Jewelry for Every Budget in 2025
For the Girls Who Love to Shine
Okay girls, let’s be real—we all love a little icing. Whether you’re deep in your “it girl” era with that bag secured, or you’re rocking the budget baddie lifestyle (hello, ghetto gold), you deserve pieces that sparkle just as hard as you do.
But here’s the tea: not all jewelry is created equal. So what actually makes jewelry worth it? What’s the difference between real and really-not-worth-it? And most importantly—how much should you actually be paying for the real thing… and when is it just not worth dropping coins on the fake? We’re breaking it all down so you can flex your style at every price point—because good taste isn’t about how much you spend, it’s about knowing what’s worth it.
Quality is Queen — Know What You’re Really Paying For, Babe
When it comes to jewelry—or honestly, anything in fashion or beauty—remember this golden rule: the price should match the quality. Period. So how do you know if that shiny little piece is actually worth your coin? Let’s break it down.
Start with the materials. We’re talking metals and stones. If the metal isn’t one of the queens—gold (yellow, white, or rose), platinum, or sterling silver—then you shouldn’t be paying more than €100 for that piece. There are some exceptions if the craftsmanship is next-level (think: intricate design, high-end detailing), but if it’s just stainless steel or copper? Keep your wallet in check, girl. Those aren’t precious metals, and no matter how shiny they look, they shouldn’t come with a luxury price tag—unless the artistry is giving.
Now, if the piece includes precious stones—like emeralds, rubies, or diamonds—then yes, prices go up. But use your intuition. While it’s not impossible, it’s very rare to find real diamonds set in cheap metals like copper or stainless steel. So if someone’s trying to sell you a “diamond” necklace on a copper chain instead of rose gold? Bestie, run. It’s either fake or that stone has flaws big enough to spot from across the room. So which brands are giving girl math approved and which ones are for the girlies who’ve made it (or married rich)? Grab a glass of wine and get cozy—we’re about to dive deep.
Girl Math Budget: €0–25
Jewelry So Cute You Won’t Cry If You Lose It at the Club
Alright miss girl—you’ve got a night out planned and you want a little sparkle. Whether you’re just trying to elevate your look or you want something cute that won’t break your heart (or your bank account) if it goes missing in the club, this tier is for you. Yes, queen—you can have your jewelry and lose it too. Let’s get into it.
Pandora (Sale Section Only, Babe):
We’ll be mentioning Pandora more than once in this guide because they’re that girl in the jewelry world. They’ve got a huge range, and if you're digging through their sale section, you can sometimes find plated or fashion pieces in the €0–25 range. Perfect if you’re looking for a little sparkle that matches the vibe, not the price tag.
ASOS Jewelry:
Don’t sleep on ASOS, bestie. They’ve got minimalist, wearable pieces starting around €5 and rarely going over €25. These are great for when you want jewelry that compliments your fit instead of stealing the whole show. And shoutout to their faux diamonds and glass pieces—they photograph so well and won’t leave you crying if they don’t make it home after a wild night.
Etsy Creators (Support Small, Shine Big):
We have to hype up the Etsy girlies. If you want something that feels unique, a little artsy, and not mass-produced, Etsy is a goldmine. You can find handcrafted pieces for every aesthetic—from celestial chic to dark academia—all in a girl math-approved price range. You get to support small creators and look good doing it? Iconic.
We’ve all been there, babe. Maybe designer isn’t in the cards right now, but that doesn’t mean you can’t feel like luxury. A €20 piece that makes you feel like a million? That’s girl math, and that’s self-love. Keep shining, even on a budget—you’re still that girl.
Soft Splurge Budget: €25–100
The Sweet Spot Between Chic and Sensible
Okay babe, this is where the glow-up really starts to show. We’re still talking mass-produced, accessible pieces—but now with a little extra love. At this price point, we’re entering the land of actual craftsmanship. Think: more intricate designs, crystal detailing, gold plating, and even a few real minerals if you know where to look. You’re not breaking the bank—but your jewelry is giving "I have taste and a tiny bit of disposable income." Let’s get into it.
