How it works
Set your hourly rate
Use take-home pay for the clearest picture.
Enter a price
See the hours it takes to earn it. Instantly.
Pause & decide
Buy. Don't buy. Or sleep on it for 24 hours.
Why time beats price
Clear trade-offs
£30 = 2 hours at £15 per hour. Quickly understand the price in time.
Fewer unplanned purchases
A pause changes the outcome. 24 hours to think it over.
Small wins add up
Skip a few purchases every week and see your Financial Fitness strengthen.
Learn the mindset in our Time vs Money guide.
Try it now
See how quickly 118M8 turns pounds into working hours. Adjust the numbers to match your real-life situation and watch the hours update instantly.
Sleep on it for 24 hours
Tap “Sleep On It” instead of “Buy” and 118M8 sets a 24-hour reminder. Tomorrow, you'll see how much time you saved and you can decide whether that purchase feels worth it or not.
Pause first, decide later. Most people feel different after giving themselves a night to think.
Tip: Use “Sleep on it” whenever an impulse strikes. Future you will thank present you.
Future features
Savings goal games
Turn progress into streaks and milestones you'll want to hit
Open banking insights
Link accounts to spot patterns and triggers
Spend insights
Exclusively for 118118 Money credit card customers
Spending alerts
Gentle nudges to help prevent unplanned spending
Credit progress
Tools for 118 118 Money customers to stay in shape
Cashback & offers
Earn a little back when you do choose to buy
You already know 118 118 Money
Now say hello to 118M8, your digital shopping mate that helps you spend your money on the things that really matter.
See what our customers love about 118 118 Money on Trustpilot.Watch 118M8 in action
FAQs
What is 118M8?
118M8 is your digital shopping mate that helps you consider your next purchase before you spend. It shows you how long you'd need to work to afford something so you can decide if it's really worth it. Think of it as your pocket sized “pause button” before you buy.
How do I use the app?
Simple. Enter how much you earn per hour, per month or per year and what you're about to spend. 118M8 will instantly show you what that spend really costs in hours of work. You choose: Buy, Don't Buy, or Sleep on It.
Do I need to create an account?
No, you can start playing straight away, however, if you delete the app, you will lose your history. But if you register, then we will be able to save your history and allow you to unlock new features as we release them. If you are a 118118 Money customer, then just log in with your credentials and avoid the need to register. Save your progress, track your goals, and share wins with friends.
How accurate is the time to work calculation?
The app uses the hourly, monthly or yearly rate you enter to calculate how long you'd need to work to earn that amount. It's simple maths, not finance advice. But it's a great way to see the real cost of your spending habits and give yourself 24 hours to decide if you would rather spend those hours on something you want more.
Should I enter my gross or net income?
It's up to you. You could enter your net (take home) income (what actually lands in your account after tax, pension, and deductions). That way, 118M8 can show you the real cost of spending in hours you actually work for yourself, not the taxman. Or just enter your hourly, monthly or yearly pay to get started faster.
What's the “Sleep on it” reminder?
It's your control superpower. Tap “Sleep on it” instead of “Buy” and 118M8 will remind you in 24 hours. If you still want it tomorrow, fine. But most people don't.
What does “Slept On It” mean?
It's the nudge you get the next day after you've set a “Sleep on it” reminder. You'll see what you nearly bought and how much time you just saved by not doing it. That gives you a chance to spend on something you want more instead.
How do I track my savings?
Every time you don't spend, 118M8 adds that amount to what we call your savings tracker. You can see how close you are to your goal, and share milestones like “I've achieved my target of £50 saved”. Savings will only happen if you decide not to buy the item and then do not spend that money on something else later.
Can I share my savings on social media?
Absolutely. 118M8 makes it easy to share your wins with friends like how many hours you've saved or how much closer you are to your goal. You're not bragging, you're inspiring.
How do I set or change my savings goal?
Just tap “Set Goal” and choose your target whether it's a weekend away or just a rainy-day fund. You can edit or reset it anytime.
What happens when I hit my goal?
You'll get a well-deserved celebration screen (and bragging rights). Share your win, feel good about your progress, then set your next target.
Can I see how much time I've saved overall?
Yes, your profile screen shows total hours and pounds saved. It's your personal proof that small daily decisions add up to big wins.
How can I invite friends to use 118M8?
Go to the “Refer” section. Tap the invite link, send it via message or social media, and help someone else start buying back their time.
Why should I share my progress?
Because saving feels even better when it's contagious. Every shared win motivates someone else to think before they spend.
How do I update my hourly rate or settings?
Tap the profile icon, select “Settings,” and edit your info anytime.
I forgot my login details, what now?
If you registered, tap “Forgot Password” on the login screen and follow the reset steps. If you use the app without an account, no login's needed.
Is my data safe?
Absolutely. We only store the minimum data needed to make the app work. We only share your personal information in strict accordance with our Privacy Policy, ensuring your data remains protected at every step.
Is this about guilt-tripping me for spending?
Not at all. 118M8 isn't here to judge, it's here to empower. It just helps you see the true cost of your choices, so you can spend on what actually matters to you.
What if I actually want to buy something?
Then buy it guilt free. The point is to make conscious choices, not to say “no” to everything.
What's the best way to use 118M8?
Before you buy anything, open the app and see what that cost equals in hours worked. If it's worth your time, go ahead. If not hit “Don't Buy” and add it to your savings tracker.
What should I do if I no longer want my 118M8 account?
If you decide that you no longer want your 118M8 account, you can request its closure at any time. Simply send an email to beta@118m8.com from the email address registered to your account. Our team will guide you through the next steps and confirm once your account has been closed.
How do I manage my marketing preferences?
If you'd like to update how 118 118 Money contacts you, simply send your request to beta@118m8.com. Please include your name and the email address linked to your 118M8 account so we can process the update quickly.