If you want to check which of your apps is 32 bit (or 64 bit), simply go to the Apple > System Report > scroll down to Applications; you will see if they are 64 bit (yes or no) in the right column. No need to download another app.
If you have older MS programs or an older version of Photoshop, check the developers' sites for options; most current versions are now on a subscription basis although some are available for a one time purchase. For MS apps, you can try the free Libre office prgram. A less expensive alternative to Photoshop might be Affinity Photo.