If you are looking for free tools with commercial capabilities, you might consider:
Houdini 19 set a high bar for proceduralism and simulation speed, making it an excellent starting point for aspiring FX artists. SideFX Houdini 19 Free Download
Open-source, industry-standard, fully free for commercial use. If you are looking for free tools with
High-performance solver for hair, fabric, and soft bodies. Pyro FX: Realistic fire and smoke simulations. SideFX Houdini 19 Free Download