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Nichi is a free app with paid purchases. I have the monthly subscription and I think it's totally worth it—it has a lot of really cool templates, stickers, frames and filters. I use it for covers, Instagram stories, and wallpapers! It's super cute and easy to use.
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It allows you to save templates, so if you make one thing, you can keep using the same layout. It also has plenty of premade templates to use, and a plethora of stickers and frames and backgrounds.
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I use this app the most out of anything else! I definitely recommend checking it out.
