If you want a free online tool to add speech bubbles and text captions to your photos, Infools is a great option. It converts ordinary photos into comic-book style cartoons with speech bubbles and text captions. You can customize line thickness, color saturation and text captions without any expertise. It's free to use and you can share your results on social networks, so it's good for social media posts, graphic design and education.
Another option is Quicktools, a free online collection of more than 50 AI tools. It's not just for photo editing, but you can add text to images, create captions and even create fancy fonts. It's easy to use and requires no registration or payment, so it's a good general-purpose tool to spruce up your photos and other creative projects.
Last, Pixlr is a well-established online photo editing suite with a lot of advanced features and AI tools. It includes Pixlr Express for quick edits and Pixlr Designer for creating templates and animations. It doesn't have a specific speech bubble tool, but its full range of editing options and text manipulation tools let you add captions and other text to your photos.