401k.loans
Compare the true cost of a 401(k) loan, hardship withdrawal, personal loan or HELOC before you borrow.
Calculators for 401(k) loans and withdrawals. Shows the payment per paycheck, total interest, the tax owed and the 401(k) balance lost to growth at 65. Compares a 401(k) loan with a hardship withdrawal, personal loan and HELOC for the same cash. Models early withdrawal tax, the 10% additional tax, and what happens if you leave the job before repaying.
Try asking Muse: "Should I borrow from my 401(k) or take a personal loan to cover a $10,000 roof repair?"
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Source: Found in the official MCP Registry (loans.401k/401k-loans) · First listed November 1, 2026
Last 24 hours
Each bar is one check, every 15 minutes. Green means it answered. Last checked 2 h ago.
Is it safe to connect?
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How to add it to Muse
Not in Muse's Connectors list yet, but Muse can still use it. Copy the request below and paste it into Muse. Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
https://401k.loans/mcpNot in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
Also use it in ChatGPT or Claude
401k.loans is a remote MCP server, so any assistant that can add a custom connector by link can use it. Same link, same tools.
Add it to ChatGPT
- 1
Open ChatGPT settings
In ChatGPT, open Settings, then Connectors (called Apps & Connectors on some accounts).
- 2
Turn on developer mode
Under Advanced settings, switch on Developer mode. That is what lets you add a connector by link.
- 3
Create the connector
Choose Create, give it a name, paste the link as the MCP server URL, and save. If it needs a sign-in, ChatGPT asks for it here.
- 4
Use it in a chat
Start a chat, open the tools menu, pick the connector, and ask. ChatGPT asks before it runs a tool the first time.
Custom connectors need a paid ChatGPT plan, and on Team, Enterprise and Edu accounts only an admin can add them. Our "Working" label means the server answered us; it cannot tell whether your plan lets you add it. All connectors that work in ChatGPT
Add it to Claude
- 1
Open Claude settings
In Claude, open Settings, then Connectors.
- 2
Add a custom connector
Choose Add custom connector, give it a name, and paste the link.
- 3
Connect and use it
If it needs a sign-in, Claude sends you to it. Then turn the connector on in a chat from the tools menu and ask.
Custom connectors are available on paid Claude plans; on Team and Enterprise accounts an admin may need to add them. Our "Working" label means the server answered us; it cannot tell whether your plan lets you add it. All connectors that work in Claude
https://401k.loans/mcpWhat people ask Muse to do
Technical details: safety screening, tools, response time and recent checks
Response time at the last check: 346ms. Worked in n/a of checks over 30 days.
Screening · November 1, 2026
Screened, no issues found
Screening looks for known threats and hidden instructions at the time of the check, and runs again weekly and whenever the tool list changes. It cannot see the server's code, so only connect what you need and review what Muse asks to do. How screening works.
Tools · 3
calculate_401k_loan_costRuns 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 usualcompare_401k_loan_alternativesPrices 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 (incalculate_401k_early_withdrawalRuns 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% defaultLink
https://401k.loans/mcpQuestions about 401k.loans in Muse
How do I connect 401k.loans to Muse?
Not in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use 401k.loans to help me. It is a free service with an MCP server at https://401k.loans/mcp. It does not need an API key. Ask me before you share anything with it." Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
Is 401k.loans working right now?
At the last check (November 1, 2026, 22:11 UTC) the endpoint was working, answering in 346ms. It is checked every 15 minutes.
Is 401k.loans safe to connect to Muse?
It was screened on November 1, 2026 with the result "screened, no issues found". Screening checks the domain against threat feeds and reads the tools for hidden instructions and requests for passwords or card numbers. It cannot see the server's code, so grant only the access you need.
What can 401k.loans do in Muse?
It exposes 3 tools, including calculate_401k_loan_cost, compare_401k_loan_alternatives, calculate_401k_early_withdrawal. For example, you could ask Muse: "Should I borrow from my 401(k) or take a personal loan to cover a $10,000 roof repair?"
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This listing was added from public sources (Found in the official MCP Registry (loans.401k/401k-loans)). If you build 401k.loans, claim it to correct the details and get your badge.
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<a href="https://musedirectory.ai/connector/401k-loans"><img src="https://musedirectory.ai/badge/401k-loans.svg" alt="401k.loans on musedirectory.ai" width="236" height="40"></a>