Using compound interest, in year 2 we make interest on the $1020, (the principal plus year 1 interest). In year 3 we make interest on the $1040.40, (the principal plus year 1 and year 2 interest) and so on.
Comparing values in both types of accounts at year 3:
Simple Interest Account = $1,060.00
Compound Interest Account = $1,061.21
We are going to make an extra $1.21 just because we got interest on our interest.
使用复利时，在第二年我们对1020美元（本金加上第一年利息）计息。在第三年，我们对1040.40美元（本金加上第一年和第二年的利息）计息，以此类推。
比较第三年两类账户的价值：
单利账户=1060.00美元
复利账户=1061.21美元
我们要多赚1.21美元，因为我们从利息中获得利息。
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