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Default Automatically copy formulas in selected row into a new row?

I keep my checkbook registry in Excel. When I insert a new row, the new row
is blank, and then I manually copy the balance formula into the new row and
the one below. Is there an easier way to preserve a pattern of formulas when
inserting a row?

Here is an algorithm to preserve formulas when inserting a new row:
1. literally copy formulas of the selected row into the new row.
2. for all formulas in rows immediately above the new row, if formula
references the row immediately below the new row, the reference changes to
the new row.
3. for all formulas in rows immediately below the new row, if formula
references the row immediately above the new row, the reference changes to
the new row.

When inserting a new row, only apply the algorithm to row references that
are prefixed with €œ^€ (similar to €œ$€ notation for absolute cell references).


If multiple rows are inserted, apply the algorithm iteratively.

Similarly for inserting new rows.

Does Excel have such functionality?

Thank you.

 
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