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    1. Fashion
    2. Summer fashion

    More Jewelry, Less Clothing: A Proven Guide to Stacking Summer Necklaces

    The best stacks aren't about polish or perfection—the beauty is in the imbalance.

    Larissa Mills's avatar
    By Larissa Mills
    Published 25 May 2026 In Buying Guides

    When you purchase through links on our site, we may earn an affiliate commission. Here’s how it works.

    Larissa Mills shows off her colorful necklace stacks for summer
    (Image credit: Larissa Mills)
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    There are certain pieces of jewelry that belong to specific seasons. To me, winter is about rings and items worn around the wrists. Think: statement rings wrapped around fingers while hands clutch oversized coffee mugs. Chunky bracelets and cuffs worn over the sleeve of a grey cashmere sweater in a way that feels vaguely aristocratic and maybe a tad bit impractical. Serious watches that signal time is quieting, and the days are a bit shorter and darker. Winter jewelry is sharp and precise. Little flashes of polish breaking up all the wool and layering.

    But summer? Summer jewelry belongs entirely to necklaces.

    There is just nothing better than gold or silver against bare, slightly sun-kissed décolletage, if I’m being completely honest. Jewelry just comes alive with a little warmth underneath it. Gold looks richer. Stones sparkle harder. Everything feels more sensual, more relaxed, and maybe even a little more expensive. Show me a Slim Aarons summer girl, and I’ll show you a tanned goddess with the most insanely cool array of necklaces around her bronzed neck. Decadent while also chic. Just how we like it.

    Larissa Mills

    (Image credit: Larissa Mills)

    Larissa Mills wears sea creature-themed necklaces

    (Image credit: Larissa Mills)

    Unlike winter, summer allows necklaces to breathe. No scarves that swallow them whole. No chains getting tangled in chunky knits. No pendants disappearing beneath twelve layers of practicality. One of my biggest pet peeves is having jewelry get caught on my clothing—it’s like wearing lip gloss on a windy day with your hair down. The idea is lovely, but the reality is infuriating.

    Worn in a well-curated stack with a scoop-neck tank, a linen button-down, or a crochet cover-up, summer necklaces get their standalone moment.

    Larissa Mills

    (Image credit: Larissa Mills)

    The thing about stacking necklaces in the summer is that there really aren’t any hard-and-fast rules beyond mood. Some days might be tiny, delicate chains layered tightly at the collarbone. Other days might be long, dramatic strands mixed with turquoise, shades of amber, or a random pop of color that feels Mediterranean. The beauty is in the imbalance. It should never be too considered or overthought. The best stacks look collected over time, as though you absentmindedly threw them on before a night of oysters, a beach walk, or a long lunch that turns into dinner.

    Larissa Mills

    (Image credit: Larissa Mills)

    Perhaps that’s why summer jewelry feels so different from winter jewelry altogether. It isn’t really about polish or perfection. It’s about ease. About looking as though you’ve lived a little in your clothes and your accessories, rather than meticulously styling every inch of yourself. A great summer necklace stack should feel personal, slightly impulsive, and maybe even a bit sun-faded around the edges. Like treasures picked up over the years, vacations, phases, old loves, and all great outfits.

    I can’t wait to begin stacking—weather, can you please start accommodating? But in the meantime, keep scrolling to shop my favorite beaded necklaces, chains, and pendants that I'll be wearing all at once this season.

    Adina Reyter Groovy Diamond Initial Hinged Charm Gold Necklace

    Adina Reyter
    Groovy Diamond Initial Hinged Charm Gold Necklace
    $3196
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    Chan Luu Delft Charm Necklace

    Chan Luu
    Delft Charm Necklace
    $390
    SHOP NOW

    Fish Charm Necklaces Set-Of-Two

    J.Crew
    Fish Charm Necklaces Set-Of-Two
    $70
    SHOP NOW

    Text(ure) You Later Necklace

    Mister B
    Text(ure) You Later Necklace
    $265
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    14-Karat Gold, Citrine and Diamond Necklace

    JIA JIA
    14-Karat Gold, Citrine and Diamond Necklace
    $3900
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    Veda Semiprecious Bead Necklace

    Jennifer Behr
    Veda Semiprecious Bead Necklace
    $495
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    Salgada Necklace

    Eliou
    Salgada Necklace
    $180
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    Sea Urchin Gold-Plated Jade Necklace

    YSSO
    Sea Urchin Gold-Plated Jade Necklace
    $605
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    Dy Mercer® Double Row Toggle Chain Necklace in Sterling Silver With 18k Yellow Gold and Diamonds, 8mm

    David Yurman
    Dy Mercer® Double Row Toggle Chain Necklace
    $3500
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    14k Yellow Gold / 1.5 Mm

    Ring Concierge
    Bead Chain Necklace
    $798
    SHOP NOW

    14k Yellow Gold / Diamond Carabiner

    Ring Concierge
    Split Chain Necklace
    $2698
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    Rue Pendant Necklace

    Jenny Bird
    Rue Pendant Necklace
    $298
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    Omega, Flower Necklace, 18k Red Gold, Carnelian

    Omega
    Flower Necklace, 18k Red Gold, Carnelian
    $1930
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    Exclusive Gold-Tone Necklace

    Ben-Amun
    Exclusive Gold-Tone Necklace
    $270
    SHOP NOW

    Octavia Bolo Necklace

    Cult Gaia
    Octavia Bolo Necklace
    $398
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    14k Yellow Gold Needle Drop Diamond Necklace

    Sydney Evan
    14k Yellow Gold Needle Drop Diamond Necklace
    $1100
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    Exclusive La Isla Sun Lighter Pendant

    Juju Vera
    Exclusive La Isla Sun Lighter Pendant
    $895
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    Mother-Of-Pearl Effect Necklace

    Zara
    Mother-Of-Pearl Effect Necklace
    $456
    SHOP NOW

    Madewell, Enamel Chain Choker Necklace

    Madewell
    Enamel Chain Choker Necklace
    $38
    SHOP NOW

    Exclusive La Isla Sur Necklace

    Eliou
    Exclusive La Isla Sur Necklace
    $280
    SHOP NOW

    Coral Beaded Pearl Choker

    Erin Fader Jewelry
    Coral Beaded Pearl Choker
    $185
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    Marie Claire Newsletter

    Celebrity news, beauty, fashion advice, and fascinating features, delivered straight to your inbox!

    By submitting your information you agree to the Terms & Conditions and Privacy Policy and are aged 16 or over.
    Larissa Mills
    Larissa Mills
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    Contributing Editor

    Larissa Mills is a content creator, best known for her viral TikToks alongside daughter Ella Potter. Dubbed "TikTok's Coolest Mom," Larissa is a former makeup artist, fashion buyer, and PR consultant.

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