Model Context Protocol (MCP) server for freee API integration
Nothing to run from here
401k.loans: 401(k) loan and withdrawal calculators is installed from its publisher's own source and answers where it runs, so this marketplace is not in the path of a single call. There is no address here to send one to, and a panel that pretended otherwise would be showing you an answer we made up. Install it and call it from your own client — the Installation tab has the entry for each one.
96/100
tool-list score
3
tools declared
remote
at its publisher
—
calls last 7d
What it does
401(k) loan true cost, loan vs. withdrawal vs. personal loan vs. HELOC, early withdrawal tax.
Quickstart
# 1 — add it to Claude Code
claude mcp add --scope user --transport http 401k-loans-401-k-loan-and-withdrawal-calculat-mcp https://401k.loans/mcp
# 2 — ask your agent for something these tools do
# calculate_401k_loan_cost, compare_401k_loan_alternatives, calculate_401k_early_withdrawal
401k.loans: 401(k) loan and withdrawal calculators costs nothing on mcprush: there is no plan to choose here, no cap to set and nothing mcprush can bill you for.
Publishernot claimed
40All 1 server
401k1 server
1 category
Collected from a public index. Nobody has claimed this account, so nothing here was written by its author — claim it if it is yours.
Installation
Where are you running it?
Every route below installs the same thing and ends at the same approval screen. Nothing here runs on your machine and nothing runs on ours: this server answers at its publisher’s own address, and what you install is the connection straight to it.
Claude Codedeclared by this listing
This is a public server: it answers at its publisher’s own address and this marketplace is not in the path. Claude Code registers it in one command; --scope user makes it available in every project. The transport below is http, as the publisher's own manifest declares it.
claude mcp add --scope user --transport http 401k-loans-401-k-loan-and-withdrawal-calculat-mcp https://401k.loans/mcpReconnect, or start a new session, and the tools appear in the model’s tool list.
Free on mcprush, and it answers at its publisher’s own address: this marketplace is not in the path, so there is no key of ours to hold and no card to add.
What it writes
One config entry pointing straight at the publisher’s own address — this marketplace is not in the path, and nothing from this listing executes on your machine.
What you approve
3 tools, with what each one reads, writes and reaches shown before you agree — the same list on every route above. Read the tool surface.
Tool surface
What the model actually sees. Descriptions are diffed on every release — see version history.
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
| Parameter | Type | Required | Notes |
|---|---|---|---|
| vested_balance | number | yes | Vested 401(k) balance in dollars, e.g. 60000. |
| loan_amount | number | yes | Amount to borrow in dollars, e.g. 15000. |
| plan_rate_pct | number | no | Plan loan interest rate in percent, 0 to 20. Default: the prime rate plus 1 point, as an example; the real rate is on your plan's loan paperwork. |
| years | integer | no | Years to repay: 1 to 5, or 10 or 15 for a loan to buy your main home. Default 5. |
| pay_frequency | string | no | How often you are paid (one loan payment per paycheck). Default biweekly. |
| age | number | no | Your age today, 18 to 80. Default 40. |
| federal_bracket_pct | integer | no | 2026 federal income tax bracket in percent (Rev. Proc. 2025-32): 10, 12, 22, 24, 32, 35 or 37. |
| state_tax_pct | number | no | State income tax rate in percent, 0 to 15. Default 0. |
| assumed_return_pct | number | no | Annual return you assume the 401(k) would earn, in percent (-20 to 20). An assumption, not a forecast. Default 6. |
| paused_contribution_per_paycheck | number | no | Your own 401(k) contributions you would stop while repaying, dollars per paycheck. Default 0. |
| lost_match_per_paycheck | number | no | Employer match you would lose with them, dollars per paycheck. Default 0. |
| leave_job_after_months | integer | no | Model leaving the job after this many months (0 = do not model it). Default 24, as on the page. |
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
| Parameter | Type | Required | Notes |
|---|---|---|---|
| cash_needed | number | yes | Cash you need in hand, in dollars, e.g. 10000. |
| vested_balance | number | yes | Vested 401(k) balance in dollars, e.g. 60000. |
| years | integer | no | Years to pay back, 1 to 5. Default 3. |
| age | number | no | Your age today, 18 to 80. Default 40. |
| federal_bracket_pct | integer | no | 2026 federal income tax bracket in percent (Rev. Proc. 2025-32): 10, 12, 22, 24, 32, 35 or 37. |
| state_tax_pct | number | no | State income tax rate in percent, 0 to 15. Default 0. |
| assumed_return_pct | number | no | Annual return you assume the 401(k) would earn, in percent (-20 to 20). An assumption, not a forecast. Default 6. |
| penalty_exception | boolean | no | true if an exception to the 10% early withdrawal tax applies (for example, you left this employer in or after the year you turned 55). The 10% is never applied at 59.5 or older. Default false. |
| plan_rate_pct | number | no | 401(k) plan loan rate in percent, 0 to 20. Default: the prime rate plus 1 point, as an example. |
| plan_loan_fee | number | no | Flat 401(k) loan fee in dollars. Default 0. |
| personal_loan_rate_pct | number | no | Personal loan interest rate in percent (not the APR), 0 to 36. Default 11.9, the Federal Reserve G.19 average on 24-month bank loans (Q3 2026). |
| origination_fee_pct | number | no | Personal loan origination fee in percent of the loan, 0 to 12. Default 0. |
| heloc_rate_pct | number | no | HELOC rate in percent, 0 to 20. Default: the prime rate alone, before the margin a lender adds. |
| heloc_closing_costs | number | no | HELOC closing costs in dollars. Default 0. |
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.
