401(k) loan true cost, loan vs. withdrawal vs. personal loan vs. HELOC, early withdrawal tax.
Scored across 3 tools
The three tools have distinct primary purposes: single early withdrawal, single loan cost, and four-way comparison. The comparison tool overlaps with both single-scenario tools because it prices withdrawal and loan options, so an agent could occasionally hesitate between the specific calculator and the comparison.
All tool names use snake_case and follow a predictable verb_noun pattern: calculate_401k_early_withdrawal, calculate_401k_loan_cost, and compare_401k_loan_alternatives. The shared '401k' resource segment makes the naming clear and consistent.
Three tools is well-scoped for a focused 401(k) loan and withdrawal calculator server. Each tool covers a distinct calculation mode and earns its place without unnecessary surface area.
The surface covers early withdrawals, loan costs, and comparison against alternatives, including tax, penalties, limits, and growth impact. Minor gaps remain around standalone plan-rule checks or detailed repayment scheduling, but the core calculator domain is well covered.
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.
Inputs: amount (required), mode, hardship, state_tax_pct, +2 more.
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.
Inputs: loan_amount (required), vested_balance (required), age, years, +8 more.
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.
Inputs: cash_needed (required), vested_balance (required), age, years, +10 more.
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