Finance Tracker
Finance tracker app for calmer everyday spending
118M8 helps you see where money keeps going, question repeat costs, and pause before a quick purchase turns into another expensive habit.
Free on iOS and Android. From 118 118 Money.
Finance check
The costs worth noticing
A simple view for everyday money habits.
Before the next tap, Clock it.
118M8 turns a price into hours worked, so everyday spending feels easier to judge before money leaves.
Spot it
Track the money habits that hide in plain sight
Finance tracking is most useful when it makes everyday decisions visible: where you return, what repeats, and which small costs quietly become normal.
Merchants
See where money keeps going
Frequent merchants are easier to question when they stop blending into normal card use.
Trends
Compare weeks and months
A quick trend view can show when food, shopping or entertainment spending has started creeping up.
Choices
Slow the next decision
118M8 adds a pause layer so you can question the next spend while the decision is still yours.
Spending insights are currently available for 118 118 Money credit card customers. Spending information is updated daily.
Clock it
A finance tracker should help before the spend happens
Looking backwards helps, but the real win is changing the next decision. 118M8 gives a purchase a quick reality check before it becomes another line in the history.
Turn prices into hours worked
A £45 purchase feels different when it becomes three hours of take-home work.
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 finance tracker?
Yes. 118M8 helps eligible users review spending trends, frequent merchants and repeat costs. It is designed for clearer everyday spending decisions, not full investment tracking or financial advice.
Does it replace a full budgeting app?
No. 118M8 is built for spending awareness and calmer decisions. If you need detailed forecasting, a dedicated budgeting tool or spreadsheet 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 quick spend
Use 118M8 to make money habits easier to see and everyday purchase decisions easier to question.