Lipik
Lipik, a free open-source dictation app for Mac (https://github.com/Gourav2609/lipik). Hold fn, talk, let go, and clean text lands in any app: ums and self-corrections removed, spoken punctuation turned into real punctuation. Speech-to-text and clean-up both run on the Mac. On my 106 English test clips, lines that came out fully right went from 28% to 76% with clean-up on. Right now I'm working on Hinglish (Hindi + English in Roman letters). It gets 7 of 20 test lines fully right, so there's a long way to go.