| Parameter | Type | Required | Notes |
|---|---|---|---|
| amount | number | yes | Dollar amount, e.g. 20000. See mode. |
| mode | string | no | "gross" = amount is what you take out of the plan; "net" = amount is what you need in hand after tax. Default gross. |
| federal_bracket_pct | integer | no | 2026 federal income tax bracket in percent (Rev. Proc. 2025-32): 10, 12, 22, 24, 32, 35 or 37. |
| state_tax_pct | number | no | State income tax rate in percent, 0 to 15. Default 0. |
| additional_10pct_tax_applies | boolean | no | true if you are under 59.5 and no exception applies, so the 10% additional tax is due. Default true. |
| hardship | boolean | no | true for a hardship withdrawal (10% default withholding instead of the 20% that applies to most other withdrawals). Default false. |
Free
$0 forever
- Every tool — any call limit is its publisher’s, not ours
- No card, and mcprush charges nothing for it
- Runs at its publisher’s own address — this marketplace is not in the path
- Nothing to cap, because mcprush bills nothing
What counts against your monthly calls
| Tool | Unit | Calls used | Out of the allowance |
|---|
Nothing here is billable: mcprush charges nothing to install 401k.loans: 401(k) loan and withdrawal calculators or to call it, at any volume.
Call allowance · this installenforced at the gateway
Monthly allowance, in calls
—
—
Alert at 80% · then the tool returns a normal MCP error
Used this month: —
ATool-list grade · score 96 / 100
Release 1.2026.1101.1 · scanned 2 Nov 2026
Graded from the tools this server lists, not from its source code.
Two independent axes, because powerful and malicious are different questions. The grade is threat only. The capability level is blast radius, and it is never a penalty on the grade — it is priced as one subtract-only term in the score, where you can see it.
Threat score100
Client score96
Findings0 threat · 0 capability
Capabilityminimal
Coveragemanifest
Verificationnot in this report
Surface digestb65af611908b5976286112712b88025f304cafe294d7dc229d510966477a35a8
Score vectorthreat 100 → client 96
| Term | Level | What it prices | Points |
|---|---|---|---|
| capability-exposure | minimal | capability blast radius (minimal) — client exposure if the model is manipulated | −0 |
| coverage-honesty | manifest | inspection depth (manifest) — how much of the target the scan could see | −4 |
score = clamp(round(threatScore − E_cap − E_ver − E_cov), 0, 100). No model, no opinion, no network call at scoring time: the same methodology version against the same bytes always produces this number, and every line above is a field of the report rather than a summary of it.
What the scan could actually read
A grade is only as meaningful as its coverage, so the scanner publishes its own depth before it publishes its result.
The scan read each tool’s name, description, input schema and annotations exactly as the server listed them the last time it answered us; no code was reviewed. We ask the server again about once a month, and a list that changed is graded again.
Tool surfaceread
Implementation sourcenot available
Package metadatanot available
Live transportnot available
The implementation source was not read — this reflects the declared tool metadata only.
Capability — what it could do if the model were manipulated
Tags derived from each tool’s schema and the implementation, not from what the tool calls itself. minimal is the level these add up to.
| Tool | Capability tags | Why the tag was assigned |
|---|---|---|
| calculate_401k_loan_cost | no tags | |
| compare_401k_loan_alternatives | no tags | |
| calculate_401k_early_withdrawal | no tags |
Toxic-flow graph
The lethal trifecta, checked as a graph rather than as a checklist: untrusted input, a sensitive source and an external sink have to meet before there is a path worth worrying about.
The public result for this release does not print the flow graph, so there is nothing to show here. That is not the same as "no paths were found": what the scan did read is above, under coverage.
Supply chain and provenance
Integrityfirst-seen
Surface digestb65af611908b5976
Scanned2026-11-02
This is the first scan of this surface here, so there is nothing yet to compare it against.
Every result on this tab comes from one deterministic pass over the published package — offline, rule by rule, and auditable line by line above. Same methodology version, same bytes, same score.
Release history
This is an address its publisher runs: which release it serves is theirs to choose, so there is nothing here to pin. The history below is for reading; the current release on file is 1.2026.1101.1.
1.2026.1101.1
undated
latestNo release note was published with this version.
—
no reviews yet
Who can review
One review per account, from a signed-in account that does not publish this listing. Nothing else is asked — you can say what you think before you install it. Publishers can reply once per review, and a review can be edited or deleted by whoever wrote it.
Sign in to write one
Any signed-in account that does not publish 401k.loans: 401(k) loan and withdrawal calculators can review it, once — before installing it or after. A review from an account that has installed it is marked as one.
No reviews yet
Nobody has reviewed this listing. The rating on the card is the mean of the reviews written here and nothing else, so there is no rating until somebody writes the first — which takes a signed-in account that does not publish it, and nothing else.