Disclaimer Please note that the calculator has been created to give you an approximate understanding and should not be considered as absolute.Based on your Loan tenure and interest rates, the calculator will also help you to best understand the ratio of the principal amount to the interest due. The amount of interest in your EMI will be greater in the initial months and will eventually reduce with each and every EMI paid. Thus, whilst your EMI amount remains the same, the ratio of principal to interest in your EMI will change over a period. With each successive payment, you will pay more towards the principal and less in interest.