Looking for the cutest old money summer outfit ideas that won’t break the bank? I’ve got you covered.

Let’s be real — the “old money” aesthetic is having a moment. But unlike fast fashion trends that scream for attention, old money style whispers: I have taste, I grew up summering in the South of France, and I probably play tennis on weekends.

The good news? You don’t need a trust fund or a yacht to tap into the vibe. This summer is all about clean lines, timeless silhouettes, and a palette that says “I drink my iced coffee in a linen set by the sea.”

Here’s how to channel your inner Sofia Richie Grainge, Carolyn Bessette-Kennedy, or 90s Ralph Lauren girl this summer — without going broke.

5 Old Money Summer Outfit Ideas

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Linen Sets = Instant Old Money

Nothing screams I own a vacation home in Capri like a well-fitted linen co-ord.

Look for a white, beige, navy, or dusty blue co-ord consisting of a boxy top with matching shorts or wide-leg trousers. Pair with sandals, a straw tote, and slicked-back hair. Bonus points for gold hoops and a watch.

PANTS | TOP | SANDALS | NECKLACE | BAG | EARRINGS | SUNGLASSES

The Classic Picnic Dress

Think simple, elegant, and airy. We’re skipping the overly ruffled or floral options and going for A-line silhouettes in neutral tones or muted pastels.

This looks is perfect for a Summer brunch, a garden party, or pretending you’re in a Nancy Meyers movie.

DRESS | FLATS | BAG | EARRINGS | SUNGLASSES

Sporty Old Money: Tennis Core

Yes, even sporty can look luxe. Channel your inner rich girl on holiday energy with: pleated white mini skirts, fitted polos or sleeveless tops and knotted crewneck sweaters over your shoulders.

Keep accessories clean: white sneakers, gold studs, and maybe a retro visor if you’re bold.

SKIRT | POLO SHIRT | SNEAKERS | EARRINGS | BAG | SUNGLASSES

Nautical but Make It Quiet Luxury

Sailor stripes, high-waisted shorts, crisp white pants, and navy sweaters draped over your shoulders — it’s giving old money at sea.

Pair a navy and white striped top, white linen pants, ballet flats or sandals. For chillier evenings, add a blazer.

This look never fails. It’s literally the blueprint for timeless summer style.

PANTS | FLATS | TOP | BAG | NECKLACE | EARRINGS

Evening Elegance — the Subtle Slay

For those sunset dinners or rooftop drinks, ditch the sequins.

Think slip dresses in champagne, black, or muted tones with an open back. Add minimal jewelry and style your hair in a sleek bun or in soft waves, Pair with strappy sandals, a vintage-style clutch, and a confident walk.

DRESS | SANDALS | EARRINGS | BAG

You don’t need generational wealth to look like you have it. The old money summer vibe is less about cost and more about class — clean silhouettes, high-quality basics, and a touch of effortless elegance.

Stay cool, stay chic, and don’t forget: the best accessory is confidence.

Now go sip an iced matcha in your linen set and pretend you’re summering in Lake Como. I won’t tell.

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• The European Summer Dresses You Didn’t Know You Needed (But Totally Do)

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