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Hi Abu7akm,
You need to be clear that calculated fields are not 'real' fields - they do not get stored in any tables;  they only exist while your program is running.
Calculated fields can be used to avoid data redundancy - for example, you know the price and quantity of something, you could use a calculated field to display it's value (price * quantity);  holding the value in a table is redundant.
Calculated fields can be used to display data that is variable - for example, if you know someone's birthday, you could use a calculated field to display their age;  holding their age in a table is both redundant and inaccurate (it will only be correct as at the time of saving).
Calculated fields can be used to concatenate data fields - for example, if you know someone's salutation, first name and last name, you could use a calculated field to join them together (for example, in a mail-shot);  again, holding the concatenated salution and names in a table is redundant.
Calculated fields can be used to display summary information - how many invoices per customer, the most recent invoice per customer etc etc 
Please look at the attachment that contains various examples of calculated fields.
Having said that, if you are relatively new to MVD, there is a danger that this could hinder as much as help.  It might be better if you just said what exactly it is that you need to use a calculated field for and then build up your knowledge from that point.
Derek.

I can't see in your database table, fields for sum.

You can write in calculated field: field1+field2
Also you can send me your project to support@drive-software.com
I'll try to help you.

abu7akm wrote:

Can I create a program for each user name and password that enters into a specific form?

Programmatically with MVD, Yes. You can use the Role Feature of MVD that can be see in the Object Inspector. You only need to enable the Role Function. You can check on this documentation http://myvisualdatabase.com/help_en/roles/roles.html. I attached a simple program for it.
Username/Password:
admin / admin
user1 / 123
user2 / 123
If you want for dynamic user access (Can be updated by user when program is deployed), you can check on this post http://myvisualdatabase.com/forum/viewtopic.php?id=6928