The Golden Rule: Odd Numbers and Varied Lengths

Three necklaces is the sweet spot — odd numbers create visual balance, and three layers give you enough dimension without looking cluttered. Each necklace should differ by at least 2 inches in length to prevent tangling.

Step 1: Start With a Base Layer (14-16 inches)

Your shortest necklace is the foundation. Choose something delicate and understated — a thin chain, small pendant, or choker-length piece. This layer sits at the collarbone and anchors the entire look.

Our picks: The Mint & Lily Paperclip Chain Necklace ($29) is an excellent base layer — the trendy paperclip links add texture without overpowering. Gorjana's thin chains are another solid choice for this position.

Step 2: Add a Mid-Length Focal Piece (18-20 inches)

The middle layer is your focal point — the piece people's eyes go to first. This is where personalized pieces shine. A name necklace, initial pendant, or birthstone piece adds meaning and draws attention.

Our picks: The Mint & Lily Pave Initial Pendant ($39) is a layering standout — the micro-pave CZ stones catch light beautifully against simpler chains above and below. For a higher-end option, Missoma's Medallion Necklace ($159) makes a bold focal point.

Step 3: Finish With a Long Accent (22-24 inches)

The longest layer adds depth and elongates the visual line. Choose a simple chain, lariat, or minimal pendant. This layer should complement, not compete with, the focal piece above it.

Our picks: Gorjana specializes in layering-friendly long chains, and Mejuri's solid gold chains add a premium finish at this length.

Mixing Metals: The 2026 Approach

Mixing gold and silver is not only acceptable in 2026 — it's preferred. The key to making mixed metals look intentional rather than accidental:

Include each metal in at least two pieces
Use one metal as the dominant (70%) and the other as accent (30%)
Match your watch or bracelet metal to the accent necklace for cohesion

Mint & Lily offers most pieces in both gold and silver finishes, making it easy to build a coordinated layering set.

Avoiding Common Mistakes

Too many pendants: Limit pendants to one or two layers. The third should be a plain chain.
Same chain type: Vary textures — paperclip with cable with snake chain creates visual interest.
Ignoring neckline: V-necks work best with layered necklaces. High necklines pair better with a single statement piece.
Not checking durability: Layered necklaces rub against each other. Choose tarnish-resistant materials like stainless steel or solid gold for pieces that will be layered daily.

Best Brands for Layering

Based on our JewelryScore data, these brands are purpose-built for layering:

Mint & Lily (93/100) — Best value layering with coordinated personalized pieces under $50 each
Gorjana (76/100) — Designed specifically for stacking with curated layering sets
Mejuri (87/100) — Premium solid gold layering chains for investment pieces
Missoma (82/100) — Trend-forward focal pieces that anchor a layered look

How to Layer Necklaces Like a Pro