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

loans.401k由 401k.loans 發布官方發布者v1.2026.1101.1更新於 Nov 3, 2026

401(k)貸款的真實成本,貸款與提取、個人貸款、HELOC的比較,提前提取的稅費。

AI 翻譯由 AI 模型根據下方的原文描述翻譯,可能有誤。

原文描述

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

已驗證Streamable HTTP可網頁執行

概覽

401k.loans: 401(k) loan and withdrawal calculators 的託管 MCP 服務(401k.loans),由 401k.loans 發布;無需登入;Streamable HTTP;3 個工具。

暫無 AI 概覽:以下資訊來自註冊中心條目和服務本身。

發布者
401k.loans
端點
401k.loans
最近檢查

安裝

在 SourceWeft 中

  1. 開啟 儀表板中的 401k.loans: 401(k) loan and withdrawal calculators,將其新增到工作區。
  2. 為需要使用其工具的對話啟用該服務。

Web executable,透過 Streamable HTTP。 遠端服務在工作區中設定後即可從網頁執行環境執行。

交給代理程式安裝

把這段提示詞貼上到 Claude Code、Codex、Cursor 等代理程式,或 SourceWeft 對話中。代理程式會讀取該伺服器的安裝指南,先向你展示發布者、端點和登入方式,經你同意後再把它新增到你的客戶端。金鑰不會寫進任何命令。

閱讀 https://sourceweft.com/mcp/loans.401k%2F401k-loans/install.md,並按其中說明把這個 MCP 伺服器接入我的客戶端。修改任何設定之前,先告訴我它的發布者、端點和登入方式,等我確認。不要把 API 金鑰寫進命令或我會提交的檔案;問我金鑰應從哪裡取得。

檢視代理程式所依據的安裝指南

其他 MCP 客戶端

把它新增到你客戶端的 mcpServers 設定中。

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

工具

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.

輸入參數ageyearsloan_amount必填pay_frequencyplan_rate_pctstate_tax_pctvested_balance必填assumed_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.

輸入參數ageyearscash_needed必填plan_loan_feeplan_rate_pctstate_tax_pctheloc_rate_pctvested_balance必填penalty_exceptionassumed_return_pctfederal_bracket_pctheloc_closing_costs另有 2 個

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.

輸入參數modeamount必填hardshipstate_tax_pctfederal_bracket_pctadditional_10pct_tax_applies

版本歷史

1
  1. v1.2026.1101.1最新Nov 3, 2026

評分

已滿足適用檢查項的 83%

該評分衡量此收錄條目的完整程度,依據註冊中心條目、端點與公開來源計算得出。它不是對伺服器本身的評價,也不表示伺服器安全或目前可用:可連通性是帶日期的檢查結果,評分也不包含安裝量或使用者評價。

  • 近 30 天內可連通必需25 分
  • 已宣告認證方式必需10 分
  • 已列出工具必需15 分
  • 描述必需15 分
  • 圖示10 分
  • 文件15 分

    請宣告包含 README 的 GitHub 儲存庫,或在 OAuth 受保護資源後設資料中提供 resource_documentation。

  • 授權條款不適用

    託管服務按其提供方的條款使用,因此這裡不要求授權條款。此檢查項不計入百分比。