HabitMoney

What it does

HabitMoney stands out by focusing on building better money habits, not just tracking expenses. It helps users understand spending patterns, stay consistent with daily money decisions, improve savings awareness, and manage finances through a simple, beginner-friendly experience. Instead of overwhelming users with complex dashboards, HabitMoney keeps money management practical, clear, and habit-driven.

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  HabitGo2025 · ▲525

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  Habitz Jan 2026 · ▲96

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  junto - sustainable habits2022 · ▲84

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  Financial Habit SystemJun 2026 · omarijimmy073-sketch.github.io · ▲3

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  Needle: We Distilled Gemini Tool Calling into a 26M Model▲776

  Hey HN, Henry here from Cactus. We open-sourced Needle, a 26M parameter function-calling (tool use) model. It runs at 6000 tok/s prefill and 1200 tok/s decode on consumer devices. We were always frustrated by the little effort made towards building agentic models that run on budget phones, so we conducted investigations that led to an observation: agentic experiences are built upon tool calling, and massive models are overkill for it. Tool calling is fundamentally retrieval-and-assembly (match query to tool name, extract argument values, emit JSON), not reasoning. Cross-attention…

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• FM
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