Add TRANSFER transaction type with bulk action and auto-rules

- Add TRANSFER to TransactionType enum; excluded from cash flow queries
- Add TransferRule model: description patterns that auto-mark transactions
  as transfers on upload (takes priority over budget rules)
- Bulk action "Mark as transfer" in transaction table
- Transfer Rules button/dialog on transactions page for managing patterns
- Transfers shown with ⇄ prefix and muted color in transaction list

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

prisma/schema.prisma

@@ -16,6 +16,7 @@ model User {
   accounts      Account[]
   budgets       Budget[]
   budgetRules   BudgetRule[]
+  transferRules TransferRule[]
 }
 
 enum AccountType {
@@ -45,6 +46,7 @@ model Account {
 enum TransactionType {
   DEBIT
   CREDIT
+  TRANSFER
 }
 
 model Transaction {
@@ -100,6 +102,16 @@ model BudgetRule {
   @@index([budgetId])
 }
 
+model TransferRule {
+  id        String   @id @default(cuid())
+  userId    String
+  user      User     @relation(fields: [userId], references: [id], onDelete: Cascade)
+  pattern   String
+  createdAt DateTime @default(now())
+
+  @@index([userId])
+}
+
 model CsvUpload {
   id            String        @id @default(cuid())
   accountId     String

src/app/(app)/dashboard/page.tsx

@@ -32,6 +32,7 @@ export default async function DashboardPage({ searchParams }: { searchParams: Se
       JOIN "Account" a ON t."accountId" = a.id
       WHERE a."userId" = ${userId}
         AND a.type = 'BANK'
+        AND t.type != 'TRANSFER'
         AND t.date >= ${start}
         AND t.date <= ${end}
       GROUP BY t.type

src/app/(app)/transactions/page.tsx

@@ -3,6 +3,7 @@ import { prisma } from '@/lib/prisma'
 import { Prisma } from '@/generated/prisma/client'
 import { TransactionFilters } from '@/components/transactions/TransactionFilters'
 import { TransactionTable } from '@/components/transactions/TransactionTable'
+import { TransferRulesButton } from '@/components/transactions/TransferRulesButton'
 
 const PAGE_LIMIT = 50
 
@@ -35,7 +36,7 @@ export default async function TransactionsPage({ searchParams }: { searchParams:
     }),
   }
 
-  const [transactions, total, accounts, budgets] = await Promise.all([
+  const [transactions, total, accounts, budgets, transferRules] = await Promise.all([
     prisma.transaction.findMany({
       where,
       include: {
@@ -57,6 +58,11 @@ export default async function TransactionsPage({ searchParams }: { searchParams:
       select: { id: true, name: true, color: true },
       orderBy: { name: 'asc' },
     }),
+    prisma.transferRule.findMany({
+      where: { userId: session.user.id },
+      orderBy: { createdAt: 'asc' },
+      select: { id: true, pattern: true },
+    }),
   ])
 
   // Serialize dates for client components
@@ -69,7 +75,10 @@ export default async function TransactionsPage({ searchParams }: { searchParams:
 
   return (
     <div className="p-6">
-      <h1 className="text-2xl font-bold mb-4">Transactions</h1>
+      <div className="flex items-center justify-between mb-4">
+        <h1 className="text-2xl font-bold">Transactions</h1>
+        <TransferRulesButton rules={transferRules} />
+      </div>
       <TransactionFilters accounts={accounts} />
       <TransactionTable
         transactions={rows}

src/app/api/transactions/bulk/route.ts

@@ -18,6 +18,10 @@ const bulkSchema = z.discriminatedUnion('action', [
     ids: z.array(z.string()).min(1),
     notes: z.string().max(500),
   }),
+  z.object({
+    action: z.literal('markTransfer'),
+    ids: z.array(z.string()).min(1),
+  }),
 ])
 
 async function recomputeAccount(accountId: string) {
@@ -110,7 +114,7 @@ export async function POST(req: Request) {
     return NextResponse.json({ updated: ids.length })
   }
 
