How to Create a Classic Jewelry Capsule

A jewelry capsule is the foundation of a well-curated accessory collection. Just like a wardrobe capsule, it consists of timeless, versatile pieces that elevate any outfit effortlessly.

I’m frequently asked what essential jewelry pieces every woman should own to layer seamlessly into her outfits. The key is to keep it simple and easy—choosing pieces you can throw on and go without overthinking.

A well-thought-out jewelry capsule collection serves as a base for building out your style. Whether you’re dressing up or down, having a set of go-to accessories ensures you’re always put together.

Why Build a Jewelry Capsule?

A capsule jewelry collection simplifies your routine and helps you feel polished with minimal effort. Instead of accumulating random pieces that don’t work together, you’ll have a cohesive set of staples that complement each other beautifully.

Just like curating your wardrobe, building a jewelry capsule takes time. Your budget, style preferences, and investment in quality all play a role. But once you establish your essentials, you’ll have the perfect foundation for accessorizing any look.

How to Create a Classic Jewelry Capsule

Before diving into the must-have pieces, here are a few key things to consider:

• Choose metals that suit your style. I’ve included options in gold and silver tones so you can select what works best for you.
• Work within your budget. Everyone has different spending comfort levels, especially when it comes to jewelry. I’ve balanced quality with affordability in this guide.
• Wear your fine jewelry! Stop saving special pieces for rare occasions—integrate them into your daily wardrobe.

This guide serves as both a shopping list and a reference to help you create your own jewelry capsule collection. Once you have these essentials, you can layer in statement and trend-driven pieces, much like you would with your wardrobe.

Essential Earrings for Your Jewelry Capsule

To start your jewelry capsule, you need a few key earrings that can mix and match effortlessly with your wardrobe.

1. Classic Studs

Every capsule jewelry collection should include a simple pair of stud earrings. Whether you prefer natural diamonds, cubic zirconia, or metal studs, these versatile earrings work with everything from casual to dressy outfits.

While I’d love to own an heirloom-quality pair of diamond studs someday, I currently wear these Swarovski crystal studs—and I love them!

• Available in yellow or white gold, ranging from 0.5 to 3 carats.
• I personally went with 3 carats (because why not?), and I think they suit my face shape well.

If you prefer something even more minimal, simple ball studs are a great alternative. They pair well with statement necklaces without overpowering your look.

• Uncommon James Ball Studs – Under $40, a sleek and polished choice.
• Quince Gold or Silver Ball Studs – Another great option at the same price point.

2. Timeless Pearl Earrings

Pearls may seem traditional, but they are making a comeback in modern jewelry styling. A capsule jewelry collection should always include a classic pair of pearl earrings—they elevate everything from a white tee to a little black dress.

I love a classic pearl stud with a twist, and these are my two favorites:

• Julie Vos Penelope Pearl Studs ($75) – Available in two sizes; I wear the large, but the smaller version is perfect for everyday wear.
• Amazon Pearl Dangle Earrings ($15) – An elegant yet affordable find that adds movement and interest.

3. Everyday Hoops

No jewelry capsule is complete without a pair of hoop earrings. Hoops add instant polish and can transition effortlessly from day to night.

I personally wear the 20 mm size in gold, and they’ve become a staple in my daily rotation.

Pavoi Hoop Earrings ($14) – Available in silver or gold and in a variety of sizes.

A Timeless Addition: Watches

A watch is a practical yet stylish addition to your jewelry capsule, but it can also define your overall look.

Apple Watch Upgrade

If you wear an Apple Watch, you know it has a tendency to dress down an outfit. That’s why I love this Kendra Scott Apple Watch band—it instantly transforms your smartwatch into a chic jewelry piece.

Available in gold, silver, or rose gold for $128, it’s a great way to blend technology with style.

Classic Watches

If you prefer a traditional watch, the options are endless—you can easily spend thousands on an investment piece.

That said, I’ll admit I’m no expert in high-end timepieces. But when it comes to everyday wear, I love a slim-profile watch with a mesh band and a hint of sparkle.

A great option? This Olivia Burton tank watch from Nordstrom. It’s elegant, versatile, and just under $200—a beautiful addition to any jewelry capsule collection.

Essential Necklaces for Your Jewelry Capsule

A well-rounded jewelry capsule should include a few versatile necklaces that can be worn alone or layered effortlessly. You don’t need all of these, but these are my go-to picks for creating a timeless yet stylish capsule jewelry collection.

