Owdyn currently classifies Transfer as an expense category. However, Transfer should be a distinct transaction type, separate from both Income and Expense, rather than a category nested within the expense type.
Introduce Transfer as its own standalone transaction type, alongside Income and Expense, so it can be consistently excluded from expense totals, category budgets, and forecast calculations across the app. This should also let users create new custom categories marked as Transfer type, in the same way they can currently create custom Income or Expense categories.