-  // addNotes
+  if (action === 'addNotes') {
     const { notes } = result.data
     await prisma.transaction.updateMany({
       where: { id: { in: ids } },
@@ -118,3 +122,11 @@ export async function POST(req: Request) {
     })
     return NextResponse.json({ updated: ids.length })
   }
+
+  // markTransfer
+  await prisma.transaction.updateMany({
+    where: { id: { in: ids } },
+    data: { type: 'TRANSFER' },
+  })
+  return NextResponse.json({ updated: ids.length })
+}

src/app/api/transfer-rules/[id]/route.ts

@@ -0,0 +1,19 @@
+import { NextResponse } from 'next/server'
+import { auth } from '@/lib/auth'
+import { prisma } from '@/lib/prisma'
+
+type Params = { params: Promise<{ id: string }> }
+
+export async function DELETE(_req: Request, { params }: Params) {
+  const session = await auth()
+  if (!session?.user?.id) return NextResponse.json({ error: 'Unauthorized' }, { status: 401 })
+
+  const { id } = await params
+  const rule = await prisma.transferRule.findFirst({
+    where: { id, userId: session.user.id },
+  })
+  if (!rule) return NextResponse.json({ error: 'Not found' }, { status: 404 })
+
+  await prisma.transferRule.delete({ where: { id } })
+  return new NextResponse(null, { status: 204 })
+}

src/app/api/transfer-rules/route.ts

@@ -0,0 +1,34 @@
+import { NextResponse } from 'next/server'
+import { z } from 'zod'
+import { auth } from '@/lib/auth'
+import { prisma } from '@/lib/prisma'
+
+const schema = z.object({
+  pattern: z.string().min(1).max(200).trim(),
+})
+
+export async function GET() {
+  const session = await auth()
+  if (!session?.user?.id) return NextResponse.json({ error: 'Unauthorized' }, { status: 401 })
+
+  const rules = await prisma.transferRule.findMany({
+    where: { userId: session.user.id },
+    orderBy: { createdAt: 'asc' },
+    select: { id: true, pattern: true },
+  })
+  return NextResponse.json(rules)
+}
+
+export async function POST(req: Request) {
+  const session = await auth()
+  if (!session?.user?.id) return NextResponse.json({ error: 'Unauthorized' }, { status: 401 })
+
+  const result = schema.safeParse(await req.json())
+  if (!result.success) return NextResponse.json({ error: result.error.flatten() }, { status: 400 })
+
+  const rule = await prisma.transferRule.create({
+    data: { userId: session.user.id, pattern: result.data.pattern },
+    select: { id: true, pattern: true },
+  })
+  return NextResponse.json(rule, { status: 201 })
+}

src/app/api/upload/route.ts

@@ -76,14 +76,26 @@ export async function POST(req: Request) {
 
   const normalized = normalizeRows(allRows, accountId, config)
 
-  // Apply budget auto-assign rules (first match wins)
-  const budgetRules = await prisma.budgetRule.findMany({
+  // Apply transfer rules first, then budget rules (transfer takes priority)
+  const [budgetRules, transferRules] = await Promise.all([
+    prisma.budgetRule.findMany({
       where: { userId: session.user.id },
       orderBy: { createdAt: 'asc' },
       select: { pattern: true, budgetId: true },
-  })
+    }),
+    prisma.transferRule.findMany({
+      where: { userId: session.user.id },
+      orderBy: { createdAt: 'asc' },
+      select: { pattern: true },
+    }),
+  ])
   const rowsWithBudgets = normalized.map((row) => {
     const desc = row.description.toLowerCase()
+    for (const rule of transferRules) {
+      if (desc.includes(rule.pattern.toLowerCase())) {
+        return { ...row, type: 'TRANSFER' as const, budgetId: null }
+      }
+    }
     for (const rule of budgetRules) {
       if (desc.includes(rule.pattern.toLowerCase())) {
         return { ...row, budgetId: rule.budgetId }

