Using Gimp 2.10.18 A little more hands on than PS but more individual. Your work rather than someone else.
ref screenshots: https://i.imgur.com/nL9X2qe.jpg
1. Open the image Add a new layer. Layer -> New layer Fill the new layer with white. Use a large brush and paint in some 'folds'
2. Apply a strong gaussion blur Filters -> Blur -> Gaussian Blur about 50 with Abbyss policy set to white
ref screenshots: https://i.imgur.com/0Ptuwyx.jpg
3. Turn the visibility of the top layer off. Make the bottom layer active. Open the Displace filter `Filters -> Map -> Displace' Click on the top question mark icon. In the layers pop-up select your folds layer.
4. With the folds as Aux 1 Input adjust the sliders a small amount 10 or 12 (depends on the image) and Ok to complete
5. Back to the folds layer, make it visible, set the mode to Multiply, reduce the layer opacity to suit.
ref screenshots: https://i.imgur.com/nL9X2qe.jpg
1. Open the image Add a new layer. Layer -> New layer Fill the new layer with white. Use a large brush and paint in some 'folds'
2. Apply a strong gaussion blur Filters -> Blur -> Gaussian Blur about 50 with Abbyss policy set to white
ref screenshots: https://i.imgur.com/0Ptuwyx.jpg
3. Turn the visibility of the top layer off. Make the bottom layer active. Open the Displace filter `Filters -> Map -> Displace' Click on the top question mark icon. In the layers pop-up select your folds layer.
4. With the folds as Aux 1 Input adjust the sliders a small amount 10 or 12 (depends on the image) and Ok to complete
5. Back to the folds layer, make it visible, set the mode to Multiply, reduce the layer opacity to suit.