This app was mentioned in 5 comments, with an average of 1.40 upvotes
Something like a tablet would work the app is on google play store here is link: https://play.google.com/store/apps/details?id=com.wandapps.multilayerphoto basically you add a skin file first the add a photo over it which will be what you want to combine it with.
Gimp is a desktop program. There are image editors for phones too, depending on what platform you're on (Aka Android or ios). On android after a quick play store search the following seems to work: https://play.google.com/store/apps/details?id=com.wandapps.multilayerphoto . There might be better ones though, I didn't spend too much time looking into it.
Here's what I use:
https://play.google.com/store/apps/details?id=com.wandapps.multilayerphoto
theres an app called multi layer which is pretty good for meme making and i use itheres the link