To add a "Reference" tab in the Cashbook Lite program for Windows, you may need to check if the software provides a customization or settings option to enable or add tabs. If it does, you can navigate to the settings or customization section and look for options to add or enable a "Reference" tab. If you are unable to find such options within the program, you may need to consult the program's documentation or contact the software's support team for further assistance.