401k.loans: 401(k) loan and withdrawal calculators
REMOTE · 401K.LOANS
401(k) loan true cost, loan vs. withdrawal vs. personal loan vs. HELOC, early withdrawal tax.
Available components
Last scanned (4 hours ago)
Scores higher than 54% of remote servers
Reachable. Last reached 5 Nov 2026.
Category Finance and Payments
How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score → Why this is hard to score →
Endpoint Security74
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- HSTS check failed: the Strict-Transport-Security header is absent. See how to fix → View diagnostics → Fail
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability54
- AI-judged instruction clarity (good).Pass
- Context-footprint check failed: tool/resource definitions use about 1740 tokens (~580/item across 3 items; 3 tools + 0 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management13
- Stability observed for 4 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage100
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 100% of tool parameters carry a description.Pass
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 3 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 4 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a current MCP spec version (2026-07-28).Pass
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 4 Nov 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.
- 3 Nov 26 0
- The server rewrote its instructions, which are the text every model session reads security
- 2 Nov 26 +1
- Stability: unverified → 0.03 ▲ functional
- 1 Nov 26 67
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 5 Nov 2026 · Probed https://401k.loans/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=401k.loans | CN=WE1,O=Google Trust Services,C=US | 24 Oct 2026 | 22 Jan 2027 | ECDSA 256 | ECDSA-SHA256 | a6f3d5e3a34910a90ee00ab5365d15ce |
| SANs: 401k.loans | ||||||
| CN=WE1,O=Google Trust Services,C=US (CA) | CN=GTS Root R4,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | ECDSA 256 | ECDSA-SHA384 | 7ff31977972c224a76155d13b6d685e3 |
| CN=GTS Root R4,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 15 Nov 2023 | 28 Jan 2028 | ECDSA 384 | SHA256-RSA | 7fe530bf331343bedd821610493d8a1b |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of 401k.loans. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| loans. | present | 19444, 42307 | 8, 8 | Verified |
| 401k.loans. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://401k.loans/mcp | Verified | 200 | |
| http (plaintext) | http://401k.loans/mcp | HTTPS enforced | 301 | https://401k.loans/mcp |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
calculate_401k_early_withdrawal 401(k) early withdrawal tax and penalty ~299
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.
| Name | Type | Req | Description |
|---|---|---|---|
| additional_10pct_tax_applies | boolean | – | true if you are under 59.5 and no exception applies, so the 10% additional tax is due. Default true. |
| amount | number | yes | Dollar amount, e.g. 20000. See mode. |
| federal_bracket_pct | integer | – | 2026 federal income tax bracket in percent (Rev. Proc. 2025-32): 10, 12, 22, 24, 32, 35 or 37. |
| hardship | boolean | – | true for a hardship withdrawal (10% default withholding instead of the 20% that applies to most other withdrawals). Default false. |
| mode | string | – | "gross" = amount is what you take out of the plan; "net" = amount is what you need in hand after tax. Default gross. |
| state_tax_pct | number | – | State income tax rate in percent, 0 to 15. Default 0. |
No output schema declared.
No examples provided.
calculate_401k_loan_cost True cost of a 401(k) loan ~491
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.
| Name | Type | Req | Description |
|---|---|---|---|
| age | number | – | Your age today, 18 to 80. Default 40. |
| assumed_return_pct | number | – | Annual return you assume the 401(k) would earn, in percent (-20 to 20). An assumption, not a forecast. Default 6. |
| federal_bracket_pct | integer | – | 2026 federal income tax bracket in percent (Rev. Proc. 2025-32): 10, 12, 22, 24, 32, 35 or 37. |
| leave_job_after_months | integer | – | Model leaving the job after this many months (0 = do not model it). Default 24, as on the page. |
| loan_amount | number | yes | Amount to borrow in dollars, e.g. 15000. |
| lost_match_per_paycheck | number | – | Employer match you would lose with them, dollars per paycheck. Default 0. |
| paused_contribution_per_paycheck | number | – | Your own 401(k) contributions you would stop while repaying, dollars per paycheck. Default 0. |
| pay_frequency | string | – | How often you are paid (one loan payment per paycheck). Default biweekly. |
| plan_rate_pct | number | – | Plan loan interest rate in percent, 0 to 20. Default: the prime rate plus 1 point, as an example; the real rate is on your plan's loan paperwork. |
| state_tax_pct | number | – | State income tax rate in percent, 0 to 15. Default 0. |
| vested_balance | number | yes | Vested 401(k) balance in dollars, e.g. 60000. |
| years | integer | – | Years to repay: 1 to 5, or 10 or 15 for a loan to buy your main home. Default 5. |
No output schema declared.
