Step 1: Is the image a photograph or a graphic?
If the image is a photograph with continuous color, gradients, and fine detail, move toward JPG. If the image is a screenshot, logo, diagram, icon, or any graphic with text, sharp edges, or flat color areas, move toward PNG. This is the primary fork in the decision tree and should override almost every other consideration. A photograph saved as PNG will be unnecessarily large without any quality benefit. A graphic saved as JPG will be visibly degraded without any meaningful file size advantage. When in doubt, examine the image at 100% zoom and ask whether the critical information is conveyed by color variation or by edge precision. Color variation means JPG. Edge precision means PNG.
Step 2: Does the image need transparency?
If the image must have transparent or semi-transparent areas, PNG is the only universally compatible choice. JPG does not support transparency and will flatten transparent areas to a solid color. This question is a hard stop: if the answer is yes, JPG is eliminated. If the answer is no, continue to the next step. For web workflows, WebP is an increasingly viable alternative to PNG for transparency, but PNG remains the fallback for systems that do not accept WebP.
Step 3: Will the image be edited repeatedly?
If the image is a work-in-progress that will be cropped, annotated, color-corrected, or composited, choose PNG for the editing phase to avoid generational loss. Only generate a JPG at the final delivery stage. If the image is a one-time final deliverable that will not be modified, JPG is acceptable for photographic content. This step is about protecting the master file from degradation. Even if the content is photographic, if you know you will need to edit it again, keep the working copy as PNG or raw and export JPG only for the final version.
Step 4: What are the destination constraints?
Check the file size limit, format restrictions, and display size of the destination platform. A social media platform may accept PNG but compress it to JPG internally, making the PNG upload pointless. An email system may reject attachments over 2 MB, forcing a JPG conversion of a large PNG screenshot. A web content management system may only accept JPG and PNG, eliminating WebP as an option. A print service may require TIFF or high-quality JPG. The destination constraints can override the content-based decision. If the destination requires JPG, use JPG regardless of content type and compensate with a higher quality setting. If the destination has a strict file size limit, you may need to accept some quality loss to meet the requirement.
Step 5: Can you use WebP as a compromise?
If the destination is a modern web browser and the content is mixed, WebP can often deliver the best of both worlds. WebP lossy mode handles photographs better than JPG at equivalent file sizes. WebP lossless mode handles graphics almost as well as PNG at smaller file sizes. WebP supports transparency in both modes. The only limitation is that some older systems and tools do not support WebP. For web publishing, the standard approach is to provide WebP as the primary format with a JPG or PNG fallback. For design and document workflows, PNG remains the safer universal choice. If you are publishing on the web and your audience uses modern browsers, WebP is the format that makes the PNG vs JPG debate less urgent.