Professional tools like Adobe Photoshop or free online editors like Canva let you type directly over an image and save it as a JPG.
You can use Microsoft Word by inserting the JPG, saving it as a PDF, and then reopening that PDF in Word to convert it into editable text. Img jpg
Depending on what you need, there are three main ways "text" relates to a JPG image: it from an existing image, adding it to a new image, or using alt text for web accessibility. 1. Extracting Text from a JPG (OCR) Professional tools like Adobe Photoshop or free online
If you want to create an image with text on it (like a caption or a quote): saving it as a PDF