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

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How to connect

Add it to any MCP client that supports remote servers.

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

3 tools

• 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…

• 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…

• 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%…

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