Spot it
Track expenses by trend merchant and category
See what changed this week this month or this year. Top spends, repeat merchants, and category views make it easier to understand where your money is actually going.
Your financial fitness mate
Income and Expense Tracker App
118M8 gives you a clearer view of your spending so day to day money feels easier to manage. Spot where your money goes, notice patterns over time, and use simple tools that help you pause before an unplanned purchase turns into regret.
- ✓See weekly monthly and yearly spending trends
- ✓Track top merchants categories and repeat spending
- ✓Turn prices into hours worked before you buy
- ✓Pause with sleep on it and the Number Generator
Free on iOS and Android from 118 118 Money.
A tracker is only useful if it helps you act on what you see
Many people do not need more noise. They need a simple way to understand where the money is going and a calmer way to make the next spending decision. 118M8 combines visibility with in the moment tools, so tracking does not stop at the report.
See the pattern
Review spend over time and spot merchants or habits that keep coming back.
Feel the real cost
Turn a price into hours worked when you want a quick sense check before buying.
Pause instead of react
Use sleep on it or the Number Generator when the answer does not feel clear yet.
Stay practical
The tone stays calm and useful so you can make decisions without guilt or lectures.
What you can track inside 118M8
118M8 is built around everyday spending visibility. For 118 118 Money credit card customers, it gives you a clear picture of your outgoings and helps you make better calls in the moment.
Clock it
Check whether a purchase is worth the hours
An income and expense tracker becomes more useful when it helps with the next decision too. The Wait tool reframes a price in hours worked so the cost feels more real.
Choose it
Use a neutral tool when the pressure is on
The Number Generator creates a short decision break when you feel rushed or pushed into spending. You still choose what happens next.
Pause it
Give yourself 24 hours before the money leaves
When you are unsure, sleep on it. A day later, many purchases feel less urgent and easier to judge properly.
Expense visibility
Know where the outgoings are adding up
A useful expense tracker does more than list transactions. It helps you understand what keeps recurring, which merchants take the most, and whether the pattern is changing. That is where 118M8 is strongest.
- 01See top spends and transaction activity in one place
- 02Compare current periods with previous ones to spot movement
- 03Notice repeat merchants that quietly build into bigger totals
- 04Keep the view practical and easy to act on
Spending insights update daily for 118 118 Money credit card customers.
Income perspective
Use your earnings to sense check a spend before you commit
If you searched for an income and expense tracker, you are probably trying to connect what comes in with what goes out. 118M8 does that in a simple, practical way by showing what a potential purchase costs in hours worked. It is a fast reality check for moments when you want a clearer answer.
Try the idea
£
Use gross or take home pay. The point is perspective, not perfection.
£
This costs
0 hours
of time worked
Big time cost. Consider waiting.
Decision tools
Tracking is more helpful when it changes the next choice
Seeing the numbers matters. What you do next matters even more. 118M8 gives you two simple ways to slow the moment down when a purchase feels tempting, rushed, or driven by pressure.
Number Generator
A playful neutral pause before you spend. Useful when you want to step back without overthinking it.
Sleep on it
Set a 24 hour reminder and come back tomorrow. Distance often makes the right decision easier to see.
If you want an income and expense tracker, start with one that helps you spend with intention
118M8 helps you spot what is happening, sense check what comes next, and make calmer spending choices. Download the app and try it on your next everyday decision.
118M8 is a companion tool that helps you understand spending and sense check purchases. It is not financial advice.
Frequently Asked Questions
Can 118M8 work as an income and expense tracker?
Yes. It helps you keep track of spending clearly, notice patterns over time, and make calmer choices before new expenses happen.
Does 118M8 show both income and spending?
118M8 mainly focuses on spending visibility and spending decisions. For 118 118 Money credit card customers, it shows trends, categories, top merchants, and changes over time so your outgoings are easier to understand.
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 suits people looking for a calmer way to handle everyday spending.
Does 118M8 replace my 118 118 Money account?
No. It complements your existing products by adding everyday spending insights and in the moment decision tools.
Which devices are supported?
118M8 is available on both iOS and Android, with web access planned for the future.