118M8 - Financial Fitness

118M8 - Financial Fitness

Your Financial Fitness mate

20 ratings
6 reviews

Details

  • Released
  • Updated
  • November 18, 2025
  • June 25, 2026

Features

118M8 - Financial Fitness screenshot #1 for iPhone
118M8 - Financial Fitness screenshot #2 for iPhone
118M8 - Financial Fitness screenshot #3 for iPhone
118M8 - Financial Fitness screenshot #4 for iPhone
118M8 - Financial Fitness screenshot #5 for iPhone
🖼️Get Icon
Icons↘︎

About

Gain clarity on your spending habits with practical tools designed for real-life decisions. Understand where your money goes, reframe impulse buys, and pause before unplanned purchases. Available for everyone in the UK, with options to connect accounts for a complete financial overview.

Connect bank accounts via Open Banking
Track spending by brand, category, and time
Reframe costs in terms of hours worked (Wait Game)
Pause unplanned spending with Number Generator
Reflect on decisions with Sleep on It tool
Monthly spending comparisons
Show original description

What's New in 118M8

3.0

June 25, 2026

- Introducing 118M8 Premium with a free trial. - Connect your bank accounts securely with Open Banking. - Unlock advanced spending analysis and personalised insights. - Improved spending categories and transaction classification. - Performance improvements and bug fixes to enhance your experience.

More

User reviews

I like the concept

I like the concept of putting it into perspective that saving £10 a day really does add up to £300 a month. I struggle with impulsive spending and I’m hoping this app will give me pause when I need it.

I only gave 4 stars because not all of the app is fully functional yet, I hope it’ll be coming out soon as I really think seeing the pie chart of money will help me budget better so I can finally start being financially stable again :)
Show more

Mark

Great app! Really helping me think about my spending. 😎

This isn’t innovative

What a pointless app. If you need to ask an app if you should spend money then I think you have bigger problems. I saved over a million pounds as I didn’t buy the yacht i was dreaming of. Pointless

Response from developer

We’re sorry to hear our app didn’t hit the mark for you. 118M8 is designed to give us all a moment to pause and reflect before spending, not to make decisions for us. We totally get that it won’t be helpful for everyone. Your feedback is really useful for us as we keep developing the pipeline of features that will make the app even bigger and better. Thank you.

Great app!

So quick and easy to use. Really make me think about what need to buy. I will use this daily.

Response from developer

Thank you very much! Always remember: pause before you pay!

Cool and fun

Can’t say if it’s useful so far but it’s really funny and interesting app :)

Response from developer

Glad you are enjoying it! Loads more features coming.

Developer apps

FAQ

What is 118M8?

118M8 is a financial fitness app designed to help you understand your spending and make smarter money decisions. It offers tools to track your expenses, reframe costs, and pause before unplanned purchases.

Is 118M8 free to use?

Yes, 118M8 is free to download and use. You can start tracking your spending immediately without needing a 118 118 Money account or providing a credit card. A premium subscription unlocks additional features.

What does the premium version of 118M8 offer?

The premium version of 118M8 allows you to connect all your UK accounts via secure Open Banking for a complete financial picture. It provides detailed spending breakdowns, month-to-date and year-on-year comparisons, and interactive money tools.

How much does 118M8 Premium cost?

118M8 Premium costs £1.99 per month after a 30-day free trial. You can cancel your subscription at any time. 118 118 Money customers may be eligible for up to 7 months of Premium free.

Does 118M8 have ads?

No, 118M8 does not contain advertisements. The app is free to download and use, with an optional premium subscription for enhanced features.

What is the Wait Game in 118M8?

The Wait Game is a feature in 118M8 that allows you to convert the price of an item into the number of hours you would need to work to afford it. This helps reframe impulse buys and encourages more thoughtful spending.

Is 118M8 safe to use with my bank accounts?

Yes, 118M8 uses secure Open Banking connections through an FCA-regulated provider, ensuring your financial data is handled safely and privately. You do not need to be a 118 118 Money customer to use these secure connections.

What devices is 118M8 available on?

118M8 is available for download on iPhone and iPod devices. The app is designed for users in the UK and was last updated on June 25, 2026.