Microsoft Designer
Free enough to be worth having on the taskbar and genuinely good at one-off social graphics, but the credit pool is small and shared, so it is a convenience tool rather than something a design workflow can lean on.
Pros
- Usable for free with a Microsoft account and no separate purchase
- Output stays layered and editable instead of arriving as a flat image
- Runs on web, Windows, iOS and Android with the same account
Cons
- 15 free credits a month is a handful of generations, not a workflow
- The 60-credit subscriber pool is shared with Copilot across Office, so Designer competes with Word for it
- Credits reset monthly with no rollover
- No API and no published standalone pricing page