You do not need to place a new field for [Profit] in you table. Calculate the new field on your form, or on your report. Place a new textbox on the form and place the follwing formula into the "control source" property of the t"profit textbox:
=[Retail]-([Cost]/20)
Where you see [Retail] Place the name of your retail textbox in between the brackets and the name of your [Cost] textbox between the next brackets. This will calculate the profit on the fly, and will not take up additional memory in your table.