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401K Loan Calculator Empower . The empower participant experience and the retirement planner are separate tools and do not share data between each other. Calculators for loans, retirement planning, savings and more. BrunchMoney A financial guide to help you live your best life. from brunchmoneyfinance.com How it works participant • initiates a loan request online or by contacting a service center representative. This calculator helps you estimate how much of your savings you can afford to spend in retirement each year based on how long you want your savings to last. Borrowing from a 401 (k) thinking of taking a loan from your 401 (k) plan?