118M8
118M8 helps you see the true cost of everyday spending—in time, not just money.
About
118M8 is a unique personal finance tool that helps you understand the true cost of your everyday spending—not just in dollars, but in the time it takes to earn that money. By translating purchases into hours of your life, 118M8 offers a powerful perspective on the value of your time and encourages more mindful financial decisions. Whether it’s your morning coffee, a night out, or a subscription service, 118M8 calculates how much time you actually spend working to afford it, helping you identify habits that may be quietly consuming your life. With its intuitive interface and clear visualizations, this tool makes tracking spending not only insightful but also motivating, empowering you to prioritize both your money and your time wisely. Perfect for anyone looking to gain control over finances, make thoughtful choices, and see the bigger picture of what everyday expenses truly cost.
Key Features
Hours-based Cost Converter
Instantly convert any item price into the number of hours you need to work to pay for it using an hourly, monthly or yearly earnings input.
Sleep On It Reminder
Tap 'Sleep On It' to set a 24-hour pause reminder so you can reconsider impulse purchases and avoid unplanned spending.
Savings Tracker & Goals
Track money and hours saved when you decide not to buy something, set savings targets (e.g., weekend away) and monitor progress toward milestones.
Adjustable Earnings Profile
Enter gross or take-home (net) hourly/monthly/yearly income and tweak assumptions (monthly/annual hours) so conversions reflect your real-life situation.
Share Wins & History (Account Optional)
Register to save your history and share achievements (hours saved, goals hit) with friends — or use without registering for quick, private sessions.
How to Use 118M8
1. Set your earnings: enter your hourly, monthly or yearly pay (net or gross) so conversions reflect your take-home reality. 2. Enter a price: type in the cost of the item or subscription — 118M8 instantly shows how many hours of work it takes to afford it. 3. Decide: choose Buy, Don't Buy, or Sleep On It. Use 'Sleep On It' to set a 24-hour reminder and avoid impulse buys. 4. Track progress: use the savings tracker and goals to see hours and money saved over time; register to preserve history and share milestones.