Calculate Car loan table. How much of a monthly payment (EMI) go to interest and how much go to principal

generate_loan_table.py

P = 34689.96
term = 60

def generate_loan_table(P, term, interest_rate=0.0702):

    def calc_emi(P, n, interest_rate):
        r = interest_rate / 12
        numerator = (r *((1 + r)**(n)) )
        denominator = ((1 + r)**(n)) - 1
        emi = P * (numerator / denominator)
        emi = np.round(emi, 2)
        return(emi)
    
    def calc_interest(P, emi, interest_rate):
        i_paid = np.floor(((interest_rate/12)*P)*100)/100
        p_paid = np.round(emi - i_paid, 2)
        new_p = np.round(P - p_paid,2)
        return(emi, i_paid, p_paid, new_p)

    emi = calc_emi(P, term, interest_rate)
    payment_list = []
    
    for n in range(1, term + 1):
        emi,i_paid,p_paid, new_p = calc_interest(P, emi, interest_rate)
        payment_list.append([n, P,emi, i_paid, p_paid, new_p])
        P = np.round(new_p,2)
   
    payment_table = pd.DataFrame(payment_list, columns = ['Month',
                                                       'Starting Balance',
                                                       'Repayment',
                                                       'Interest Paid',
                                                       'Principal Paid',
                                                       'New Balance'])
    return(payment_table, np.round(payment_table['Interest Paid'].sum(), 2), emi)