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

by 401k Your server? Claim it

answering

401k.loans: 401(k) loan and withdrawal calculators is answering right now. Last checked 8 min ago. It exposes 3 tools.

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

Uptime history 7 days of history

7 days agonow

100.0%

Uptime 24h

91 of 91 checks

Tools

read from the server

252 ms

Response time

average over 24h

open, no key

Access

streamable-http

Nothing serious here today

Today is the operative word: we check 401k.loans: 401(k) loan and withdrawal calculators every 15 minutes and re-read its code on every release. Watch it and you find out the day that stops being true.

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 8 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add 401k-loans --transport http https://401k.loans/mcp

Settings → Connectors → Add custom connector, then paste this address

https://401k.loans/mcp

~/.codex/config.toml

[mcp_servers.401k-loans]
url = "https://401k.loans/mcp"

.cursor/mcp.json

{
  "mcpServers": {
    "401k-loans": {
      "url": "https://401k.loans/mcp"
    }
  }
}

.vscode/mcp.json

{
  "servers": {
    "401k-loans": {
      "type": "http",
      "url": "https://401k.loans/mcp"
    }
  }
}

Available tools 3

Read directly from the server with tools/list, grouped by what they act on. If a tool disappears, we record the date.

calculate

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

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 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.

compare

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, 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.

Endpoints

URL	Transport	State	Latency	Checked
https://401k.loans/mcp	streamable-http	answering	184 ms	8 min ago

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

Answers built from our own checks of this server.

What can 401k.loans: 401(k) loan and withdrawal calculators do?

It exposes 3 tools, read directly from the server on our last check. Among them: calculate_401k_early_withdrawal, calculate_401k_loan_cost, compare_401k_loan_alternatives. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README. How MCP servers expose tools in the first place →

Is 401k.loans: 401(k) loan and withdrawal calculators working right now?

We send a real MCP handshake every 15 minutes. Over the last 24 hours 91 of 91 checks got a reply (100.0%), average response time 252 ms. The bar chart above shows every period we have measured.

How do I connect 401k.loans: 401(k) loan and withdrawal calculators?

Copy the ready config from this page. We generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each in the form that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.

Does 401k.loans: 401(k) loan and withdrawal calculators need an API key?

No. 401k.loans: 401(k) loan and withdrawal calculators completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 3 of them are readable on this page. This is what we observed, not what the docs claim.

How fast is 401k.loans: 401(k) loan and withdrawal calculators?

It answers our handshake in 252 ms on average, which is faster than 57% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.