# 118M8 - Financial Fitness — Your Financial Fitness mate > Financial fitness app for spending clarity and smarter money decisions. (iPhone/iPad app by 118118Money.com.) - Source: https://appshunter.io/ios/app/118m8-financial-fitness/id6746726155 (this page in markdown: same URL + `.md`) - Developer: [118118Money.com](https://appshunter.io/developer/1288122252) - Category: Education, Lifestyle - Price: Free - Rating: 4.20/5 from 20 App Store ratings · 6 written reviews indexed - Age rating: 12+ - Requires: iOS 15.1 · 92 MB - Languages: English - Released: 2025-11-18 - Data updated: 2026-08-30 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/118m8-financial-fitness/id6746726155/reviews.md ## What is 118M8? Your money, your choices - with more clarity than ever. 118M8 is the spending app from 118 118 Money, built to help you make smarter decisions in the moment - not judge you after the fact. No budgets. No guilt. No spreadsheets. Whether you're about to tap your card for something unplanned, trying to understand where your money really goes, or just want to feel more in control - 118M8 gives you simple, practical tools for real life. 118M8 is free to download and open to everyone - you don't need to be a 118 118 Money customer to use it. Just download, connect your accounts, and start seeing where your money really goes. SPOT IT. CLOCK IT. CHOOSE IT. SPOT IT - connect your bank accounts and cards with Open Banking to see all your spending in one place, across brands, categories and time. Finally understand where your money really goes. CLOCK IT - turn any price into hours worked with the Wait Game. Suddenly that impulse buy looks very different. CHOOSE IT - pause before unplanned spending with the Number Generator and Sleep on It. Small moments, better decisions. FREE - start straight away, no card needed Wait Game - see what anything costs in your actual time Number Generator - a low-pressure pause before unplanned spending Sleep on It - give yourself space before a big decision Spending insights for 118 118 Money credit card customers Available to download for free by anyone in the UK - no 118 118 Money account needed PREMIUM - see the complete picture Connect your accounts with secure Open Banking and unlock the full picture of your money: All your accounts and cards in one place Spending tracked by brand, category and time See how your habits are changing month by month Understand where your money really goes 118M8 is open to everyone. Just download, connect all your UK accounts, and see the complete picture TRY PREMIUM FREE FOR 30 DAYS Sign up now – no credit card needed. Start a 30-day free trial and see the complete picture of where your money goes before paying a penny. After that, just £1.99/month. Cancel any time. - All your accounts and cards in one place with Open Banking - Spending tracked by brand, category and time - Month-to-date, year-to-date and year-on-year comparisons - Spending breakdowns by merchant, category and frequency - Interactive money tools to reflect on your habits NOT A 118 118 MONEY CUSTOMER? No problem. 118M8 is for everyone. ALREADY A 118 118 MONEY CUSTOMER? YOU COULD GET UP TO 7 MONTHS FREE Start your 30-day free trial - connect the account where your main income lands and unlock an extra 6 months of Premium, completely free. That's over half a year to see the complete picture of your money before paying a penny. After that, just £1.99/month. Cancel any time. WHY 118M8? - Open to everyone - no 118 118 Money account needed to download or use the app. - From 118 118 Money - a name you already know - Built specifically for the UK - Secure Open Banking connections via an FCA regulated provider - Designed for real spending decisions, not perfect budgeting - No judgement. Ever. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - 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 ## Recent user reviews (6 of 6) All indexed reviews: https://appshunter.io/ios/app/118m8-financial-fitness/id6746726155/reviews.md ### 5/5 — I like the concept *2026-04-22* 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 :) ### 5/5 — Mark *2025-11-21* Great app! Really helping me think about my spending. 😎 ### 1/5 — This isn’t innovative *2025-11-21* 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 **Developer response:** 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. ### 5/5 — Great app! *2025-11-19* So quick and easy to use. Really make me think about what need to buy. I will use this daily. **Developer response:** Thank you very much! Always remember: pause before you pay! ### 5/5 — Cool and fun *2025-11-18* Can’t say if it’s useful so far but it’s really funny and interesting app :) **Developer response:** Glad you are enjoying it! Loads more features coming. ### 5/5 — Love it! *2025-11-18* Brilliant way of thinking about how what I spend - or don’t spend! **Developer response:** Thanks so much! We hope you are spending your hours wisely! ## Frequently asked questions about 118M8 ### 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. ## Version history (last 5 releases) ### 3.0 — 2026-06-25 - 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. ### 2.2 — 2026-03-04 We've added a few enhancements to help us better understand how the app is used. ### 2.1 — 2026-02-17 This update includes several bug fixes and minor improvements to enhance the overall app experience. ### 2.0 — 2026-02-13 - Choose it: add a short, playful pause between “want it” and “buy it” with a simple decision nudge. - Clock it: turn prices into hours worked so you can sense-check what something really “costs”. - Pause it: Hit “sleep on it” and set a 24-hour pause. We’ll send you a reminder tomorrow - so you can choose to buy with a clear head. - Spot it: See your spending in pictures not numbers: clear spend insights that help you spot patterns and trends. - 118M8: Build Financial Fitness - one small choice at a time. ### 1.4 — 2025-12-19 This update provides bug fixes and includes performance improvements. ## More apps by 118118Money.com - [118 118 Money](https://appshunter.io/ios/app/118-118-money/id1580928422) All apps by 118118Money.com: https://appshunter.io/developer/1288122252 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-30.*