Buff Ratio

Clear Financial Choices, Based on Your Numbers. Buff Ratio is a simple utility that helps you compare two common financial approaches: reducing expenses or increasing income. By using your current income and expense values, the app calculates and compares the financial outcome of each option. You see the absolute difference, overall efficiency, and which approach has a stronger impact in your specific situation. Buff Ratio is designed to remove unnecessary complexity. Instead of assumptions, forecasts, or generic advice, it provides a straightforward comparison based on clear inputs. The interface highlights the more effective option immediately and shows how the result was calculated, so the logic is easy to understand. The app works fully offline, requires no accounts, and does not connect to external services. All data stays on your device and is never shared. Buff Ratio helps you make informed financial decisions with clarity, simplicity, and confidence.