I went to check it out for myself at PicMonkey,com, and it's spooktacular - they've got a whole pile of Halloween themes to choose from - Vampires, Zombies, Witches and more.
I decided to ghoul-up this lovely photo of my son and daughter:
And now the little cherubs look like this:
And if kitschy spiders aren't your thing, here's another ghoulish look instead:
I'm having so much fun with it, I may need to spookify a few more photos.
I was not compensated for this post, just diggin' the PicMonkey.