Story Maker
Build a 9:16 Story with a background image and text.
Instagram's own interface adds reply bars, sticker tray shortcuts, and your profile picture over the top and bottom of every Story, regardless of what you design here. Keeping important text and faces away from those two edges — even though this canvas won't show the overlay itself — is what actually prevents your design from being covered once it's posted.
This same 9:16, 1080×1920 canvas is shared with the Reel Cover Maker on this site, so a background built here often works as a starting point there too, with only the safe-zone margins needing adjustment. Text sized to read comfortably on a phone screen — rather than sized for how it looks zoomed in while designing — tends to hold up better once it's actually viewed at arm's length in someone's feed.