This is a little further stretch, not just a program. Sign up for gmail and then sign up for google voice number (google.com/voice). All messages left on your gv number are automatically transcribed.
I use it to make notes and chronographical entries for work.
Hope this helps.
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How much value do you want to get out of this "pay once" program? Do you seen an on-going need to save time and money by dictating ample-length emails, SMS, appointments, memos, tasks or contact notes? Do you want consistent reliability of voice-to-text conversion? "Voice to text" can mean different things to different users, so please do your research and decide.
A day will come when 100% consistent, 100% reliable, full-featured speech-to-text for mobile apps will be built into your Mobile OS. But that day isn't here yet.