HoldSpeak types what you say into the Mac app where the cursor is. The developer says transcription stays on the Mac, with no account, and that you pay once after a 7-day trial. It needs Apple silicon and macOS 14.6 or later. The site did not list a dollar price when this was checked.
Productivity
HoldSpeak for Mac
Dictation into any Mac app, on the device, paid once.
Paid⚡ Productivity
