There are situations when a transfer is an expense. For instance if you have a recurring auto payment and you use the transfer feature to move money from your banking account to your debt account to lower the balance then this should be included on the bills section of your spending plan since it is money spent for the first time. However, these are hidden since all transfers are permanently hidden and therefore inflate how much money you have left to spend. My suggestion is to make an option where you can make one side of the transfer visible on reports and the spending plan.
