
USAFinCalc
Free IRS-accurate financial calculators for Americans
What it does
USAFinCalc gives every American free, instant financial calculators — no signup, no ads, no BS. 13 tools including: 💵 Salary Calculator (all 50 states) 🧾 Federal Tax Calculator (2025 IRS brackets) 🏠 Mortgage Calculator with amortization 🏦 401(k) + Roth IRA growth projections 📈 Compound Interest + Capital Gains Tax 🚗 Auto Loan + Debt Payoff (Avalanche/Snowball) All calculations run 100% in your browser. Zero data collected. Updated every January with official IRS data.
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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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