if you know how to do it, there are a ton of free templates our there for corel or illy or photoshop..
i can not figure out how to use them..
so i use
ShirtMockup.com - Upload your art. Mock it up. Download your image for FREE!
they give you 1 or 2 for free.. but trust me, for the 10 bucks a month, the paid version is well worth it..
many different styles of shirts for men and women. polo's, hoodies, distressed, flat, 3-d, etc...
i use it daily.
the paid version is also a much larger image