PMT Calculates periodic payments,
i.e. How much will it cost to pay off a car if I finance $$ at 48 months with $$ down?
FV calculates future value,
i.e. if I save $$ per month over 40 years, how much money will I have when I retire?
Goal Seek- A command that lets you enter the end result ($$ Payment) and from that determine how much you can spend to get that payment