diff --git a/app/Helpers/Collector/GroupCollector.php b/app/Helpers/Collector/GroupCollector.php
index 8c8d4972e8..1432ab144d 100644
--- a/app/Helpers/Collector/GroupCollector.php
+++ b/app/Helpers/Collector/GroupCollector.php
@@ -1125,4 +1125,41 @@ class GroupCollector implements GroupCollectorInterface
             ->orderBy('transaction_journals.description', 'DESC')
             ->orderBy('source.amount', 'DESC');
     }
+
+    /**
+     * Either account can be set, but NOT both. This effectively excludes internal transfers.
+     *
+     * @param Collection $accounts
+     *
+     * @return GroupCollectorInterface
+     */
+    public function setXorAccounts(Collection $accounts): GroupCollectorInterface
+    {
+        if ($accounts->count() > 0) {
+            $accountIds = $accounts->pluck('id')->toArray();
+            $this->query->where(
+                static function (EloquentBuilder $q1) use ($accountIds) {
+                    // sourceAccount is in the set, and destination is NOT.
+
+                    $q1->where(
+                        static function (EloquentBuilder $q2) use ($accountIds) {
+                            $q2->whereIn('source.account_id', $accountIds);
+                            $q2->whereNotIn('destination.account_id', $accountIds);
+                        }
+                    );
+                    // destination is in the set, and source is NOT
+                    $q1->orWhere(
+                        static function (EloquentBuilder $q3) use ($accountIds) {
+                            $q3->whereNotIn('source.account_id', $accountIds);
+                            $q3->whereIn('destination.account_id', $accountIds);
+                        }
+                    );
+                }
+            );
+
+            app('log')->debug(sprintf('GroupCollector: setXorAccounts: %s', implode(', ', $accountIds)));
+        }
+
+        return $this;
+    }
 }
diff --git a/app/Helpers/Collector/GroupCollectorInterface.php b/app/Helpers/Collector/GroupCollectorInterface.php
index 5dd0938361..0ab7a9f5d7 100644
--- a/app/Helpers/Collector/GroupCollectorInterface.php
+++ b/app/Helpers/Collector/GroupCollectorInterface.php
@@ -121,6 +121,15 @@ interface GroupCollectorInterface
      */
     public function setAccounts(Collection $accounts): GroupCollectorInterface;
 
+    /**
+     * Either account can be set, but NOT both. This effectively excludes internal transfers.
+     *
+     * @param Collection $accounts
+     *
+     * @return GroupCollectorInterface
+     */
+    public function setXorAccounts(Collection $accounts): GroupCollectorInterface;
+
     /**
      * Collect transactions after a specific date.
      *
diff --git a/app/Http/Controllers/Chart/ReportController.php b/app/Http/Controllers/Chart/ReportController.php
index b6499ac84c..4c9e143444 100644
--- a/app/Http/Controllers/Chart/ReportController.php
+++ b/app/Http/Controllers/Chart/ReportController.php
@@ -162,8 +162,8 @@ class ReportController extends Controller
         $chartData = [];
         /** @var GroupCollectorInterface $collector */
         $collector = app(GroupCollectorInterface::class);
-        $collector->setRange($start, $end)->setAccounts($accounts)
-                                          ->withAccountInformation();
+        $collector->setRange($start, $end)->withAccountInformation();
+        $collector->setXorAccounts($accounts);
         $journals = $collector->getExtractedJournals();
 
         // loop. group by currency and by period.
@@ -186,11 +186,10 @@ class ReportController extends Controller
             // in our outgoing?
             $key    = 'spent';
             $amount = app('steam')->positive($journal['amount']);
-            if (TransactionType::DEPOSIT === $journal['transaction_type_type']
-                || (TransactionType::TRANSFER === $journal['transaction_type_type']
-                    && in_array(
-                        $journal['destination_account_id'], $ids, true
-                    ))) {
+            if (TransactionType::DEPOSIT === $journal['transaction_type_type'] ||
+                (TransactionType::TRANSFER === $journal['transaction_type_type']
+                    && in_array($journal['destination_account_id'], $ids, true)
+                )) {
                 $key = 'earned';
             }
             $data[$currencyId][$period][$key] = bcadd($data[$currencyId][$period][$key], $amount);