src/components/transactions/TransactionTable.tsx

@@ -6,7 +6,7 @@ import { usePathname, useSearchParams, useRouter } from 'next/navigation'
 import {
   Table, TableBody, TableCell, TableHead, TableHeader, TableRow,
 } from '@/components/ui/table'
-import { Pencil, ChevronLeft, ChevronRight, Trash2, Tag, StickyNote, X } from 'lucide-react'
+import { Pencil, ChevronLeft, ChevronRight, Trash2, Tag, StickyNote, X, ArrowLeftRight } from 'lucide-react'
 import { Button } from '@/components/ui/button'
 import { Dialog, DialogContent, DialogHeader, DialogTitle, DialogFooter } from '@/components/ui/dialog'
 import { Textarea } from '@/components/ui/textarea'
@@ -53,7 +53,7 @@ export function TransactionTable({
   const router = useRouter()
   const [editing, setEditing] = useState<TransactionRow | null>(null)
   const [selected, setSelected] = useState<Set<string>>(new Set())
-  const [bulkDialog, setBulkDialog] = useState<'delete' | 'budget' | 'notes' | null>(null)
+  const [bulkDialog, setBulkDialog] = useState<'delete' | 'budget' | 'notes' | 'transfer' | null>(null)
   const [budgetTarget, setBudgetTarget] = useState<string>('__none__')
   const [notesValue, setNotesValue] = useState('')
   const [working, setWorking] = useState(false)
@@ -125,6 +125,10 @@ export function TransactionTable({
     await bulkPost({ action: 'addNotes', ids: [...selected], notes: notesValue })
   }
 
+  async function handleMarkTransfer() {
+    await bulkPost({ action: 'markTransfer', ids: [...selected] })
+  }
+
   if (transactions.length === 0 && !someSelected) {
     return (
       <div className="rounded-lg border border-dashed p-12 text-center text-muted-foreground">
@@ -156,6 +160,13 @@ export function TransactionTable({
             >
               <Tag className="h-3.5 w-3.5 mr-1.5" />Budget
             </Button>
+            <Button
+              size="sm"
+              variant="outline"
+              onClick={() => setBulkDialog('transfer')}
+            >
+              <ArrowLeftRight className="h-3.5 w-3.5 mr-1.5" />Transfer
+            </Button>
             <Button
               size="sm"
               variant="destructive"
@@ -195,6 +206,7 @@ export function TransactionTable({
           <TableBody>
             {transactions.map((tx) => {
               const isCredit = tx.type === 'CREDIT'
+              const isTransfer = tx.type === 'TRANSFER'
               const isSelected = selected.has(tx.id)
               const dateStr = new Date(tx.date).toLocaleDateString('en-US', {
                 month: 'short', day: 'numeric', year: 'numeric',
@@ -225,8 +237,8 @@ export function TransactionTable({
                     </TableCell>
                   )}
                   <TableCell className="text-right tabular-nums font-medium">
-                    <span className={cn('text-sm', isCredit ? 'text-green-600' : '')}>
-                      {isCredit ? '+' : '-'}{formatCents(tx.amountCents)}
+                    <span className={cn('text-sm', isTransfer ? 'text-muted-foreground' : isCredit ? 'text-green-600' : '')}>
+                      {isTransfer ? '⇄ ' : isCredit ? '+' : '-'}{formatCents(tx.amountCents)}
                     </span>
                   </TableCell>
                   <TableCell className="text-sm text-muted-foreground">
@@ -356,6 +368,25 @@ export function TransactionTable({
         </DialogContent>
       </Dialog>
 
+      {/* Mark as transfer dialog */}
+      <Dialog open={bulkDialog === 'transfer'} onOpenChange={(o) => { if (!o) setBulkDialog(null) }}>
+        <DialogContent className="max-w-sm">
+          <DialogHeader>
+            <DialogTitle>Mark as transfer?</DialogTitle>
+          </DialogHeader>
+          <p className="text-sm text-muted-foreground">
+            {selected.size} transaction{selected.size !== 1 ? 's' : ''} will be marked as transfers
+            and excluded from cash flow calculations.
+          </p>
+          <DialogFooter>
+            <Button variant="outline" onClick={() => setBulkDialog(null)}>Cancel</Button>
+            <Button onClick={handleMarkTransfer} disabled={working}>
+              {working ? 'Saving…' : 'Mark as transfer'}
+            </Button>
+          </DialogFooter>
+        </DialogContent>
+      </Dialog>
+
       {/* Add notes dialog */}
       <Dialog open={bulkDialog === 'notes'} onOpenChange={(o) => { if (!o) setBulkDialog(null) }}>
         <DialogContent className="max-w-sm">

