diff --git a/scripts/actual-query.mjs b/scripts/actual-query.mjs
index ed7d395..834d9d9 100644
--- a/scripts/actual-query.mjs
+++ b/scripts/actual-query.mjs
@@ -208,6 +208,7 @@ async function main() {
           const txns = await api.getTransactions(acct.id, startDate, endDate);
           for (const t of txns) {
             if (t.amount >= 0) continue; // skip income
+            if (t.transfer_id) continue; // skip inter-account transfers
             const catName = categoryMap[t.category] || 'Uncategorized';
             spending[catName] = (spending[catName] || 0) + t.amount;
           }