
Loan Estimator
Plan loan payments, interest, and amortization clearly
What it does
Loan Estimator helps you calculate monthly payments, total interest, and amortization schedules before committing to a loan. Compare fixed payment, fixed principal, and flat-rate methods for mortgage, car, personal, or business scenarios. Save calculations, review history, track repayment progress, and adjust currency or language settings for clearer everyday loan planning. Built as an estimation tool for planning and comparison, not a lender or financial advisor.
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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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