Try PhotoScissors for your overlays, they are great for removing backgrounds.
Try Canva for creating backgrounds.
Try Compresspng to compress png images, because the images need to be under a certain size (mb) to be uploaded
I use these and 5hey are beyond amazing.
Are all of these free and do you find PhotoScissors easy for removing a background from text? I’ve tried a few other programmes but they end up cutting some of the text out to.
I use my app to make overlays and art works(I use ibis paint x)
If u need help pm me separately. And if u need any art works u can request in my art shop