SELECT ROUND(COALESCE(SUM(t1.`amount`),0),2)
FROM (
   SELECT DISTINCT  us.`savind_id`, ROUND(us.`amount`,2) as `amount`
   FROM `user_savings` us
   INNER JOIN `users` u ON us.`user_id`=u.`user_id`
   LEFT JOIN `transactions_by_date` td ON td.`transactionId`=us.`transaction_id` AND us.`user_id`=td.`user_id`
   WHERE us.`user_id`=20 AND td.`is_excluded`=0 AND td.`not_qualified`=0 AND td.`is_system`=0 AND DATE(us.create_time)>=DATE(u.`create_time`)
) as `t1`;

1	PRIMARY	<derived2>	ALL					255	
2	DERIVED	u	const	PRIMARY	PRIMARY	4		1	Using temporary
2	DERIVED	td	index_merge	transactionId,is_excluded,not_qualified,is_system,user_id	user_id,is_excluded,not_qualified,is_system	4,5,5,5		8542	Using intersect(user_id,is_excluded,not_qualified,is_system); Using where; Using index
2	DERIVED	us	ref	user_id,transaction_id	transaction_id	4	savedplus.td.transactionId	1	Using where

SELECT * FROM `transactions_by_date` WHERE user_id=20 AND is_system=0 AND is_excluded=0 AND not_qualified=0

SELECT * FROM `transactions_by_date` 
FORCE INDEX(user_id) WHERE user_id=20 
AND is_excluded=0 AND not_qualified=0 AND is_system=0

EXPLAIN SELECT ROUND(COALESCE(SUM(t1.`amount`),0),2)
FROM (
SELECT us.create_time, us.`savind_id`, ROUND(td.`amount`,2) as `amount`
FROM `user_savings` us, `transactions_by_date` td WHERE us.user_id=20 
AND us.transaction_id=td.transactionId AND us.amount > 0 
AND td.`is_excluded`=0 AND td.`is_system`=0 AND td.`not_qualified`=0
) t1