Earned / Taken / Availble Table

I am learning PHP and MySQL and am building a simple website where people can earn and redeem points. I have a user table with ID, name and other information. I was thinking of creating a points table which would contain an ID column which references the user table. I would also have a points earned column and a points redeemed column. What I am unsure of is if I want a points available column or if I just want to use use PHP to calculate the points available based on earned minus redeemed. I was hoping to get advice on best way to do this. Thanks!

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