Updated 2026-03-30

401(k) Loan Calculator

Calculate the true cost of borrowing from your 401(k) including missed market returns and opportunity cost

401(k) loans let you borrow up to $50,000 or 50% of your vested balance. While you repay yourself with interest, the real cost is the market growth your money misses while borrowed. Our calculator shows the total true cost.

Loan Rules

Maximum: Lesser of $50,000 or 50% of vested balance
Term: Up to 5 years (longer for home purchase)
Rate: Typically prime rate + 1-2%

Pavlo Pyskunov

Managing Director & Investment Fund Director

Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.

Last updated: 2026-03-30