Comparison

Buft vs Hoya Pay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Buft

This app simplifies the concept of compounding with a fun, visual approach. It helps users understand the power of early investment and the impact of spending decisions on future growth.

Highlights
  • Visual compounding calculator
  • Educational fun
  • Spending decision impact analysis
  • Early start benefits visualization
  • User-friendly interface
Features
Read full description

Get ready to be Buft away! Introducing "Buft" – the simplest, most entertaining compound calculator you've ever met. Inspired by the no-nonsense wisdom of Warren Buffet and Charlie Munger, Buft is here to make the magic of compounding not just understandable, but downright fun. Forget about the complexities of investing; it's time to focus on the power of simple compounding! Why Buft? Because Simple is the New Smart! 01. Visualize Compounding Like Never Before: Who knew watching numbers grow could be this exciting? Buft transforms the mystery of compounding into a visual fiesta! 02. Embrace the "Sit-On-Your-Ass" Philosophy: Discover how doing less could mean more for your future. It's not about being lazy; it's about being smart. And Buft is your smart companion! 03. To Spend or Not to Spend? Buft It! About to buy that shiny new gadget? Hold up and Buft it! See how much that amount could grow over time with the magic of compounding. It’s like having a financial fortune-teller in your pocket! 04. Start Early, Smile Often: Buft is all about showing you the wonders of starting early. The longer you let your money compound, the bigger your smile gets! 05. Simplicity at Its Finest: Buft is not an investment tool; it's the easiest compound calculator you'll ever use. Period. Features: - User-Friendly Interface: So simple, even kids can use it (and learn from it)! - Compounding Calculator: Play with numbers and watch them grow in real-time. - Educational Fun: Learn the basics of compounding without any jargon. Disclaimer: Buft is a utility app designed for educational and entertainment purposes. It is not an investment tool or financial advisor. It's the simplest way to visualize the power of compounding.

About

Hoya Pay

Features
Read full description

HoyaPay — All-in-one digital asset HoyaPay is your smart digital finance partner, combining asset management with virtual/prepaid card services. Easily apply for cards, top up, spend, and manage assets—all through a secure, intuitive app. Key Features Global Access: Available for users in multiple regions. Quick Onboarding: Verify identity and activate cards in-app. Multi-Chain Top-Up: Supports major blockchain networks. Secure & Compliant: Follows local regulations with licensed partners. Online & In-Store Spending: Use with supported merchants. Instant Alerts: Real-time transaction notifications. Clear Asset Tracking: View balances and history anytime. Advanced Security: Multi-layer protection for your account. All-in-One Management Track cards, assets, and spending in one place—easy and efficient. Our Mission We aim to make digital finance safe, simple, and fair. Whether you're new or experienced, HoyaPay helps you thrive in the digital economy. Web: https://www.hoyapay.com Contact us: support@hoyapay.com

Screenshots

Buft2 screens
Hoya Pay4 screens

Verdict

The call

The clearest difference is update cadence: Hoya Pay at weekly against Buft's every 4 months. On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Buft ships an update every 4 months, Hoya Pay weekly. The most recent releases landed on October 10, 2026 and October 3, 2026 respectively.

Scorecard1 real difference · 9 level
Buft versus Hoya Pay: the parameters behind the verdict, then further details
ParameterBuftHoya Pay
PriceFreeFree
Rating5.0 (1 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings1 — better—
Update frequencyEvery 4 monthsWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhoneiPhone, iPod — better
Requires iOS16.015.0 — better
Further details — not scored
Size2 MB138 MB
Age rating4+4+
DeveloperSteale LLCBi Te Bao Technology Co., Ltd.

In-app purchases

None

Buft

No in-app purchases

None

Hoya Pay

No in-app purchases

Questions

Is Buft free?
Buft is free to download, with no in-app purchases.
Is Hoya Pay free?
Hoya Pay is free to download, with no in-app purchases.
Do Buft or Hoya Pay have ads?
Neither Buft nor Hoya Pay shows ads.
Which is updated more often, Buft or Hoya Pay?
Buft ships an update every 4 months, and Hoya Pay weekly. Most recently, Buft was updated on October 10, 2026 and Hoya Pay on October 3, 2026.

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