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How to auto expand column with formula to bottom of sheet

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I am making a credit card debt paydown sheet that I want the user to be able to add more rows and have the formulas automatically fill down the column. I tried ARRAYFORMULA but because the results of the columns rely on each other (ie, the first cell of each row is the starting day balance which requires the last cell of each row which is the end of day balance) it does not work because it thinks it's cyclical dependency. I don't want the user to have to drag the columns down manually. Any ideas? Sorry if this isn't clear enough or enough info to go off of.

I'm using Google Sheets, but it seems most of what works for Excel also works here, right?


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