Budget Tracker App
Budget tracker app for everyday spending habits
118M8 helps you spot where money keeps going, review repeat costs, and pause before quick purchases quietly turn into a bigger budget problem.
Free on iOS and Android. From 118 118 Money.
Budget signals
The spends worth noticing
A lighter way to question everyday costs.
Before the next tap, Clock it.
118M8 turns a price into hours worked, so a quick buy feels easier to judge before money leaves.
Spot it
Track the budget leaks that hide in routine spending
Budget tracking works best when it makes the next decision clearer. 118M8 helps frequent merchants, repeat costs and spending categories stand out before they become background noise.
Merchants
See where money keeps going
Frequent merchants are easier to question when they stop blending into normal card use.
Categories
Spot the habits behind the spend
Food, shopping, transport and entertainment decisions become clearer when you can see the wider pattern.
Trends
Notice what has changed
A small weekly creep can become a monthly budget issue. Seeing the movement early makes it easier to respond.
Spending insights are currently available for 118 118 Money credit card customers. Spending information is updated daily.
Clock it
A budget tracker should help before the spend happens
Looking back is useful. Changing the next choice is better. 118M8 adds a quick reality check while the purchase is still optional.
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 pressure out of sales, quick checkouts and late-night scrolling.
Review repeat costs
Subscriptions and familiar merchants are easier to challenge when the pattern is obvious.
Choose it
Frequently asked questions
Can I use 118M8 as a budget tracker app?
Yes. 118M8 helps eligible users review spending patterns, frequent merchants and repeat costs. It is designed to make everyday spending easier to notice, not to replace a detailed forecasting spreadsheet.
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.
Is 118M8 financial advice?
No. 118M8 does not give financial advice, move money or make payment decisions. It helps you see patterns and make your own spending choices.
Pause it
Download 118M8 before the next budget leak
Use 118M8 to make daily spending easier to see and new purchases easier to question.