118M8 - Financial Fitness
Your Financial Fitness mate
Only for iPhone
Free · Designed for iPhone
iPhone
118M8 – your Financial Fitness mate
118M8 is the Financial Fitness app from 118 118 that helps you build better day-to-day spending habits. It turns prices into hours worked, creates simple pauses before you buy, and gives you time to reflect and “sleep on it” before you spend – without judging how you use your money.
118M8 gives you quick, simple tools to help you see where your money goes, make more confident choices and feel more in control.
Build Financial Fitness, one small choice at a time
118M8 is about progress, not perfection. Use it regularly and you’ll start to:
Spot where your 118 118 spend really goes
Clock what purchases cost in hours worked, not just pounds
Choose with more confidence using short, playful pauses
Pause before you pay, instead of regretting it afterwards
Clock it – Turn prices into hours worked
Ever wonder if something you want to buy is really worth it?
Clock it helps you see what a purchase truly costs in hours of your time, not just pounds:
Enter how much you earn (per hour, month or year)
Type in the price of something you’re thinking of buying
Instantly see how many hours you’d need to work to earn that amount
Then you choose: Buy, Don’t Buy, or Sleep on it (set a 24-hour reminder).
It’s a simple way to sense-check everyday spending. You’re in complete control – 118M8 just helps you spend your hours wisely.
Choose it – A playful pause between “want it” and “buy it”
Ever find yourself spending on things you don’t really need, or because of other people?
Choose it adds a light-touch pause before you pay:
Use Number Generator as a fun, neutral nudge
Pick a number between 1 and 8 (or choose odds vs evens)
Tap to generate a number
If it matches, you can go ahead and buy
If it doesn’t, you get to save that money for something that matters more to you
If you’re still not sure, Sleep on it sets a 24-hour reminder. If you still want to buy it tomorrow, great.
If not, you’ve just kept that money for something better.
Choose it doesn’t move or hold your money and never makes decisions for you. It simply creates space, so your spending feels more deliberate and more you.
Spot it – See where your 118 118 spend goes
118M8 unlocks a dedicated Money section that shows your 118 118 card spend in pictures, not just numbers:
This month vs last month – see how your card spend has changed
Spending over time – weekly, monthly or yearly trends
Top spend categories – like groceries, eating out or transport
Top merchants by spend – the brands where you’ve spent the most
Top merchants by frequency – the places you visit most often, even for small amounts
Changes over time – see percentage changes so you can decide whether to do anything differently next time
These insights update daily and are designed to help you notice trends, not feel judged. 118M8 doesn’t tell you what you should or shouldn’t buy – it simply makes your credit card spend easier to understand so you can make more informed choices.
118 118 card customers: log into 118M8 using the same details you use for your 118 118 Money mobile app to start seeing your spend trends.
A smarter way to stay on top of your money
118M8 is designed to help you feel more in control of everyday spending – without telling you what to cut.
118M8 doesn’t give financial advice and won’t tell you how to spend your money. Instead, it puts clear information and simple tools in your hands, so you can make the choices that feel right for you.
This update includes several bug fixes and minor improvements to enhance the overall app experience.
The developer, 118118Money.com, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- User Content
- Identifiers
- Usage Data
- Other Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Location
- Browsing History
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Provider
- Madison CF UK Ltd
- Size
- 76.6 MB
- Category
- Education
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- Languages
- English
- Age Rating
13+
- 13+
- Copyright
- © 2025 Madison CF UK Ltd