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To make a thumbnail for a YouTube video, you can use a graphic design software such as Adobe Photoshop or Canva.

Here are the basic steps to create a thumbnail using Photoshop:Open Photoshop and create a new document with the dimensions of 1280x720 pixels.
Add the elements you want to include in your thumbnail, such as images, text, and shapes.
Use the editing tools to adjust the size, color, and position of each element.
Save the image as a JPEG or PNG file.

In Canva you could use their pre-designed templates for youtube thumbnail and edit them according to your need and then save it as image.

You can also use online tools like Thumbnail maker, Fotor, etc.

It's important to remember that YouTube thumbnails should be visually interesting, clear, and accurately represent the content of the video.