[shade]

I'm deaf, so I test a lot of speech to text and transcription apps from an accessibility point of view.

My answer to "why have a monthly subscription" would be that you need capabilities that Whisper doesn't handle well, like real-time transcription in noisy environments.

That's not the niche you're targeting here, though. :)

My experience is that Whisper - not being built for real time speech to text - isn't as good at it as other tools are. You can hack something together by stacking together progressively more audio frames to feed to Whisper to give it context, but IME, you're going to get better results from a model that's designed for real-time STT in the first place, or by using a service like Azure Speech to Text which has excellent noise resilience... but which is also an ongoing cost which would justify a subscription. Real-time Whisper also devours your battery quickly.

That said - while I've had very good experiences with Parakeet in MacWhisper, I'm curious if you evaluated Apple's SpeechAnalyzer APIs at all. It's unfortunately limited macOS/iOS/iPadOS 26+ since it's a new API, but it's on device, has comparable quality of results to Whisper Large v3 Turbo and Parakeet, and seems to be better on battery usage.