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401(k) Loan Calculator MCP server

Which MCP servers are 401(k) Loan Calculator's own, from the official registry and from asking its own domain, whether they answer, and what they offer. A program checked each of these, nobody copied them from a product page.

read 2026-11-01

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Whose server it is
  • Registry nameloans.401k/401k-loansverified in the MCP registry

The registry name sits under 401k.loans. The registry only lets a publisher use that namespace after proving control of the domain through DNS or HTTP.

When we asked itchecked 2026-11-01
  • Stateanswerschecked 2026-11-01
  • Tools3
  • Server calls itself401k-loans
  • Server version1.0.0
  • Protocol version2025-06-18

On 2026-11-01 the server answered initialize and tools/list without a sign-in. First answer in 469 ms.

Should an agent connect itNot proven either way yet
  • Its tools do every use case we checked: estimate the monthly payment on a 401(k) loan; measure retirement growth lost while a loan is outstanding.
  • Checked on 2 of the 7 days it takes to judge reliability.

Once connected

  • For "estimate the monthly payment on a 401(k) loan", the likely first call is calculate_401k_loan_cost.
  • For "measure retirement growth lost while a loan is outstanding", the likely first call is calculate_401k_loan_cost.

Said by rules from the measurements above. The likely first call is a model's pick from the tool list; read its description before relying on it.

Measured dailydaily checks: 2, the first on 2026-11-01
  • INITE MCP scoreafter a weeka score needs 7 daily checks: 2 so far
  • What an agent can do with it2 of 2 use cases
  • Answeredmeasuring2 of the 7 daily checks it takes to print a share
  • Median first answer252 ms
  • Space in an agent's context≈ 1,782 tokensthe definitions of all its tools (3), which an agent carries on every turn
  • Tool definitionsA · 100 of 100
  • Typed results0 of 3 toolsdeclared outputSchema: results come typed, read once
  • Every tool passes all six checks.

What an agent can do with it

  • can do · estimate the monthly payment on a 401(k) loan
  • can do · measure retirement growth lost while a loan is outstanding
  • not sure · check the tax owed if they leave before repaying

Each of the product's use cases, put to Jev against this server's tool list: can an agent do it with these tools?

Worth a look

None of the five warning signs in these definitions.

A program checks the server once a day: initialize and tools/list, no model. Tokens are the definitions' length at about four characters a token. The grade averages six checks of every tool's name, description, schema and annotations; it says how well the tools are described, not whether they work. The score weighs what was measured and nothing else: answering (25%), doing the product's job (25%), definitions (20%), context (10%), use (10%) and how readily a client connects (10%). A part that was not measured is left out, and a hidden instruction caps the score at 40. The state of vendors' MCP servers: method and numbers →

Tools it offers3 tools · read 2026-11-01
  • 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…

  • 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…

  • 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…

How to connect

Add the server to your MCP client config. Claude Desktop, Cursor and most other clients read this shape:

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

Add it

Claude Code, in a terminal

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

Add to CursorAdd to VS Code

claude.ai, ChatGPT and other clients: add https://401k.loans/mcp as a custom connector in the settings.

Each line is something a program found when it went looking: the registry entry, the server's own answer, a spec that parses. A missing line means we did not find it, not that it does not exist.