Every tool built around one question: what could go wrong first?
Creeton combines predictive risk scoring, income smoothing, and portfolio guardrails into a single view designed for people whose earnings don't arrive on a fixed schedule.
Most tools react. Creeton looks ahead.
Freelancers and independent investors juggle irregular income, variable expenses, and market exposure at the same time. Standard budgeting apps and brokerage dashboards were not built for that overlap — they show what already happened, not what's likely to happen next.
Creeton was built around a different principle: surface risk before it becomes a problem, and give you clear, specific actions rather than vague warnings.
One dashboard, built for irregular income
Creeton pulls together your income patterns, outstanding obligations, and portfolio positions into a single risk-aware view. Rather than treating cash flow and investments as separate problems, the platform tracks how they affect each other — so a slow invoice month and a volatile market week don't hit you at the same time.
Every feature below is designed to work together, not as a standalone add-on.
What's inside Creeton
Predictive Risk Scoring
A continuously updated score that weighs income volatility, spending commitments, and market exposure together — rather than scoring each in isolation. The score moves before your account balance does, giving you a head start.
- Flags emerging risk days or weeks ahead of a shortfall
- Accounts for overlapping income and market volatility
- Updates automatically as new data comes in
Income Smoothing Projections
Creeton models your historical income pattern to project realistic ranges for the weeks ahead — not a single average figure that hides the swings. You see the likely low, the likely high, and what each means for upcoming commitments.
- Range-based forecasts instead of misleading averages
- Highlights which upcoming bills carry the most pressure
- Adjusts automatically as invoices or payments land
Portfolio Guardrails
Set thresholds for exposure, concentration, or drawdown, and Creeton monitors them continuously. When a position drifts toward a boundary you've defined, you're notified with context — not just a number, but what triggered it.
- Custom thresholds tailored to your own risk tolerance
- Context-rich alerts explaining the underlying driver
- Works across multiple linked accounts and positions
Scenario Simulation
Before you make a decision — taking on a new client, shifting allocation, or pausing retainer income — run it through Creeton's simulation to see the projected effect on your risk score and cash position over the following weeks.
- Test decisions before committing to them
- Compare multiple scenarios side by side
- See projected impact on both income and portfolio risk
Designed for how you actually work
Freelance Consultants
Smooth out irregular retainer and project income while keeping an eye on invested savings.
Income + risk, one viewIndependent Investors
Set guardrails on concentration and drawdown without watching the market every hour.
Continuous monitoringContract Workers
Plan around gaps between contracts with realistic income range projections.
Creative Freelancers
Know which upcoming invoice is carrying the most financial pressure.
Side-Income Earners
Keep a second income stream from quietly eroding your primary financial plan.
See how these features work with your own numbers
Connect your accounts and get a first look at your risk score, income projection, and portfolio guardrails — no commitment required.
Secure Your Growth