No examples provided.
compare_401k_loan_alternatives Compare a 401(k) loan with a hardship withdrawal, personal loan and HELOC ~581
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.
| Name | Type | Req | Description |
|---|---|---|---|
| age | number | – | Your age today, 18 to 80. Default 40. |
| assumed_return_pct | number | – | Annual return you assume the 401(k) would earn, in percent (-20 to 20). An assumption, not a forecast. Default 6. |
| cash_needed | number | yes | Cash you need in hand, in dollars, e.g. 10000. |
| federal_bracket_pct | integer | – | 2026 federal income tax bracket in percent (Rev. Proc. 2025-32): 10, 12, 22, 24, 32, 35 or 37. |
| heloc_closing_costs | number | – | HELOC closing costs in dollars. Default 0. |
| heloc_rate_pct | number | – | HELOC rate in percent, 0 to 20. Default: the prime rate alone, before the margin a lender adds. |
| origination_fee_pct | number | – | Personal loan origination fee in percent of the loan, 0 to 12. Default 0. |
| penalty_exception | boolean | – | true if an exception to the 10% early withdrawal tax applies (for example, you left this employer in or after the year you turned 55). The 10% is never applied at 59.5 or older. Default false. |
| personal_loan_rate_pct | number | – | Personal loan interest rate in percent (not the APR), 0 to 36. Default 11.9, the Federal Reserve G.19 average on 24-month bank loans (Q3 2026). |
| plan_loan_fee | number | – | Flat 401(k) loan fee in dollars. Default 0. |
| plan_rate_pct | number | – | 401(k) plan loan rate in percent, 0 to 20. Default: the prime rate plus 1 point, as an example. |
| state_tax_pct | number | – | State income tax rate in percent, 0 to 15. Default 0. |
| vested_balance | number | yes | Vested 401(k) balance in dollars, e.g. 60000. |
| years | integer | – | Years to pay back, 1 to 5. Default 3. |
No output schema declared.
No examples provided.
How do I install the 401k.loans: 401(k) loan and withdrawal calculators MCP server?
401k.loans: 401(k) loan and withdrawal calculators is a hosted endpoint at https://401k.loans/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.
remote · 401k.loans
claude mcp add --transport http loans-401k-401k-loans 'https://401k.loans/mcp'
What is the 401k.loans: 401(k) loan and withdrawal calculators MCP server?
401k.loans: 401(k) loan and withdrawal calculators is an MCP server listed in the public MCP registry as loans.401k/401k-loans. 401(k) loan true cost, loan vs. withdrawal vs. personal loan vs. HELOC, early withdrawal tax. This page covers its hosted endpoint (https://401k.loans/mcp).
Is the 401k.loans: 401(k) loan and withdrawal calculators MCP server safe to use?
401k.loans: 401(k) loan and withdrawal calculators scores 69 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.
What tools does the 401k.loans: 401(k) loan and withdrawal calculators MCP server expose?
401k.loans: 401(k) loan and withdrawal calculators exposes 3 tools: calculate_401k_loan_cost, compare_401k_loan_alternatives, calculate_401k_early_withdrawal. Their descriptions and schemas cost roughly 1,371 tokens of context every time the server is loaded.
Does the 401k.loans: 401(k) loan and withdrawal calculators MCP server require authentication?
No. We connected to 401k.loans: 401(k) loan and withdrawal calculators without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the 401k.loans: 401(k) loan and withdrawal calculators MCP server still maintained?
401k.loans: 401(k) loan and withdrawal calculators is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.