Do I have 2.94 or 3.23 ?

There is a smartphone app that tells you your mph. As was said, only way to know the ratio for sure is to count turns. Too many other variables...... converter slippage, tire size, speedo gear, speedo inaccuracy, tach inaccuracy.......

True
I'll probably find out for sure when I swapped them for 3.91 lol

I'm gonna keep them though for long trips
The previous owner said he got about 20 mpg with them.

I live in the Toronto area I don't use the highway much.

But will get that app like to know if the speedo is correct