duplicating multiple columns automatically (yearly info)

[HelpExcelHelpers]

Every year I have 6 columns with formulas in 3 out of the 6 columns that duplicates every year. Is there a way to have this setup automatically repeated when I tab over to the next empty cell or will the formulas not reference the correct cells?

EXAMPLE:
I6 - Date, J6 Banked (formula pulls from previous year), K6 Bankable (formula pulls data from previous year and current year), L6 Borrowed, M6 Used, N6 Remaining (formula pulls from all cells within that year).

Thank you in advance for any insight!