Your financial fitness mate
Bill Tracker App for Calmer Monthly Spending
118M8 helps you keep tabs on everyday spending, spot repeat charges and see where your money goes week to week. It is a simple bill tracker app for people who want more clarity and fewer surprises without guilt or lectures.
- ✓See weekly, monthly and yearly spending patterns in one place
- ✓Spot repeat merchants and recurring outgoings faster
- ✓Check what a purchase really costs in hours worked
- ✓Pause before unplanned spending with a 24 hour reminder
From 118 118 Money. Free on iOS and Android.
Why It Helps
A clearer view of bills, subscriptions and repeat spending
A good bill tracker app should help you notice what is due, what keeps repeating and what is quietly eating into your month. 118M8 gives you a calm way to review your spending patterns so regular costs are easier to see.
Spot repeat merchants
See where you spend most often so recurring habits and familiar charges stand out quickly.
Check weekly patterns
Use weekly and monthly views to notice when bills, travel, food and other costs begin to stack up.
Catch pressure spending
When a new spend pops up, use Wait or Sleep on it before it turns into another drain on your budget.
Stay in control
The app helps you sense-check purchases. You decide what matters and what can wait.
What You Can Track
Use one app to keep everyday costs visible
118M8 is especially useful when you want to notice subscriptions, transport costs, eating out, shopping and other repeat spending before the month runs away from you.
For 118 118 Money credit card customers, the Money section shows top merchants, category trends and visit frequency, making it easier to review the spending that behaves like a regular bill.
- ✓Weekly, monthly and yearly spend views
- ✓Top merchants by total spend
- ✓Frequency insights to show repeat visits and repeat payments
- ✓Category breakdowns to see where regular costs are building
Sense-Check the Cost
Before a bill or purchase hits, check the time cost
Not every outgoing feels the same when you turn it into hours worked. Use Wait to reframe the cost of a payment, a renewal or an impulse buy before you commit.
That small pause can help you decide whether to keep it, delay it or skip it.
Quick Check
What does this monthly cost in your time?
Try a subscription, utility bill or purchase you are thinking about.
Time cost this month
0.0 hours
Across a year
That’s 0.0 hours of take-home time per month.
Simple maths for perspective only. Enter your own take-home pay for a more realistic check.
How 118M8 Fits In
More than a reminder app
Many bill tracker apps focus on alerts alone. 118M8 adds something extra: it helps you understand patterns and make calmer in-the-moment decisions, so regular costs and unplanned purchases are easier to manage together.
Spot It
Review your spending and notice where regular payments and repeat merchants are showing up.
Clock It
Turn a price into hours worked so the real cost of a bill or purchase becomes easier to judge.
Pause It
Use Sleep on it to add a 24 hour gap between the impulse and the decision.
Frequently Asked Questions
Is 118M8 a bill reminder app?
118M8 is broader than a simple reminder app. It helps you review spending patterns, spot repeat costs and pause before extra spending, so you can manage monthly outgoings more calmly.
Can I use 118M8 to track recurring spending?
Yes. The app helps you see repeat merchants, spending frequency and category trends, which makes recurring costs easier to notice.
Who is 118M8 for?
118M8 is designed for 118 118 Money customers and anyone who wants an easy way to sense-check purchases and keep everyday spending on track.
Does 118M8 replace my 118 118 Money account?
No. It complements your existing products by adding everyday spending insights and decision tools.
Which devices support the app?
118M8 is available on iOS and Android, with web access planned for the future.
Get Started
Download your bill tracker app and spend with more intention
Use 118M8 to keep monthly spending visible, sense-check repeat costs and make calmer purchase decisions.