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Evidence for your next connection.

Independent measurements of remote MCP servers. Every observation has a timestamp.

Read-only probes

MCP server · Payments & trading

401k.loans: 401(k) loan and withdrawal calculators

By 401k.loans Verified namespace

401(k) loan true cost, loan vs. withdrawal vs. personal loan vs. HELOC, early withdrawal tax.

WebsiteFinance & payments
Connect to 401k.loans: 401(k) loan and withdrawal calculators
Checks passed
13 / 22

1 failed · 8 not measured

Median response
167 ms

Median of successful probes over 7 days

30-day uptime
Not measured

Share of countable probes over 30 days, including daily rollups. Auth challenges are excluded.

Discovered tools
3

Tool definitions returned by this server

Independent monitoring

Health & checks

Status history

Outdated check

Last connection measurement is over 24 hours old. Current availability is unknown.

Last checked
Check summary by test group
Test areaPassedFailedUnmeasured
ConnectionCan a client connect and discover tools?
500
Reliability & speedDoes it respond consistently and quickly?
004
Access & authenticationWhat is required to use this server?
102
Tool qualityAre the tool definitions usable by an agent?
400
Publisher identityCan the publisher be traced to its source?
312

Unmeasured means there is not enough evidence to decide. How these checks work

Inspect individual checks 22 recorded

Core

  • Pass
    Reachable

    Latest probe returned HTTP 200 in 167 ms.

  • Pass
    Valid handshake

    protocolVersion 2025-11-25, serverInfo.name 401k-loans.

  • Pass
    Lists tools

    tools/list returned 3 tools.

  • Pass
    Current protocol

    Negotiated 2025-11-25. The bar is 2025-06-18 or newer.

  • Pass
    HTTPS

    The endpoint URL is https.

Performance

  • Not measured
    Fast (p50)

    Median latency 167 ms over 1 samples in 7 days. The bar is 1000 ms. Need at least 5 samples.

  • Not measured
    Consistent (p95)

    95th percentile 167 ms over 1 samples in 7 days. The bar is 3000 ms. Need at least 20 samples.

  • Not measured
    Reliable (uptime)

    1 of 1 attempts returned a tool list in 30 days (100%). The bar is 99%. Need at least 30 samples.

  • Not measured
    Stable tool list

    Fewer than two successful probes in 30 days, so tool-list stability is not measured.

Access

  • Pass
    Open access

    tools/list succeeded with no credential, and the record declares none.

  • Not measured
    Standard auth

    Auth is not required, so the OAuth metadata check does not apply.

  • Not measured
    Free tier cited

    No publisher quote has been checked.

Tools

  • Pass
    Tools described

    Every tool description is at least 20 characters.

  • Pass
    Valid input schemas

    Every inputSchema is a JSON Schema object.

  • Pass
    Parameters documented

    32 of 32 parameters have a description (100%). The bar is 80%.

  • Pass
    Safety hints

    Every tool sets readOnlyHint or destructiveHint.

Publisher

  • Pass
    Verified namespace

    Listed in the Official MCP Registry.

  • Pass
    Website matches publisher

    The website host matches the reverse-domain namespace.

  • Fail
    Source repo linked

    No repository URL is on file.

  • Not measured
    Repo owner matches

    This namespace is not an io.github login, so the owner comparison does not apply.

  • Pass
    Recently updated

    Updated 2026-11-01T22:10:27.712605Z, within 180 days.

  • Not measured
    Open-source licence

    No GitHub repository to ask about a licence.

Start using 401k.loans: 401(k) loan and withdrawal calculators

Connect to this server

Choose your client, copy the configuration, then enable the server in your client’s MCP settings.

Run this command in your terminal, then restart Claude Code.

Claude Code

claude mcp add --transport http 401k-loans-401-k-loan-and-withdrawal-calculators https://401k.loans/mcp

Capabilities

Tools 3

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 withholds up front (20% mandatory, or 10% default for hardship), the check amount, and the balance due or refund at filing.

Discovered
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 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.

Discovered
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 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.

Discovered

Recent measurements

Probe history

View status
Latest stored probes. Raw probe rows are kept for 14 days.
CheckedResultResponseTools
Connected167 ms3

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