The real question isn't price. It's vault depth.
Onit is free. ThoughtMic isn't. That's the right comparison only if you're comparing two dictation apps.
But they're not the same product. Onit's job ends when text appears at your cursor. ThoughtMic adds a second job: that same voice capture also writes a structured note into your knowledge vault — with a generated title, suggested tags pulled from your existing tag taxonomy, and backlinks resolved against notes you already have. If you don't have a vault, ThoughtMic's second job is invisible — and the fair conclusion is "Onit is enough."
The price-anchor objection, addressed directly
If you've read this far, you've already noticed: Onit is free, ThoughtMic is $8/mo (or $99 once for the lifetime tier). That gap is real. We're not going to argue around it. The right way to evaluate is: what would the $8/mo (or one-time $99) buy you that "free local Whisper" doesn't? Read the table, read the "where ThoughtMic wins" column, and ask honestly whether those features change your workflow. If the answer is no, take Onit's free tier — it's a good deal.
Why "vault-native" matters (when it does)
If you live in Obsidian or Logseq, you've already invested in a tag system, folder hierarchy, and a personal lexicon of [[wikilinks]]. A pure dictation app — even a free, polished one — treats every dictation as a fresh string of text dropped at the cursor. ThoughtMic treats every dictation as a candidate note in your vault, structured the way you've already structured the rest of it. That's not a small detail; that's the entire pitch. If you don't have a vault, it doesn't apply to you.
Why review matters more than capture
Capturing thoughts is the easy part. The reason most voice-note workflows fall apart is the Collector's Fallacy — you accumulate hundreds of #inbox entries you never re-read. ThoughtMic ships a dedicated weekly review surface: hit ⌥⇧ R, walk through every captured note, hit one of four keys (Discard / Keep / Promote / Archive). Most weeks, five minutes clears the inbox. Onit doesn't have a review surface because Onit's job ends at the cursor — once your text is dropped, it's the destination app's problem.
Why MCP matters
ThoughtMic ships a local Model Context Protocol server. Your vault becomes queryable from Claude Desktop, Cursor, and any other MCP-compatible AI tool — without leaving your machine, without uploading anything. Your voice notes from last Tuesday become context for an AI conversation today. No free dictation app we know of offers this, because it requires the second job (writing structured notes into a vault) to even make sense.
A note on transcription speed and quality
Both apps run Whisper locally. Transcription quality is essentially identical — they share the same underlying model architecture. Latency varies by model size and hardware; ThoughtMic ships Whisper Large V3 Turbo with Metal acceleration, end-to-end in the 700–1500ms range on M-series Macs. If you want sub-300ms streaming, the only path right now is cloud-based dictation — and you'd be giving up the local-first guarantee both ThoughtMic and Onit hold to.
"Onit is great if pure dictation is what you want, and you want it free. ThoughtMic is a narrower, deeper tool: you pay because it writes directly into your Obsidian or Logseq vault. If you don't use a Markdown vault, Onit is probably the right pick."