Household Budget App
Household budget app for calmer shared spending
118M8 helps households spot where money keeps going, turn prices into hours worked, and pause before small shared costs turn into regular habits.
Free on iOS and Android. From 118 118 Money.
Household check
Three costs worth questioning
A simple way to notice what keeps repeating.
Before the next household purchase, Clock it.
118M8 turns a price into hours worked, so a quick buy is easier to judge before anyone commits.
Spot it
See the spending pattern before it becomes normal
Household spending rarely goes wrong in one dramatic moment. It usually drifts: the same shops, the same subscriptions, the same small taps that become background noise.
Merchants
Notice repeat places
Frequent merchants are easier to discuss when they stop blending into normal card use.
Categories
Review spending by type
Food, shopping, travel and entertainment choices become clearer when the wider pattern is visible.
Pauses
Slow the next decision
A quick pause gives the household a chance to ask whether the cost still feels worth it.
Spending insights are currently available for 118 118 Money credit card customers. Spending information is updated daily.
Clock it
Make everyday costs easier to question
A household budget app should help before money is gone, not just explain it afterwards. 118M8 gives the next purchase a simple reality check.
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 short delay can take the pressure out of sales, quick checkouts and late-night scrolling.
Review repeat costs
Recurring charges and familiar merchants are easier to challenge when the pattern is obvious.
Choose it
Frequently asked questions
Is 118M8 a household 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 shared spend
Use 118M8 to make household spending easier to see and everyday purchase decisions easier to question.