[imaka]

Deepgram is cloud (not local, not OSS) but their free tier is basically unlimited for personal use, so $0 forever.

Want fully local? Whisper is open source and runs 100 % on your Mac. Tiny/faster models are just one line in the code away — anyone can add them in 30 seconds (PR welcome )

Both options free, zero data sent if you pick Whisper.