DevFinanceTools VS Utterly App

Utterly App's answer:

Utterly is one of very few transcription apps that runs entirely on-device with zero cloud dependency. Every word is processed locally on Apple's Neural Engine — no audio ever leaves your device, no account required, no internet needed.

It delivers real-time live captions, voice dictation, and file transcription in a single app, supporting 26 languages with automatic switching. Most competitors sacrifice either privacy, speed, or accuracy. Utterly doesn't compromise on any of the three.

Utterly App's answer:

• Privacy — Unlike Otter.ai, Rev, or cloud-based Whisper tools, your audio never touches a server. Critical for confidential meetings, medical conversations, or anyone who values privacy.
• Speed — Real-time streaming transcription, not batched processing. Words appear as they're spoken.
• Versatility — Live captions for meetings, dictation that inserts text at your cursor in any app, and file transcription with word-level timestamps and subtitle export — all in one lightweight app.
• No lock-in — Works fully offline, no account needed, and free users get meaningful functionality without a paywall blocking basic use.

Utterly App's answer:

• Deaf and hard-of-hearing users who rely on live captions for meetings, calls, and daily conversations
• Remote workers who want searchable records of video calls without trusting a third party with their audio
• Journalists, researchers, and students who transcribe interviews and lectures
• Multilingual professionals who switch between languages throughout their day
• Privacy-conscious users in healthcare, law, and finance where audio data simply cannot leave the device

Utterly App's answer:

Utterly started with a real person's need. The founder and his wife run an online language school, and one of their students was partially deaf — she relied on lip reading and asked if they could provide "subtitles" for the lessons.

Looking for a solution, nothing available met all three requirements: private, fast, and accurate. Most tools managed two out of three.

Knowing the field had advanced significantly with on-device neural models, the founder decided to build something that satisfied all three — and Utterly was born. That student says it changed her life, and she now uses live captions daily for remote work too.

That's the bar the app is built to meet: technology that meaningfully changes how people communicate.

Utterly App's answer:

• Swift & SwiftUI — Native Apple experience across macOS and iOS
• CoreML on Neural Engine — optimised AI model running locally for real-time inference
• Zero cloud dependencies — No networking stack, no cloud APIs, no telemetry SDKs