Not for bookkeeping. Auto-categorization of transactions is purely rule based (keyword rules, learned rules and a built-in starter list); no AI model is involved and no Sprwt AI credits are used. The only AI feature related to costs is Import Supplier Receipts with AI on the Ingredients page, which uses Sprwt AI (GPT-4o vision) to read a receipt photo and update ingredient costs and macros; that feature consumes Sprwt AI credits.