CREATE TABLE user_balances (
amount decimal(9, 2),
date datetime,
index(date)
);
insert into user_balances values (123.45, now());
explain
SELECT SUM(amount) as total
FROM user_balances WHERE DATE(date)=CURDATE();
explain
SELECT SUM(amount) as total
FROM user_balances WHERE date between CURDATE() and date_add(CURDATE(), interval 1 day);