Learn the skills needed to create water reflections in your images using Photoshop filters
Go to File>Open and choose your file. Double-click the Background layer to unlock it and rename it Sunset. Go to Image>Canvas Size and enter 200% for the Height, selecting the top-middle anchor point.
Duplicate the layer by going to Layer>Duplicate Layer (Cmd/Ctrl+J) and rename the layer Reflection. Go to Edit>Transform>Flip Vertical and reposition the layer to the bottom of the image using the Move tool (V).
Create a new layer and name it Displacement. Go to Edit>Fill and fill the layer with black. Go to Filter>Noise>Add Noise and set an Amount of 75%. Use Gaussian for Distribution and tick the Monochromatic option.
Next we need to add a little blur to the Displacement layer. Go to Filter>Blur>Gaussian Blur. Add a Blur Amount of 5px. You can use a larger blur if you want larger ripples.
Now we need to add a touch more contrast to the displacement. Go to Image>Adjustments>Levels. Enter 56 for the Shadows input level and 85 for the Highlight input level. Leave the midtones as they are.
Go to Filter>Filter Gallery. Select the folder Sketch, then select the Bas Relief filter. In the Settings menu, set the Detail to 2, the Smoothness to 2 and set the Light option to Bottom. Click OK when you have finished.
We need to add a little motion to our displacement, which will be the start of our water effect. Do this by going to Filter>Blur>Motion Blur. Set the Angle to 0 and the Distance to 35px.
Go to Edit>Free Transform, click on the top control handle and drag it down to the middle of the image. Ctrl/right-click inside of the selection and choose Perspective. Click on the lower-right control handle and drag it out to the right.
Making sure you have Displacement layer selected, go to Layer>Duplicate Layer. Select New in the Destination area and click OK. Next, go to Image>Trim. Select Transparent pixels and click OK. Save this document as ‘displacement.psd’. You can now close this document and go back to the image.
Turn off the Displacement layer. Select the Reflection layer and go to Filter>Filter Gallery. Pick the Distort folder and select the Glass filter. Set the Distortion to 8, Smoothness to 5 and Scaling to 100%. Click on the drop-down menu next to texture and load the ‘displacement.psd’ file.