{
  "name": "401k-loans",
  "title": "401k.loans: 401(k) loan and withdrawal calculators",
  "description": "Free, read-only MCP server that runs the 401k.loans calculators on your numbers: the true cost of a 401(k) loan (payment per paycheck, interest, lost growth at payoff and at 65, the legal borrowing limit, and the tax bill if you leave your job before it is repaid), a side-by-side of a 401(k) loan, hardship withdrawal, personal loan and HELOC, and the tax, 10% additional tax and withholding on an early withdrawal. Same formulas and defaults as the site; rules cite the Internal Revenue Code and prefilled rates cite the Federal Reserve. No authentication.",
  "registryDescription": "401(k) loan true cost, loan vs. withdrawal vs. personal loan vs. HELOC, early withdrawal tax.",
  "version": "1.0.0",
  "url": "https://401k.loans/mcp",
  "transport": {
    "type": "streamable-http",
    "url": "https://401k.loans/mcp"
  },
  "remotes": [
    {
      "type": "streamable-http",
      "url": "https://401k.loans/mcp"
    }
  ],
  "authentication": {
    "type": "none",
    "required": false
  },
  "protocolVersions": [
    "2026-07-28",
    "2025-11-25",
    "2025-06-18",
    "2025-03-26",
    "2024-11-05"
  ],
  "capabilities": {
    "tools": {
      "listChanged": false
    }
  },
  "tools": [
    {
      "name": "calculate_401k_loan_cost",
      "title": "True cost of a 401(k) loan",
      "description": "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.",
      "readOnly": true
    },
    {
      "name": "compare_401k_loan_alternatives",
      "title": "Compare a 401(k) loan with a hardship withdrawal, personal loan and HELOC",
      "description": "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.",
      "readOnly": true
    },
    {
      "name": "calculate_401k_early_withdrawal",
      "title": "401(k) early withdrawal tax and penalty",
      "description": "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.",
      "readOnly": true
    }
  ],
  "documentation": "https://401k.loans/developers/",
  "websiteUrl": "https://401k.loans/developers/",
  "publisher": {
    "name": "401k.loans",
    "url": "https://401k.loans/",
    "contact": "hello@401k.loans"
  },
  "privacyPolicy": "https://401k.loans/privacy/",
  "termsOfService": "https://401k.loans/terms/",
  "license": "Free to use; results are estimates from your inputs, not tax advice. Credit \"401k.loans\" with a link when you publish a result.",
  "icon": "https://401k.loans/icon-512.png"
}