# 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.

- Trust score: 69/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `401k.loans`: 69/100 (this document), [markdown](https://verifymcp.io/servers/loans-401k-401k-loans/401k.md), [page](https://verifymcp.io/servers/loans-401k-401k-loans/401k)

## Channel facts

- Endpoint: `https://401k.loans/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.2026.1101.1`

## Trust breakdown

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. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 74/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 54/100
  - AI-judged instruction clarity (good).
  - 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.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 13/100
  - Stability observed for 4 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 3 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 4 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### 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.

### Claude

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

### Cursor

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

### VS Code

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

### Codex

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

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "loans-401k-401k-loans": {
      "type": "remote",
      "url": "https://401k.loans/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add loans-401k-401k-loans --url 'https://401k.loans/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  loans-401k-401k-loans:
    url: "https://401k.loans/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "loans-401k-401k-loans": {
      "Transport": "http",
      "Url": "https://401k.loans/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add loans-401k-401k-loans -t streamable-http -u 'https://401k.loans/mcp'
```

### Other

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

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-04 (score 69, +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.

### 2026-11-03 (score 68, 0)

- [security] The server rewrote its instructions, which are the text every model session reads

### 2026-11-02 (score 68, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-11-01 (score 67)

First indexed and scored.

## MCP tools (3)

### `calculate_401k_loan_cost` (~491 tokens)

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.

Input parameters:

- `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, required): 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, required): 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.

### `compare_401k_loan_alternatives` (~581 tokens)

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.

Input parameters:

- `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, required): 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, required): Vested 401(k) balance in dollars, e.g. 60000.
- `years` (integer): Years to pay back, 1 to 5. Default 3.

### `calculate_401k_early_withdrawal` (~299 tokens)

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.

Input parameters:

- `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, required): 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.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/loans-401k-401k-loans/401k#diagnostics

## Score history

- 2026-11-05: 69
- 2026-11-04: 69
- 2026-11-03: 68
- 2026-11-02: 68
- 2026-11-01: 67

## Common questions

### 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.

## Links

- Remote endpoint: https://401k.loans/mcp
- Website: https://401k.loans/developers/
- Changelog RSS feed: https://verifymcp.io/servers/loans-401k-401k-loans/401k.xml
- Changelog JSON feed: https://verifymcp.io/servers/loans-401k-401k-loans/401k.json
- HTML version of this page: https://verifymcp.io/servers/loans-401k-401k-loans/401k