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In this video tutorial, the focus is on the PMT function in Excel, which calculates loan payments based on a fixed interest rate and time period. The video highlights the availability of various Excel templates that provide detailed financial calculations beyond a simple spreadsheet. To access these templates, users can go to "File," then "New," and search for terms like "loan" or "mortgage calculator." The presenter mentions several templates available, including loan amortization schedules and various calculators for home loans, college loans, and balloon payments. The video notes that while online calculators exist, they often overlook certain aspects of loan calculations.