Home / Explore / Manage my money / Budget with the BalanceWorks® system
hands holding house

Bring intention to your money with the BalanceWorks® system

Take a more balanced approach to money management, and make it easier to track spending, build savings and manage giving with the BalanceWorks® system, an exclusive TCU tool that allows you to divide your monthly income into four important categories:


Mortgage payments, car payments, insurance, groceries, healthcare and debt repayment.


Clothes, entertainment and other discretionary spending.


Anything you don't allocate for bills and spending.


Charitable giving or weekly church donations.

See how the BalanceWorks® system really works in this short video

Watch BalanceWorks® video

Plan for expenses with the TCU Budget tool

Budget with the TCU Budget tool

Discover how the BalanceWorks® system helped reshape one couple's outlook on money

Relate with users

Join TCU today

Join us and start planning with the BalanceWorks® system.

Learn more about joining TCU

Already have a TCU membership?

Add the BalanceWorks® system to your account today.

Get started with BalanceWorks®

How it works

  1. Save first
    Your monthly income and any other deposits will go into your Savings account to make savings your first priority.
  2. Align goals with accounts
    Think about your financial goals and use the TCU Budget Tool to determine how much money should go into your Needs, Wants and Giving accounts.
  3. Set up transfers
    Help prevent overspending by using online banking to set up monthly transfers from your Savings accounts to your other BalanceWorks® accounts.
  4. Set up bill pay
    Set up online transfers from your Needs account to pay reoccurring monthly bills on time.
  5. Adjust as needed
    Use the Money Management™ dashboard to see your spending and saving activity at a glance and adjust on the go.