Creatine is a compound your body already makes, mostly in your liver and kidneys, using building blocks from protein. You also get it from food, mainly meat and fish. So this isn't an exotic chemical. It's something you're carrying around right now.
Its purpose comes down to fast energy. Creatine, stored as phosphocreatine, helps regenerate ATP, the little energy currency your cells spend constantly. When a cell needs a quick burst of power, phosphocreatine is part of how it pays for it. Tissues that demand a lot of energy in rapid, unpredictable bursts benefit most, which is why muscle and brain are the headline beneficiaries. As the International Society of Sports Nutrition lays out in its detailed position stand on creatine, roughly 95 percent of your creatine lives in skeletal muscle, with the remainder spread through other tissues including the brain, and its documented uses stretch well past athletics into aging, mood, metabolic health, and brain protection.
One more thing worth settling early: the most-studied, most affordable form is plain creatine monohydrate. The fancier, pricier versions on the shelf haven't been shown to beat it. When this article says "creatine," that's the form it means.
If you want a quick snapshot table, scroll to the bottom of the article.