Spot it
See where your money goes
For 118 118 Money credit card customers, 118M8 highlights trends, categories, top merchants, and changes over time so repeated spending is easier to catch.
Your financial fitness mate
Save Money App That Helps You Pause
118M8 is a save money app for everyday decisions, not lectures. It helps you spot where your money goes, clock what a purchase really costs in hours worked, and create enough pause to make calmer choices before you buy.
- ✓See prices in hours worked instead of only pounds
- ✓Pause for 24 hours before non essential spending
- ✓Notice repeat spends and spending patterns
- ✓Use quick tools that help without guilt or pressure
Free on iOS and Android from 118 118 Money.
A save money app should help before the spend happens
Many money apps focus on budgets, reports, or roundups after the fact. 118M8 is built for the moment when you are about to spend. That is where small pauses can turn into better choices and more money left for what actually matters.
Make spending visible
Seeing trends, top merchants, and categories makes saving feel grounded in real habits.
Make cost feel real
A price in hours worked is often easier to question than the same price in pounds.
Make space to think
A short delay can reduce impulse and make your next step feel more deliberate.
Stay kind to yourself
The goal is not deprivation. It is feeling more in control of everyday spending.
How 118M8 helps you save money in real life
Saving money is usually the result of clearer day to day decisions. 118M8 gives you four simple ways to make those decisions with less rush and more perspective.
Clock it
Turn prices into hours worked
The Wait tool reframes a purchase in terms of your time. That change in perspective can make it easier to decide whether the spend feels worth it.
Choose it
Use a neutral decision moment
The Number Generator gives you a playful pause before spending, which can help cut through pressure and heat of the moment buying.
Pause it
Sleep on it for 24 hours
When the answer is not obvious, give yourself a day. Many purchases feel less urgent after the moment has passed.
Clock it
Try the hours worked view
One of the fastest ways to save more money is to interrupt automatic spending. Seeing a purchase as part of your working day can be the pause that changes the decision.
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.
Looking for a save money app that helps in the moment
Download 118M8 and give your next spending decision a little more time, a little more perspective, and a much calmer next step.
118M8 is a companion tool that helps you sense check spending decisions. It is not financial advice.
Frequently Asked Questions
What makes 118M8 a save money app
118M8 helps you save money by making spending decisions clearer before you buy. You can spot where your money goes, turn prices into hours worked, use a neutral decision tool, and set a 24 hour reminder before spending.
Is 118M8 a budgeting app
It is closer to a spending companion than a traditional budgeting app. It is designed to help with everyday purchase decisions while also giving eligible users visibility into spending patterns and trends.
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 who want a calmer way to approach day to day spending.
Does 118M8 replace the 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.