Spot it
Track where your money goes
See top spends, merchant frequency, categories, and changes over time so your spending history becomes easier to understand at a glance.
Your financial fitness mate
Expense Tracker App to See Where Money Goes
118M8 helps you track spending in a way that feels calm and useful. See your patterns, spot repeat spends, and use simple tools that help you pause before the next purchase rather than only reviewing it later.
- ✓See spending trends over time
- ✓Spot top merchants and categories
- ✓Clock purchases in hours worked
- ✓Pause with a 24 hour reminder
Free on iOS and Android from 118 118 Money.
An expense tracker should do more than show a list of transactions
Seeing what you spent matters, but the real value is understanding the pattern behind it. 118M8 helps you notice where money goes, what keeps repeating, and how your spending shifts over time so you can feel more in control of everyday decisions.
See the bigger picture
Weekly, monthly, and yearly views make it easier to spot the shape of your spending, not just one payment at a time.
Catch repeat spends
Top merchants and visit frequency can highlight habits that are easy to miss when each spend feels small.
Make prices feel real
Use Wait to turn a price into hours worked so a quick buy feels more tangible.
Pause without pressure
Sleep on it and the Number Generator create space to think without guilt or lectures.
How 118M8 works as an expense tracker
For 118 118 Money credit card customers, 118M8 brings together spending visibility and in the moment decision tools. That means you can review patterns and also use the app before the next non essential spend.
Clock it
Turn prices into hours worked
The Wait tool adds a useful layer that many expense trackers miss. It helps with the next decision, not only the last one.
Choose it
Use a neutral decision prompt
The Number Generator creates a short, playful pause that can help cut through pressure and autopilot spending.
Pause it
Come back in 24 hours
If the answer is not clear, Sleep on it lets you revisit the purchase tomorrow with a calmer perspective.
Track patterns
Notice what keeps coming back
A good expense tracker helps you move from isolated spends to meaningful patterns. 118M8 can show what you spend most on, where you spend most often, and how those habits compare with the previous period.
- 01Review weekly, monthly, and yearly spend views
- 02See top merchants by total spend and by frequency
- 03Spot category trends and changes versus the previous period
- 04Build awareness without feeling judged for spending
Spending insights update daily for 118 118 Money credit card customers.
Try the Wait idea
Use an expense tracker before the expense happens
Most trackers help after the purchase. 118M8 also helps before it. If you are about to spend, turn the amount into time worked and see whether it still feels worth it.
Quick check
£
Use gross or take home pay. The point is perspective, not perfection.
£
This costs
0 hours
of time worked
Big time cost. Consider waiting.
Made for everyday decisions
Spend with intention, not guilt
118M8 is not built to lecture you or tell you to cut everything out. It is there to help you sense check spending, stay aware of what matters, and decide what feels right in the moment.
Useful when you review spending
Look back at trends, categories, and repeat merchants to understand where money went.
Useful when you are about to spend
Use Wait, Sleep on it, or the Number Generator when you need a fast, calmer decision.
If you want an expense tracker that also helps in the moment, start with 118M8
Download 118M8 to track spending patterns, see where your money goes, and give yourself a better pause before the next purchase.
118M8 is a companion tool that helps you understand spending and sense check purchases. It is not financial advice.
Frequently Asked Questions
What makes 118M8 different from a typical expense tracker?
118M8 does more than show spending history. It helps you spot where your money goes, see spending trends, and use in the moment tools like Wait, Sleep on it, and the Number Generator before you spend.
Can I use 118M8 as an expense tracker if I am a 118 118 Money customer?
Yes. For 118 118 Money credit card customers, 118M8 shows spending insights such as trends over time, top merchants, categories, and frequency so you can understand your day to day spending more clearly.
Does 118M8 replace budgeting or banking apps?
No. 118M8 is a companion that helps you understand spending and make calmer purchase decisions. It complements your existing products rather than replacing them.
Who is 118M8 for?
118M8 is designed for 118 118 Money customers who want an easy way to sense check purchases and keep their goals on track. It also fits people who want a calmer way to make everyday spending decisions.
Which devices are supported?
118M8 is available on both iOS and Android, with web access planned for the future.