Xjazz said:
I assume you are preferring with center of lift a wing center of lift only.
I meant the center of lift for the entire aircraft. The first website you linked to above includes this picture:
The neutral point is the where the center of gravity needs to be located so that an aircraft has zero pitch stability (not positive or negative). The center of lift can be considered the vector sum of all aerodynamic forces on an aircraft. For a symmetrical airfoil (no pitching moment), they're effectively the same. If the airfoil is cambered, then they are slightly apart; the neutral point is further back for a wing with positive camber because of the pitch down aerodynamic torque.
You're diagram is a bit confusing because it appears to depict a symmetrical airfoil, no pitching moment (aerodynamic torque), and the center of lift for the entire aircraft and neutral point should be the same, so it appears you show the neutral point too far aft of where it should be. Without a pitching moment, then with the center of gravity and the tail's negative lift both being behind the center of lift for the main wing, the result should be a pitch up (clockwise) torque.
Vok5 said:
formulas affect planes in flight and which forces affect planes in flight.
As mentioned above, you have linear forces (lift, weight, thrust, drag) and angular torques (pitch, roll, yaw). The comment about moment above was about pitch stability, which occurs when an aircraft self corrects to level flight at a specific speed without any control movments. The math of aerodynamics is very complex. There are programs, like xfoil, that can calculate airfoil parameters. How complicated do you want your flight simulator to get? The best consumer flight simulators seem to be the radio control model simulators, such as RealFlight. I don't know how accurate the modelling is in programs like FSX.