Google sheets

I am trying to use an arrayformula to add the D cell of my previous row, to the C cell of my current row and place the result in my current row D cell. Basically it is a check registry So if I am on row 2, the formula for D2 would be D3+C2. I cannot get a formula that does not give me a #REF in D2. Any ideas?

I want to use an ArrayFormula so that if I insert a row somewhere, it will automatically copy the formula into it.

Thanks

I tried using ChatGPT and it gave me some ideas using row offsets, but I still got the REF error.