[member='Enduri Jaii']
I'm not 100% sure on this, but GIMP is completely free... I *believe* that PSD's can be opened in GIMP, though the likes of [member="Jorus Merrill"] will know better. I don't think online Photomanipulation sites will work with it.
If you PM me what you're wanting to be made, I can whip it together in a few minutes for you.