Twenty kilobytes is very small for a photo
A phone photo is often several megabytes, which is hundreds of times more than 20 KB. Getting under the limit means giving up pixel size, not just quality.
That is why a 20 KB limit feels impossible in an ordinary photo editor: dragging a quality slider down far enough turns the picture into coloured squares. This tool takes a different route. It keeps quality at around 70 percent or better, where a JPG still looks clean, and finds the largest pixel size that fits. In our tests a detailed 3000 × 2000 photo came out at about 610 × 410 pixels — small, but sharp and clearly recognisable, which is what a form reviewer is checking for.