Spend8 — AI Money Manager

What it does

Spend8 is India's smartest AI expense manager that automatically reads your bank transaction SMS and turns every UPI payment, debit, or credit into a clean, organised spending tracker.

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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…

  Life & fun · May 2026 · github.com

• FM
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