The mass-balance accounting model can be used to guide the management of septic systems and fertilizers to control the degradation of groundwater quality in zones of an aquifer that contribute water to public supply wells. The nitrate nitrogen concentration of the mixture in the well can be predicted for steady-state conditions by calculating the concentration that results from the total weight of nitrogen and total volume of water entering the zone of contribution to the well. Computations for different development schemes provide a technical basis for planners and managers to compare water quality effects and to select alternatives that limit nitrate concentration in wells. Appendix A contains tables of nitrate loads and water volumes from common sources for use with the accounting model; Appendix B describes the preparation of a spreadsheet for the nitrate loading calculations with a software package generally available for desktop computers.