What app can I use to write above or below picture on white background?

Often you see Instagram photos that have a white background with their picture in front of the white background and your text captions written above or below the photo (meaning the text is written on the white background, not written on the photo itself).

The app "Backsplash" does exactly this and it is shown in the screenshot below. This app allows you place or move your photo anywhere on the white canvas background simply by tapping your finger to place it. You can also enlarge or shrink your picture to give more space to your white background for writing. You then add your text captions and you can easily move the text around simply by tapping your finger. The final photo is always saved as a perfectly square image showing your photo and text captions placed in front of the white background.