stop responding, just look for things that are interesting (and be sure to check sources).
OP made a site with a bunch of calculators. Their critics didn’t make that!
It's cool that ChatGPT can stitch these toys together for people who aren't programmers, but 99% of software engineers aren't working on toys in the first place, so we're hardly threatened by this. I guess people who aren't software engineers don't realise that merely making a trivially basic website is not what software engineering is.
What’s even the point of writing out that first paragraph otherwise?
I was correcting your misguided statement:
> Their critics didn’t make that!
by pointing out that we, among other things, build the libraries that you/Claude are copy-and-pasting from. When you make an assertion that is factually incorrect, and someone corrects you, that does not mean they are threatened.
I'll keep learning and try to make this less of a toy over time. And hopefully I can bring what I've learned from years in investing into my next product to actually help people. Thanks for the perspective.
And if you are thinking enterprise, it would take 2-3 developers, 2 analysts, 2 testers, 1 lead and 1 manager 2-3 months to push something like this. (Otherwise why would lead banks spent billions and billions for IT development every year? What tangible difference you see in their website/services?)
5000 calculators may look excessive, but in this case it magnifies the AI capabilities in the future - both in terms of quality and quantity.
Well, I don't think all those people are spending their time making simple calculators.
I guess this is what separates some people. But I always explicitly tell it to use only HTML/JS/CSS without any libraries that I've vetted myself. Generating code allows you now not having to deal with it a lot more.
Cool to hear nonetheless. Can we now also stop stigmatizing AI generated music and art? Looking at you Steam disclosures.