Percentage Increase/Decrease

Hello! I often appear better than most people at Excel but coming here shows I'm not! I've been searching through pages and pages for a formula to calucate percentages but can't find anything quite right.

Column D is an account balance with a new row for each day.
Column E is the percentage difference.

It looks like this: click here!

Is it possible to calculate this?

I tried =1-(D5/D4) which gave me the correct figure, except positive when the difference was a reduction so should have been -XX%, not XX%. However this figure thn gave the wrong figures when it was an increase.

Any help you can give is hugely appreciated. I often need help lately with odds bits and would be interested in any fee-based support available.

Thank you for your help.

Ian