Should transfers between my own accounts count as income or expense?
Usually, a transfer between accounts you own is neither new income nor new spending because your total money has not changed. Record it consistently so it does not.
Usually, a transfer between accounts you own is neither new income nor new spending because your total money has not changed. Record it consistently so it does not inflate both sides of your budget. Loan proceeds, credit-card payments, refunds, and investment transfers may need distinct treatment depending on the report you want. For tax or business books, follow applicable accounting rules or professional guidance.