A function can do this easily. It sounds like you want to limit how many times your code connects to the database. With a stored function or procedure, you are only making one connection. Yes, the stored function has two queries inside it (update then select), but these are executed on the server side without stopping to do round trips to the client.
http://sqlfiddle.com/#!2/0e6a09/1/0
Here's my skeleton of your table:
CREATE TABLE tbl_user (
id VARCHAR(100) PRIMARY KEY,
user_id VARCHAR(100),
amount DECIMAL(17,4) );
INSERT INTO tbl_user VALUES ('1', 'John', '100.00');
And the proposed function:
CREATE FUNCTION incrementAmount
(p_id VARCHAR(100), p_amount DECIMAL(17,4))
RETURNS DECIMAL(17,4)
BEGIN
UPDATE tbl_user
SET amount = amount + p_amount
WHERE id = p_id;
RETURN (SELECT amount FROM tbl_user WHERE id = p_id);
END
//
Then you just run one query, a SELECT
on the function you just created:
SELECT incrementAmount('1', 5.00)
The query result is:
105