Affinity Photo 2

Affinity Photo is the app you recommend when someone says "I hate paying Adobe every month." It handles 90% of what Photoshop does — layers, masks, RAW development, HDR merge, focus stacking — for a one-time $69.99. The Universal License covering Mac, Windows, AND iPad is the cherry on top. It won't replace Photoshop for heavy compositing or if you rely on specific Photoshop plugins, but for the vast majority of photographers it's more than enough.