401k.loans: 401(k) loan and withdrawal calculators

loans.401kPublished by 401k.loansOfficial publisherv1.2026.1101.1Updated Nov 3, 2026

401(k) loan true cost, loan vs. withdrawal vs. personal loan vs. HELOC, early withdrawal tax.

VerifiedStreamable HTTPWeb executable

Overview

401k.loans: 401(k) loan and withdrawal calculators's hosted MCP server (401k.loans), published by 401k.loans; no sign-in required; Streamable HTTP; 3 tools.

No AI overview yet: these facts come from the registry entry and the server itself.

Publisher
401k.loans
Endpoint
401k.loans
Last checked

Installation

In SourceWeft

  1. Open 401k.loans: 401(k) loan and withdrawal calculators in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/loans.401k%2F401k-loans/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config.

{
  "mcpServers": {
    "401k-loans-401-k-loan-and-withdrawal-cal": {
      "type": "http",
      "url": "https://401k.loans/mcp"
    }
  }
}

Tools

3

calculate_401k_loan_cost

True cost of a 401(k) loan

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 limits, and, if you might leave the job, the balance owed then plus the tax and 10% additional tax if it is not repaid or rolled over.

Parametersageyearsloan_amountrequiredpay_frequencyplan_rate_pctstate_tax_pctvested_balancerequiredassumed_return_pctfederal_bracket_pctleave_job_after_monthslost_match_per_paycheckpaused_contribution_per_paycheck

compare_401k_loan_alternatives

Compare a 401(k) loan with a hardship withdrawal, personal loan and HELOC

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, fees, tax, penalty), interest paid back to yourself, how much smaller the 401(k) is at term end and at 65, and whether it is allowed.

Parametersageyearscash_neededrequiredplan_loan_feeplan_rate_pctstate_tax_pctheloc_rate_pctvested_balancerequiredpenalty_exceptionassumed_return_pctfederal_bracket_pctheloc_closing_costs+2 more

calculate_401k_early_withdrawal

401(k) early withdrawal tax and penalty

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 check amount, and the balance due or refund at filing.

Parametersmodeamountrequiredhardshipstate_tax_pctfederal_bracket_pctadditional_10pct_tax_applies

Version history

1
  1. v1.2026.1101.1LatestNov 3, 2026

Score

83% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 daysRequired25 pts
  • Auth declaredRequired10 pts
  • Tools listedRequired15 pts
  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts

    Declare a GitHub repository with a README, or serve resource_documentation in the OAuth protected-resource metadata.

  • LicenseNot applicable

    A hosted service is used under its provider's terms, so no license is expected here. This check is left out of the percentage.