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Find a balance that works for your money.


At Thrivent Federal Credit Union, we've developed a system of accounts called BalanceWorksTM that can help you manage and budget your money according to your personal needs, goals and values.


BalanceWorks – Monthly Budgeting for Needs, Wants, Savings & Giving

Use the Dollar Tool below to see how you'll benefit from a more balanced approach to money management. Follow the steps by choosing your stage in life and entering your monthly take-home pay. Then adjust the sliders on the dollar bill to find a budgeting breakdown that works for you.

1. Select your current life stage.

Single Income

Single and financially independent.


Dual-earners without children.


A household with children.

3. Move the sliders to change the proportions and find a balance that works.

Or, to have the Dollar Tool above show you a more accurate breakdown of your personalized spending plan, use the form below to fill in your monthly expenses for Needs, Wants, Savings and Giving. (Click down arrow on right to show form.)

4. Monthly Expense Breakdown (optional)

The information you enter into the form below may not be secure. In order to protect your information, please refrain from entering account numbers or account details.

Add an Expense


$0 / $0










Make Monthly Budgeting Automatic

Take the next step to simplify your budgeting.

Ready to get started?

Apply online to open your BalanceWorksTM accounts today.
Apply For Accounts
Connect with Us

Open your personalized budget plan. A banker will contact you shortly to help you get started.
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Print a Copy

Print a copy of this spending plan for yourself.
Print Now

Note: Any information you've entered on this page will not be saved. Due to the sensitive nature of the financial information that you entered into the Dollar Tool, you should use caution when printing from or saving to a computer that you do not own or control.