# 401(k) Loan Calculator (401k.loans)

Models the growth you give up, after-tax repayments, and offset tax when you borrow from a 401(k).

- Atlas card: https://inite.ai/en/atlas/401k.loans
- Site: https://401k.loans
- For: people weighing a loan from their 401(k) against other borrowing options
- Categories: finance
- Use not measured/100 · alive 100/100

## Used for

- estimate the monthly payment on a 401(k) loan
- measure retirement growth lost while a loan is outstanding
- check the tax owed if they leave before repaying

## Price

Not read yet.

## For developers

- MCP server: loans.401k/401k-loans (namespace; open on 2026-11-01, 3 tools)
- MCP server card: https://401k.loans/.well-known/mcp.json
- Read 2026-11-01

## MCP server, measured daily

Server: https://401k.loans/mcp, checked every day since 2026-11-01 (1 checks).

- Answered: measuring, 1 daily checks so far
- Median first answer: 187 ms
- Sign-in: none
- Context its tool definitions take: about 1782 tokens (3 tools)
- Tool definitions: A, 100/100
- Method: https://inite.ai/en/atlas/mcp/report

## Your data

- Certifications stated: none
- Read 2026-11-01

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Source: INITE Atlas, https://inite.ai/en/atlas/401k.loans. JSON: https://inite.ai/api/atlas/401k.loans. MCP: https://inite.ai/api/mcp (atlas_lookup).