Look for "cleaner", "magic eraser", or "generative eraser" tools. The modern versions of MS Paint and MS Photos have them; but beware that these might be using cloud services for the AI, not local generation, I don't know for certain. GIMP (sort of open source Photoshop) might work for this too (
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).
Other SD UIs have plugins can do this, like Cleaner for A1111 and Forge.
Example
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Step 1: erase the clothing
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Step 2: edit as necessary
notice that the erase fucked her titty, need to do some manual work to fix that. Copied one titty onto the other and shaped to match the original image.
Step 3: inpaint
The more clothing she's wearing to start with, the more editing you're going to have to do, and the less like the original body the final output is likely to be.