Balance your money with the BalanceWorks® system

We live in a world where thinking purposefully about money is often overshadowed by what you need in the near term. And we know it can be hard to plan for both the short term and the long term. The BalanceWorks® system can help you take a more balanced approach to money management, from spending, to saving, to giving.

Watch the video to see how you can benefit from BalanceWorks®.

illustration of a woman drinking coffee and writing

Get the BalanceWorks® system

Organize your accounts to match your budgeting goals.

Learn more about getting the BalanceWorks® system

Join TCU today

Join us and start planning with the BalanceWorks® system.

Learn more about joining TCU

What others say sbout the BalanceWorks® system

Hear how one couple achieved financial security.

Learn more about what others say about the BalanceWorks® System

See what a balanced approach to money management looks like

In the Budget Tool below, just follow the steps, and then adjust the sliders on the dollar bill to find a budgeting breakdown that works for you.

Use the drop-down menu to select the persona that most closely represents your current situation.


Single and financially independent.
(click to select) (tap to select)


Dual-earners without children.
(click to select) (tap to select)


A household with children.
(click to select) (tap to select)

Your take-home pay (or net pay) is the amount of money you actually earn (or get to take home) after taxes, benefit costs and retirement contributions are subtracted.
3. Move the sliders to change the proportions and find a balance that works.

Or, to have the dollar bill 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)
For a more in-depth and accurate view of your budget, fill out any applicable fields below.

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.

$0 / $0


Note: The information you enter on this page will not be saved. Due to the sensitive nature of the financial information you enter into the Budget Tool, please use caution when printing from or saving to a computer that you don't own or control.