Pandora (Stepping Into Silver & Gold):
She’s back! Pandora’s real strength in this price range is introducing you to quality materials—sterling silver, gold-plated styles, and charm designs that actually feel thoughtful. While you can sometimes find steals around €70 in their sale section, most of the cute pieces are full-price and worth every cent if you’re building a collection that lasts longer than one night out.
Swarovski (Crystal Core Era):
Swarovski is that girl when it comes to high-shine on a budget. They’re all about crystals, but don’t let that fool you—these pieces are meticulously designed and carry that "expensive energy" without the scary price tag. For under €100, you can snag earrings, rings, or even a delicate necklace that sparkles in the light and holds up over time. Icon behavior.
Linjer (Quiet Luxury Vibes):
Linjer is for the girlies who want elegance without the markup. Think delicate gold-plated chains, pearl details, and minimalist earrings that look like they belong on a Vogue editor. You can find some beautifully crafted pieces under €100—especially earrings and subtle pendants—that bring high-end energy to your everyday look. It’s giving "chic European girl who owns cashmere."
This is the range where your jewelry starts feeling less like an accessory and more like a personal style signature. It’s the beginning of your "she’s building a collection" era. And girl, we love that for you.
Luxury Budget: €100–500
For the Fashion Girlies Who Know Their Worth
Okay, now we’re entering the zone where things start to feel intentional. We’re talking real gold, thoughtful design, and pieces that say, “Yes, I have taste—and a little extra room on my card.” This is where the mainlines of some luxury houses start to peek in, and the girls who know fashion start to show up. Let’s get into the sparkle.
Swarovski (The Crystal Queen’s Crown):
At this price tier, Swarovski becomes a true contender. The brand’s entire philosophy is centered on craftsmanship—just with crystals instead of diamonds. And honestly? The pieces slap. You’re getting gold, white gold, rose gold, and silver finishes, all wrapped around incredibly intricate crystal work. It’s not trying to be fine jewelry—it’s owning its lane, and doing it with style. Think of it as crystal couture on a fashion house level.
Stone and Strand (Gold Goals):
This NYC-based brand is so that girl. With 14–18k real gold and a reputation for beautiful craftsmanship, Stone and Strand is where you start flirting with heirloom territory. Most known for their dainty rings (perfect for stacking or gifting), they also have necklaces and bracelets that scream understated elegance. This is the brand you drop hints about when your man’s asking what to get you—or when you’re treating yourself like the main character you are.
Monica Vinader (Quiet Elegance, Loud Confidence):
We love Monica. She’s all about 18k gold vermeil and sterling silver, and her pieces are designed for the minimalist girlie with a luxe streak. The designs lean simple and classic, not overly ornate—but that’s what makes them so wearable. It’s the perfect brand for buying your first "grown woman" piece of gold jewelry. Whether it’s a bracelet you never take off or a necklace you layer like a pro, Monica Vinader has timeless down to a science.
This tier is for the girl who’s graduated from fast fashion sparkle and is ready for substance. Real metals, beautiful designs, and pieces that feel like you—just elevated. You’re not just buying jewelry anymore, you’re curating a vibe.
Luxury Lover Budget: €500–2,000
For the Girl Who Turns Heads Without Even Trying
Now we’re entering the realm where luxury becomes lifestyle. This budget opens the doors to designer houses and their more accessible, mass-produced lines. Think signature design language, whisper-quiet elegance, and names that make people do a double take when they ask, “Where’d you get that?”
Boucheron (French Royalty Energy):
Not every piece fits in this price range—but their entry-level treasures do. Boucheron is the French jeweler for the woman who loves elegance with a sculptural twist. While Cartier and Tiffany might be more globally recognized, Boucheron is the connoisseur’s choice. Their aesthetic is timeless in a way that feels both nostalgic and futuristic—something your great-grandmother, your chic self, and your future granddaughter could all wear with equal grace. A forever kind of luxury.
