Excel not auto-filling formulas in an Excel Table

mathetes, wcstarks 

I finally understand what you want to do and believe you can achieve it by using structured references and an OFFSET function to pick-up the number from the row below.

In E2 the formula becomes:

=[@[Amt Added]]+[@[Amt Withdrawn]]+[@Return]+OFFSET([@[Current Value]],1,0)

and in F2:

=[@Return]+OFFSET([@[VOT Amt]],1,0)

Make sure that these have filled down all the way to the bottom of the table.

When you now insert row 3, both formulas will auto-complete in the new row. See attached.

As to why the initial formula doesn't work, take a look at the formulas before you insert row 3. 

From the start the formulas in E2 and F2 refer to cells E3 and F3. Insert row 3 and the references will update to E4 and F4 (i.e. two rows down), just as one would expect. The formulas on what is now row 4, still reference E5 and F5. I.e. only one row down. The same for all rows down the table.

Columns E and F now will no longer auto-complete as you have inconsistent formulas in them. Row 3 will be left blank and, the formulas in row 2 are wrong.