
Wyzfin
Your path to debt freedom & smarter money
What it does
Wyzfin offers powerful financial calculators to help you achieve debt freedom and make smarter money decisions. Calculate credit card payoff timelines, compare debt snowball vs avalanche methods, build a 50/30/20 budget, estimate mortgage payments with taxes/PMI, visualize compound interest growth, and compare car loan financing. Unlike complex apps, Wyzfin provides instant results with zero signup and complete privacy - your data never leaves your browser. Localized for US, UK, EU, AU, and NZ.
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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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