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401(k) loan max — $40,000 vested → $20,000

IRC §72(p): lesser of $50,000 and the greater of $10,000 or 50% of your vested balance (not more than vested).

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401(k) Loan Maximum Calculator United States

IRS plan-loan FAQs: the plan may allow up to the lesser of $50,000 and the greater of $10,000 or 50% of your vested balance. You cannot borrow more than you have vested.

§72(p) maximum

max = min($50,000, vested, max($10,000, 50% × vested))

Worked example

Vested $40,000 → 50% = $20,000 → $20,000 (IRS example).

Related: 401(k) deferral limit, paycheck.

Not tax advice

Outstanding loans and the usual 5-year term are out of scope. Your plan may be stricter.

Official sources

Lesser of $50,000 and the greater of $10,000 or 50% vested. $40,000 vested → $20,000.

Not in this version.

No.