Launched January 7, 2025
118M8
See what your money really costs
Subscription236 impressions#246 of its week
118M8 shows the true cost of spending by converting prices into hours worked, helping you make smarter money decisions.
118M8 converts prices into hours worked and visualizes spending to help you make smarter money decisions.
- for
- UK consumers who want clear insight into their spending habits.
- pricing
- freemium · free trial
works withOpen Banking118 118 Money credit card
Key features
6 features of 118M8
- Open Banking Dashboard — Connect all UK accounts and cards to see a complete financial picture.
- Spend Breakdown — View top spend categories and merchants instantly.
- Spend Calendar — See when spending occurs to spot patterns around paydays and weekends.
- Spend Trends — Track month-to-month and year-on-year habit changes.
- Clock It — Convert any price into hours of work based on your hourly rate.
- Number Generator — Create a pause before impulse purchases with a 24-hour reminder.
Use cases
- Identify recurring small purchases that add up over time.
- Compare product prices by the amount of work needed to earn them.
- Plan a 24-hour cooling-off period before impulse buys.
- Track spending trends across months to improve budgeting.
118M8 FAQ
Is 118M8 free to use?+
Yes, the app can be downloaded and used for free; Premium features require a paid subscription.
Do I need a credit card to start the free trial?+
No credit card is required; you can try Premium free for 30 days.
What data does 118M8 access?+
It connects to your UK bank accounts and cards via secure Open Banking provided by an FCA-regulated provider.
Can existing 118 118 Money customers get extra benefits?+
Yes, they receive an additional 6 months of Premium free when they link their main income account during the trial.
Is the app available outside the UK?+
The app is built specifically for the UK and requires UK bank accounts.
Summarized by DevHunt from 118m8.com · Oct 4, 2026. Details may change; check the official site.
