Sam
Ask Sam about your month
Sam reads your transactions and your budget. Ask "how am I tracking this month?" or "am I overspending on food?" and the answer comes from your own numbers.
A money coach that asks first.
Buckeroo is a budgeting app for Australians, now in closed beta. Sam, its coach, drafts a budget from your pay and answers questions from your own transactions. Nothing changes until you approve it.
I keep your email in the United States to tell you when your invite is ready. Write to hello@onthedot.dev and I'll delete it. Privacy policy
Look, don't touch
Buckeroo can see your transactions. It can't move your money.
Your bank's own screen
You'll approve read-only access on your bank's own consent screen, under the Consumer Data Right. Buckeroo never sees your password.
Your data isn't for sale
I don't sell it or share it with advertisers, and Buckeroo takes no commission on any financial product.
What I'm building.
Three of these work in the app today. I've built bank connection and I'm testing it.
Split your pay into pouches
Give each dollar of your pay a pouch, like rent or groceries. Spend from one and every pouch shows what's left.
Bank connection, in testing
You'll approve read-only access on your bank's own screen, and a Sync button pulls your transactions in. I'm testing it before anyone's real bank goes through it.
Your monthly money story
Each month opens with a headline on what you kept, then money in, spending, your savings rate and where the money went. Just under the headline, Buckeroo fills in Sam's note from the month's figures.
Sorted by smoko.
Three steps from the waitlist to your first budget.
Get your invite
Join the waitlist and I'll email you when your batch opens. Batches are small, with family and friends first and then the waitlist in the order people joined.
Bring your money in
Import your history from YNAB, or add your accounts by hand. Connecting your bank comes once it's out of testing.
Approve Sam's budget
Sam drafts a budget from your monthly pay. Approve it, or tell Sam what to change.
Every finance app I've used either lectures me or tries to sell me a credit card.
The free ones I tried ran ads for credit cards that paid them a commission. The paid ones wanted every coffee sorted into a category before they'd tell me anything.
So I'm building Buckeroo. Sam answers in plain English from your real transactions and drafts the budget for you to approve.
- No ads
- No commissions on products
I'm testing it with a small group before it goes public. The waitlist is how the next batch gets in.
Join the waitlistBefore you join
Still wondering something? Write to hello@onthedot.dev. A real person reads it.
When are you launching publicly?
Late 2026 is the aim, with no firm date. I'm testing with a small group until four things work well: connecting a bank, splitting your pay into pouches, a useful chat with Sam, and the monthly money story. You'll get an email the day it opens to everyone.
How do I get an invite?
Join the waitlist with your email. I send invites in batches of 5 to 10 people, with family and friends first and then the waitlist in the order you joined. I read every batch's feedback and fix what it points at before the next batch opens.
Will it cost money?
There will be a free tier and a paid tier. I haven't decided what each one includes or what paid costs, and won't until launch.
Is my data safe?
You'll connect your bank on your bank's own consent screen, under Australia's Consumer Data Right. Buckeroo can then read your accounts, balances and transactions, and nothing more. It never sees your password and can't move money. Bank connection is still in testing. Buckeroo stores your data on servers in the United States, so it does leave Australia. I don't sell it or share it with advertisers, and Buckeroo takes no commission on any financial product. You can disconnect a bank or delete your account at any time.
What does the AI coach do?
Sam reads your transactions, pouches and goals and chats with you about them. Ask "am I overspending on food this month?" or "help me plan my next pay" and Sam answers from your own numbers. When Sam wants to change something, like making a new pouch or moving $200 of budget from holidays to rent, it asks first. That only changes your plan. Your bank balance stays where it is.
Australia only?
Yes, for now. Bank connection runs on Australia's Consumer Data Right and budgets are in AUD. Other countries could come after public launch, but not soon.
I already use another budgeting app. Can I switch?
From YNAB, yes. Export your register as a CSV and Buckeroo imports your history, skipping anything it already has. Other apps don't have an importer yet.
Why does the email come from onthedot.dev?
While I'm testing, I send from onthedot.dev, an address I already had set up, so emails don't land in junk. Replies reach a real person. The sender moves to @buckeroo.com.au at public launch.
Want in?
The waitlist is the only way in during closed beta. I'll email you when your invite is ready.
I keep your email in the United States to tell you when your invite is ready. Write to hello@onthedot.dev and I'll delete it. Privacy policy