401(k) Loan Calculator

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%

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.