loans.401k/401k-loans · v1.2026.1101.1 · finance-and-payments
401k.loans: 401(k) loan and withdrawal calculators is healthy: it completed an MCP handshake in 214 ms and exposes 3 tools.
401(k) loan true cost, loan vs. withdrawal vs. personal loan vs. HELOC, early withdrawal tax.
Endpoint: https://401k.loans/mcp (streamable-http)
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| Users (last 30 days) | 0 |
| Handshake | Healthy |
| Auth needed | None |
| Tool count | 3 |
| Latency | 214 ms |
| Last checked (UTC) | 2026-11-02T01:55:25.167Z |
| Checked (UTC) | Status | Latency | Error |
|---|---|---|---|
| 2026-11-02T01:55:25.167Z | Healthy | 214 |
calculate_401k_loan_cost | Runs the 401k.loans true-cost calculator: payment per paycheck and number of payments, total repaid and interest, pre-tax pay needed per payment, tax later on the interest, the 401(k) balance at payoff with and without the loan (growth gap) and that gap at 65, the legal and usual plan borrowing limi |
compare_401k_loan_alternatives | Prices four ways to raise the same cash with the 401k.loans comparison tool: 401(k) loan, hardship withdrawal (grossed up for tax and the 10% additional tax), personal loan (rate plus origination fee) and HELOC. For each: amount taken out, monthly payment, money gone for good (interest to others, fe |
calculate_401k_early_withdrawal | Runs the 401k.loans early withdrawal calculator for a cash-out or hardship withdrawal: amount taken out (or the gross needed to net a target), income tax at your marginal rates, the 10% additional tax, what you keep, what the plan withholds up front (20% mandatory, or 10% default for hardship), the |