Marketed as the free WisprFlow
A good second stop after Handy, especially if you want the option of a cloud model without a subscription.
OpenWhispr's positioning is its feature set: replicate the paid experience with open parts. In practice you get a reliable push-to-talk transcriber with a settings pane for choosing where inference happens.
Stability lags the commercial tools, and the project's small maintainer base shows in the release cadence.
No, though cloud model usage is billed by whichever provider you configure.