My spreadsheet is set up with subtotals and when I insert a row directly
above the subtotal the formula does not update to include new row (although
the subtotaling outline does move down).

The Automatic calculation is set in tools/options.

I saw suggestions for changing totals to include new rows.
=sum(a1:index(a:a,row()-1))
which works but is impractical for subtotals throughout a sheet.
Suggestions??
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Barb M..
Minnesota