Spending Tracker App
Spending tracker app that shows hours worked.
118M8 turns a price into the time it takes you to earn it. That quick translation makes day-to-day spending decisions feel clearer, calmer, and easier to stick with.
Example
£45 becomes 3 hours
If you take home £15 per hour, a £45 purchase is three hours of your time.
What you can track with 118M8
- •Potential purchases (before you spend).
- •The time cost of each decision in hours worked.
- •Your “almost bought” list and the patterns behind it.
Why 118M8
A spending tracker app for the moment you spend
A lot of spending trackers help after the month is over. 118M8 helps earlier: right when you are about to buy something and want a quick reality check.
Track decisions, not just totals
Log potential purchases as they happen. You build awareness without setting up categories, accounts, or budgets.
Convert money to time instantly
Use your take-home pay to see what a price costs in hours worked. One number you can actually feel.
A calm habit you can keep
No shaming language. Just a gentle pause that helps you choose what matters to you.
What it is
A spending tracker you can use in seconds
- •Enter your earnings once.
- •Type a price when you are tempted to spend.
- •Decide now, or set a 24-hour pause.
What it is not
Not a strict budget that makes you feel behind
- •No bank login required.
- •No long setup or spreadsheets.
- •No guilt if you decide to buy it.
Want to see how it feels with your numbers?
Try the calculator below, then download the app if it clicks.
How It Works
Three quick steps you will actually use
Set your earnings
Use your hourly rate, monthly take-home, or yearly income.
Enter a price
See the hours straight away. No extra setup.
Pause, then choose
Buy, do not buy, or sleep on it and decide tomorrow.
Try It
See your spending in hours in under 30 seconds
Enter your earnings and a price. The time updates instantly, just like in the app.
Track your triggers, not just your spending
When you save things you almost bought, you start to notice patterns: tired scrolling, Friday treats, convenience spending, or boredom. That is the kind of insight that changes habits.
Works well for everyday choices
- •Food delivery
- •Clothes and shoes
- •Subscriptions and add-ons
- •Impulse checkout moments
Decision Pause
Sleep on it, then decide with a clearer head
If you are unsure, set a 24-hour reminder. Tomorrow you can decide calmly and see what the choice costs in hours.
Pause first, decide later. If you still want it tomorrow, buy it and move on.
If you do not buy it, 118M8 can add that amount to your savings tracker.
A spending tracker that respects your choices
The goal is not perfection. It is to make the next decision a little more deliberate, so your money follows what you actually value.
Download
Start tracking spending in hours today
If the hours view feels more honest than a budget you will not open, 118M8 is built for you.
Free on iOS and Android
Set your earnings, save potential purchases, and get a simple pause before you spend. Built by 118 118 Money.
Works without open banking. Future features may include optional connections and deeper insights.
Good for
- •Impulse spending you regret later
- •Convenience spends that add up quietly
- •Building a calmer “pause first” habit
A simple question
Would you still buy this if you had to work those hours tomorrow?
FAQs
Quick answers
Is 118M8 a spending tracker app?
Yes. It helps you track spending decisions by logging potential purchases and showing what they cost in hours worked.
Does it connect to my bank?
Not right now. 118M8 works without open banking. Open banking connections are planned for future features.
Is it free?
Yes. 118M8 is free to download on iOS and Android.
Do I need to make an account?
No. You can start with a guest experience. Creating an account helps keep your history if you change or delete your phone.
Is 118M8 only for 118 118 Money customers?
No. Anyone can use the app, but it is built with 118 118 Money customers in mind and future tools may be tailored to them.
From 118 118 Money
118M8 is built to help 118 118 Money customers feel calmer about day-to-day spending. No lectures. Just clarity.
Read 118 118 Money reviews on Trustpilot