Budget Planner App
Budget planner app for calmer daily spending
118M8 helps you plan spending decisions in the moment: spot where money keeps going, compare prices with hours worked, and pause before quick purchases become habits.
Free on iOS and Android. From 118 118 Money.
Budget check
Four budget signals
A clearer way to question small costs before they add up.
Before another quick tap, Clock it.
118M8 turns a price into hours worked, so everyday spending feels easier to judge before you commit.
Spot it
See the pattern behind the purchases
A budget planner is most useful when it changes the next decision, not just the spreadsheet. 118M8 helps regular merchants, categories and daily spending rhythms stand out.
Merchants
Notice where money keeps going
Frequent merchants are easier to question when they stop blending into the background of everyday card use.
Categories
Review spend by type
Food, shopping, travel and entertainment decisions become clearer when you can see the wider pattern.
Trends
Compare what changed
Month-to-month movement can reveal when one small habit has become a regular drain.
Spending insights are currently available for 118 118 Money credit card customers. Spending information is updated daily.
Clock it
Plan the spend before it turns into a habit
The best time to understand spending is before the next purchase. 118M8 adds a pause at the point where choices still feel changeable.
Turn prices into hours worked
A purchase feels different when you see how much of your time it takes to earn.
Sleep on non-essential buys
A 24-hour pause can take the heat out of impulse purchases, sales and checkout pressure.
Review repeat costs
Recurring costs, frequent merchants and rising categories become easier to challenge.
Choose it
Frequently asked questions
Is 118M8 a budget planner app?
Yes. 118M8 helps eligible users review spending patterns, frequent merchants and category trends. It also adds pause tools for purchases you are still deciding on.
Does it replace a full budget spreadsheet?
No. 118M8 is built for quick spending awareness and calmer decisions. If you need detailed forecasting, a spreadsheet or dedicated budgeting tool may still be useful.
Who can see spending insights?
Spending insights are currently available for 118 118 Money credit card customers. Anyone in the UK can download 118M8 and use the pause tools.
Pause it
Download 118M8 before the next everyday budget decision
Use 118M8 to make daily spending easier to see and new purchases easier to question.