Your financial fitness mate
Credit Card Spending Tracker App That Keeps You Calm
118M8 helps you track credit card spending patterns without guilt. See trends, categories, and top merchants, then use simple tools that create a pause before impulse buys.
- ✓Spot your spending trends over time (weekly, monthly, yearly)
- ✓See top merchants by total spend and visit frequency
- ✓Turn prices into hours worked before you commit
- ✓Sleep on it: a 24-hour reminder when you want space
From 118 118 Money. Free on iOS and Android.
Spending Visibility
Track your card spend in a way that actually helps
A tracker is only useful if it changes what you notice. 118M8 shows the patterns that drive everyday overspending—then gives you quick ways to interrupt them.
Trends over time
Compare recent spend and view totals weekly, monthly, or yearly so you can see what’s changing—not just what happened yesterday.
Top merchants and categories
Find where your money goes most often. See top spend categories and merchants by value so the ‘small stuff’ doesn’t stay invisible.
Frequency view
Notice repeat spending even when each purchase is small. It’s a simple way to spot the habits that quietly add up.
Made for real credit card life
Credit cards are fast. That’s why 118M8 focuses on clarity and timing:
- ✓Statement change view so you can see what’s moved since last month
- ✓Merchant naming hints so unfamiliar references make more sense
- ✓Daily updates so your view stays current
At the moment, spending insights are available for 118 118 Money credit card customers.
Decision Tools
A spending tracker that helps before you spend
Tracking is useful, but the biggest wins often happen at the exact moment you’re about to buy. 118M8 adds quick ‘pause tools’ you can use in seconds.
Clock it
Convert price to hours worked
When you see the time cost, spending becomes personal. It’s not about ‘can I afford it’—it’s ‘is it worth my time’.
Try a quick check below (simple maths, not advice).
Quick Check
Quick hours-worked check
Enter an item price and your take-home hourly pay to see the time cost.
This purchase costs
0.0 hours
If you buy it weekly
That’s 0.0 hours of take-home time per week.
Use your take-home pay if you want the ‘real’ time cost. This is simple maths, not financial advice.
Choose it
The Number Generator
A neutral, playful pause. Great when peer pressure is loud and you want a moment to think.
You choose what happens next: Buy, Don’t Buy, or Sleep on it.
Pause it
Sleep on it for 24 hours
Set a reminder instead of buying. Tomorrow you can decide with a clearer head.
If you still want it after 24 hours, buy it guilt free.
Get started
Download 118M8 and track your spending with intent
Free on iOS and Android. Use it daily in 30 seconds: spot the pattern, clock the cost, and choose what matters.
What a credit card spending tracker should do
- ✓Make spending visible without shaming you
- ✓Show trends and frequency (not just totals)
- ✓Help at the moment of purchase
- ✓Keep you in control of every decision
118M8’s approach
We’re not here to tell you to cut everything out. We help you build Financial Fitness through four simple prompts:
Credit Card Spending Tracker App FAQs
Does 118M8 track all my credit cards?
Right now, 118M8 shows spending insights for 118 118 Money credit card customers. In future releases, you’ll be able to link other accounts you choose to share.
How often is spending updated?
Spending information is updated daily.
Is 118M8 a budgeting app?
118M8 is a spending companion. It helps you spot patterns and use in-the-moment pause tools (hours worked and a 24-hour reminder) to make intentional choices.
Is the app judging my spending?
No. 118M8 is designed to be calm and respectful. It gives you visibility and simple decision tools, and you stay in control.
118M8 is a companion tool and is not financial advice.