src/components/transactions/TransferRulesButton.tsx

@@ -0,0 +1,24 @@
+'use client'
+
+import { useState } from 'react'
+import { Button } from '@/components/ui/button'
+import { ArrowLeftRight } from 'lucide-react'
+import { TransferRulesDialog } from './TransferRulesDialog'
+
+interface Rule {
+  id: string
+  pattern: string
+}
+
+export function TransferRulesButton({ rules }: { rules: Rule[] }) {
+  const [open, setOpen] = useState(false)
+  return (
+    <>
+      <Button variant="outline" size="sm" onClick={() => setOpen(true)}>
+        <ArrowLeftRight className="h-4 w-4 mr-2" />
+        Transfer rules
+      </Button>
+      <TransferRulesDialog open={open} onOpenChange={setOpen} rules={rules} />
+    </>
+  )
+}

src/components/transactions/TransferRulesDialog.tsx

@@ -0,0 +1,94 @@
+'use client'
+
+import { useState } from 'react'
+import { useRouter } from 'next/navigation'
+import { Dialog, DialogContent, DialogHeader, DialogTitle } from '@/components/ui/dialog'
+import { Button } from '@/components/ui/button'
+import { Input } from '@/components/ui/input'
+import { Trash2, Plus } from 'lucide-react'
+
+interface Rule {
+  id: string
+  pattern: string
+}
+
+interface Props {
+  open: boolean
+  onOpenChange: (open: boolean) => void
+  rules: Rule[]
+}
+
+export function TransferRulesDialog({ open, onOpenChange, rules }: Props) {
+  const router = useRouter()
+  const [pattern, setPattern] = useState('')
+  const [adding, setAdding] = useState(false)
+
+  async function handleAdd(e: React.FormEvent) {
+    e.preventDefault()
+    if (!pattern.trim()) return
+    setAdding(true)
+    await fetch('/api/transfer-rules', {
+      method: 'POST',
+      headers: { 'Content-Type': 'application/json' },
+      body: JSON.stringify({ pattern: pattern.trim() }),
+    })
+    setPattern('')
+    setAdding(false)
+    router.refresh()
+  }
+
+  async function handleDelete(id: string) {
+    await fetch(`/api/transfer-rules/${id}`, { method: 'DELETE' })
+    router.refresh()
+  }
+
+  return (
+    <Dialog open={open} onOpenChange={onOpenChange}>
+      <DialogContent className="max-w-md">
+        <DialogHeader>
+          <DialogTitle>Transfer rules</DialogTitle>
+        </DialogHeader>
+
+        <p className="text-sm text-muted-foreground">
+          Transactions whose description matches a pattern (case-insensitive) are automatically
+          marked as transfers on upload and excluded from cash flow.
+        </p>
+
+        {rules.length === 0 ? (
+          <p className="text-sm text-muted-foreground text-center py-2">No rules yet.</p>
+        ) : (
+          <ul className="space-y-1.5">
+            {rules.map((rule) => (
+              <li
+                key={rule.id}
+                className="flex items-center justify-between gap-2 rounded-md border px-3 py-2 text-sm"
+              >
+                <span className="font-mono truncate">{rule.pattern}</span>
+                <button
+                  onClick={() => handleDelete(rule.id)}
+                  className="shrink-0 text-muted-foreground hover:text-destructive transition-colors"
+                  aria-label="Delete rule"
+                >
+                  <Trash2 className="h-3.5 w-3.5" />
+                </button>
+              </li>
+            ))}
+          </ul>
+        )}
+
+        <form onSubmit={handleAdd} className="flex gap-2">
+          <Input
+            placeholder="e.g. Fidelity Transfer, Schwab"
+            value={pattern}
+            onChange={(e) => setPattern(e.target.value)}
+            className="flex-1"
+          />
+          <Button type="submit" disabled={adding || !pattern.trim()} size="sm">
+            <Plus className="h-4 w-4 mr-1" />
+            Add
+          </Button>
+        </form>
+      </DialogContent>
+    </Dialog>
+  )
+}

src/lib/validations/transaction.ts

@@ -4,7 +4,7 @@ export const transactionQuerySchema = z.object({
   accountId: z.string().optional(),
   dateFrom: z.string().optional(),
   dateTo: z.string().optional(),
-  type: z.enum(['DEBIT', 'CREDIT']).optional(),
+  type: z.enum(['DEBIT', 'CREDIT', 'TRANSFER']).optional(),
   search: z.string().optional(),
   budgetId: z.string().optional(),
   page: z.coerce.number().min(1).default(1),