Polarr has versions for Mac and Windows and a free mode. Source: over 2 years ago

I mainly use offline means: organising all my files in a hierarchy of folders and using pureref (which I highly recommend) to make moodboards, and ofc an external hard drive to save backups. The only online means I use is google drive for online backups. Source: almost 2 years ago

If you just want the image to be a transparent overlay while you draw 'through the image'(with it being unchanged) you can use something like Pureref(pureref.com) to set the image as always on top + turn opacity down a bit. Source: almost 2 years ago

If you can’t get it to work inside of max, I thought of a free easy workaround you could try. I use the software pureref to manage and quickly access reference images. You could just resize an empty pureref window to cover your username. Change the color and opacity to whatever you want, lock the window and switch turn on the transparent to mouse option and you should be good to go! Source: about 2 years ago

The high kicking girl on the right is in a PureRef board I keep to practice gesture. Source: almost 3 years ago