Messika (For the It-Girl in the Know):
If Boucheron is classic, Messika is modern cool. Their signature silhouette—the sleek oval shape with an off-center diamond accent—is instantly recognizable and made for the fashion-forward. We’ll be real: not everyone on the team is obsessed with this look (some of us are timeless girlies), but the younger writers on staff are ride or die for Messika. This is the brand for a bold statement that still whispers luxury. Just note: we’re only talking about their more accessible, mass-produced pieces. The haute joaillerie? That’s another level entirely.
Alighieri (Perfectly Imperfect):
This one’s for the romantics. Alighieri is all about storytelling, texture, and mood. Inspired by Dante and built on the idea that flaws are beautiful, these pieces are rich with character. The craftsmanship leans organic and handmade, each piece feeling like it’s been unearthed from a myth or memory. If you want your jewelry to say “poetic soul with an eye for style,” this brand is your quiet flex.
In this price tier, your jewelry becomes less about trends and more about identity. These aren’t just accessories—they’re signatures. Whether you lean toward sculptural French elegance, modern minimalism with an edge, or poetic drama, this range is for building your collection with intention.
Spending Heals Her Soul: €2,000 – €10,000+
For the girl who doesn’t just buy jewelry—she curates her legacy.
This is where the fashion girlies evolve into investment icons. We’re no longer just accessorizing—we’re entering collector status. At this level, 18k gold is a baseline, platinum replaces silver, and mass production starts to fade away in favor of exclusive, limited-edition pieces. You’re not scrolling through online catalogs anymore—you’re booking a private consultation, walking into a flagship store, and sipping champagne while deciding between white or yellow gold. You’ve become that girl. A-list consumer, no notes.
Tiffany & Co.: The Blueprint of Elegance
You’re not just buying a necklace—you’re buying the little blue box. In this price range, Tiffany & Co. offers timeless, well-crafted pieces that have the potential to retain value. This is the investment fashion girly territory. Think: simple gold and platinum chains, pearls, the classic heart tag charms, and maybe even a legacy ring that will one day be her "mom’s Tiffany piece." These are pieces you can wear daily or pass down without blinking. And while you're probably not grabbing a diamond rivière necklace here (yet), you're absolutely owning the main line in all its understated glory.
Bulgari: If Looks Could Kill
She’s mysterious. She’s powerful. She’s wearing Bulgari. If you’re in your villain era, Bulgari’s got your back with the iconic Serpenti collection. We know the look might not be for everyone—but for us? It’s everything. Dramatic, daring, and just a little bit dangerous. From their sleek snake bracelets (starting around €8,000) to their sculptural necklaces, Bulgari is the queen of statement luxury. Think less “I married into wealth” and more “I am the wealth.”
Cartier: The Heartbeat of Romance
Let’s be real: the internal battle is always Bulgari or Cartier. When we love men? Cartier. When we don’t? Bulgari. But when we dream of love, proposal-worthy heirlooms, and timeless gold... it’s Cartier every time. The Love Bracelet might feel overdone to some, but we don’t care. It’s iconic for a reason. Sleek. Understated. Powerful. The kind of piece you wear every single day until someone else gets the hint (he knows who he is, ladies). It’s giving legacy. It’s giving future wife energy.
**The Dream look for us: Tiffany Ring, Bulgari necklace, Cartier bracelet**
Final Thoughts
Now that you’ve got the tea on every jewelry budget—from your everyday sparkle to your "I just bought a villa in Capri" splurge—it’s time to find your favorite. Whether you’re girl math-ing your way into a crystal choker or manifesting your Cartier bracelet moment, there’s something out there that speaks to your soul (and your spending tier). So go on, babe—shop your budget, wear your story, and remember diamonds may be forever, but so is taste. 💅✨
Now… which one’s going in your jewelry box first?