1. Simple Chain Necklace

A lightweight chain necklace is the foundation of any jewelry capsule—it’s delicate, minimal, and pairs beautifully with everything.

• I have this Mejuri chain necklace, available in gold or silver, for under $200.
• It’s the perfect everyday piece, whether worn solo or layered with other necklaces.

2. Delicate Short Necklace

A floating diamond or pearl necklace (real or faux) adds an elegant touch without being overpowering.

• The option I love is also from Mejuri, featuring stationed sapphires for under $100—a subtle yet stunning detail.

3. Diamond Tennis Necklace (Budget-Friendly Alternative)

I’ve wanted a diamond tennis necklace forever, but I don’t have an extra $10K lying around. So, I was thrilled to find this Amazon version for just $30!

• It adds the perfect touch of sparkle and can be worn alone or layered.
• Available in yellow or white gold (just note that the white gold version has a different SKU).
• At this price, I grabbed both so I can switch them up as needed!

4. Layered Necklace Set

A layered necklace set is another great addition to a capsule jewelry collection because it lets you mix and match effortlessly.

• You can find versions of this everywhere, allowing you to add a touch of personality.
• One of my favorites is this best-selling initial necklace set from Amazon—available in gold, rose gold, or silver for just $15.
• For something more personal, Etsy has an incredible selection of custom options at various price points.

Essential Bracelets for Your Jewelry Capsule

Of all the categories in my jewelry capsule, bracelets are my favorite—I wear them every single day.

When narrowing down a list of must-have bracelets for a capsule jewelry collection, I’ve settled on three essentials that offer versatility and timeless style.

1. Hinged Bangle

A hinged bangle is the ultimate staple in a jewelry capsule. Inspired by the iconic Cartier Love Bracelet (which remains on my dream wishlist!), this style is classic, chic, and works as the perfect anchor for layering other pieces.

• It pairs effortlessly with any outfit, whether dressed up or down.
• Available in gold and silver tones, so you can match your metal preference.

2. Mixed Metal Cuff

A cuff bracelet adds a touch of modern elegance to your collection, and I love one that blends metals.

• I wear mostly gold jewelry, but my wedding bands are platinum, so incorporating a mixed-metal piece helps create a cohesive look.
• This style is versatile and works well on its own or layered with other bracelets.

3. Tennis Bracelet

A tennis bracelet is a must-have in a jewelry capsule—it’s timeless, delicate, and adds just the right amount of sparkle.

• This budget-friendly option perfectly complements the tennis necklace mentioned above.
• Available in yellow or white gold and a range of sizes, making it easy to customize to your style.
• And at just $17, it’s a no-brainer addition to any capsule jewelry collection.

Rings: Make It Personal

Rings are one of the most personal pieces in any jewelry capsule.

Many of us wear our wedding set or sentimental pieces daily—whether it’s something passed down through generations or a ring that holds special meaning. Wear what you love, regardless of whether it perfectly matches the rest of your jewelry.

That said, I love to have fun with statement rings—they add personality and an unexpected touch to a capsule jewelry collection.

1. Classic Everyday Rings

If you prefer something simple and timeless, a domed ring is an elegant choice for your right hand.

• This Verishop domed ring ($70) is a sleek and stylish option that pairs well with everything.

2. Statement & Cocktail Rings

For me, the gaudier, the better—I love a bold cocktail ring because it adds contrast to my otherwise refined jewelry choices.

• A favorite of mine is this Swarovski Cocktail Ring, which is eye-catching, sophisticated, and fun.

Adding a statement ring to your jewelry capsule allows you to express your personality while keeping the rest of your collection versatile and timeless.

Keeping Your Jewelry Capsule Safe & Organized

Once you’ve built your jewelry capsule, keeping it organized and accessible is essential. You need to see what you have in order to easily incorporate pieces into your daily outfits.

A few years ago, I invested in this stackable jewelry box system from The Container Store, and I absolutely love it. You’ll even spot it in many of my closet photos!

Here’s how I organize my capsule jewelry collection:

• Top box – Holds my everyday pieces and rings for easy access.
• Middle box – Stores my statement jewelry and bolder accessories.
• Bottom box – A deeper storage space, perfect for oversized cuffs, chunky pieces, or even sunglasses.

A well-organized jewelry capsule ensures that everything stays tangle-free, protected, and ready to wear whenever you need it.