What is the correct way to count a dynamic value?

Question

MySQL

There is a table of clients, orders and payments. Now clients have a "debt" field. Previously, orders also had it, but it was changed to dynamically calculated. Performance is generally normal, there is not much data.
I would like to do the same with the client's debt. On the move, you can do this: for each client, orders and payments to them (if any) are selected, a calculation is made using group by and sum. In principle, the selection of clients occurs only in the admin panel with a maximum of 200 lines. In other cases, the client's sample will be the only one.
I know that the approach is more labor-intensive, but the field that needs to be updated after each change in the debt in orders (or even the amount of the order) requires a lot of attention.
There is also an approach with updating the field every n times. But not the scale.
Is it normal to drink like that?

Answer 1

If the load is insignificant, this is a normal option, so as not to complicate the logic of a simple application.
Usually they do the opposite:
First, they do something dynamically calculated, and when such a calculation becomes a costly operation, they remake it into a register.