Every feature built around one question: is this income reliable?
Beacon Hashvault brings structure to irregular earnings — surfacing risk, tracking patterns, and giving you a clear read on your financial position before it becomes a problem.
A complete picture of your supplemental income
Each feature addresses a specific blind spot that independent earners run into — inconsistent pay, unclear risk exposure, and no easy way to plan ahead.
Income volatility scoring
We analyse the pattern of your incoming payments over time and assign a volatility score, so you can see at a glance whether a stream is stable, seasonal, or erratic.
Multi-source aggregation
Combine earnings from several platforms, clients, or gigs into a single view, instead of piecing together numbers from separate apps and spreadsheets.
Risk flagging
Automated checks highlight sudden drops, missed payment cycles, or concentration in a single client — the kind of signals that are easy to miss until it's too late.
Scenario modelling
Test "what if" situations — a slow month, a lost contract, a rate cut — and see the projected effect on your runway before it actually happens.
Plain-language summaries
Every report comes with a written explanation of what the numbers mean, so you're not left interpreting charts on your own.
Exportable reports
Download a clean summary of your income analysis to keep for your own records or to share where it's useful.
How the core analysis works
Volatility scoring
Understand the shape of your income, not just the total
A single monthly figure hides a lot. Beacon Hashvault looks at the frequency, size, and timing of each payment to build a volatility score — so two people earning the same annual amount can see very different risk profiles.
This matters when you're deciding whether to take on a loan, plan a big purchase, or set money aside for a slow period.
Risk flagging
Catch warning signs before they compound
Dependence on a single client, a gradual decline across several months, or a missed expected payment — these are flagged automatically as they appear, with a note on why they were raised.
Flags are informational, not automated decisions. You decide what to do with the information.
Scenario modelling
Plan for the slow month before it arrives
Adjust inputs — fewer hours, a cancelled contract, a seasonal dip — and see how your projected runway and risk score shift in response. It's a way to pressure-test your finances without waiting for the real thing to happen.
How the analysis is built
We keep the underlying logic visible rather than treating it as a black box.
- Income data is grouped by source and reviewed over rolling time windows, not single snapshots.
- Volatility and risk scores are calculated from historical patterns in your own data.
- Flags and scores update automatically as new data comes in.
- All outputs include a short explanation of the factors behind the result.
Designed for income that doesn't arrive on a fixed schedule
Most budgeting tools assume a steady salary landing on the same date each month. Beacon Hashvault starts from the opposite assumption — that your income varies — and builds its features around tracking that variation clearly.
That means fewer generic dashboards, and more features that actually answer the question independent earners ask most often: can I rely on this income next month?
See your income risk profile for yourself
Connect your income sources and get your first volatility and risk analysis — no commitment required to take a look.