How can I get a new row to populate with the format and formulas of the row above it?

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The rows will be children of a same group. I am trying to make a simple checkbook style sheet and I want users to be able to add rows and have the all the formulas and formatting iterate down.

From the above screenshot, I want the yellow fields to be added and the formula that subtracts the amount paid (yellow cells) from the budgeted amount (last column) from the row above it, automatically. I know it is a simple formula, but I am new to smart sheet and I am trying to make it easy for my team to adopt. Right now I am using a simple SUM formula to do it, but when I add a new row, I need to copy the formula and formatting down.

Thanks!

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