You can use array formulas to make one formula operate on many values at once. In your example, there'd be one same formula in C2:C4 which would be {=B2:B4/B1:

You can use array formulas to make one formula operate on many values at once. In your example, there'd be one same formula in C2:C4 which would be {=B2:B4/B1:B3-1}. When I had to use Excel a lot I would follow this pattern as much as possible. (As a side effect, every normal Excel user I worked with hated maintaining my workbooks.)