Family Budget App
Family budget app for calmer household spending
118M8 helps families make calmer spending decisions in the moment: spot where money keeps going, compare prices with hours worked, and pause before quick purchases become household habits.
Free on iOS and Android. From 118 118 Money.
Budget check
Four household 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 shared spending feels easier to judge before anyone commits.
Spot it
See the pattern behind the purchases
A family budget is most useful when it changes the next decision, not just the spreadsheet. 118M8 helps regular merchants, categories and household 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 the wider household pattern is easier to see.
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
Pause the spend before it turns into a habit
The best time to question a family purchase is before everyone has drifted into yes. 118M8 adds a pause at the point where choices still feel changeable.
Turn prices into hours worked
A purchase feels different when a price is translated into the hours 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 family budget app?
Yes. 118M8 helps eligible users review spending patterns, frequent merchants and category trends. It also adds pause tools for purchases the household is still deciding on.
Does it replace a full household budget spreadsheet?
No. 118M8 is built for quick spending awareness and calmer decisions. If the household needs 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 household spending decision
Use 118M8 to make family spending easier to see and shared purchase decisions easier to question.