Pines Voice puts dictation in every Mac app. Hold or tap the right Option key, say the sentence, let go, and the words appear at your cursor in any app with a text field. It runs on local models by default, and it works offline. For cloud models you can use OpenAI, Groq or OpenRouter key and see the cost of each dictation beside the transcript. A dictionary spells names your way every time. Free for 3 days, then $5 a month or $29 a year.
