As an actual Miami native (and one who’s visited frequently since moving to New York City), I know a thing or two about good swimwear. I grew up on the water, where heading to the beach was basically like clockwork. After nearly 22 summers going to the beach for hours on end, I’m practically a swimwear expert. Naturally, there’s only one cardinal rule I swear by when shopping for bikini sets and one-pieces: if they’re too expensive, they’re not worth it. 

Sure—a luxury, splurge-worthy piece enters my swimwear drawer every once and a while, but for the most part, the swimsuits I wear almost daily while living in Miami were well under-$100. When you’re logging hundreds of hours in the sand and salt-water, there’s no use in dropping thousands on five sets you’ll wear every week (and subsequently, end up throwing out due to fading and wear-and-tear).

If you won’t take my word for it, take my group-chats: all of my friends living on the shoreline can agree: sometimes, the best bikinis are the ones that don’t cost an arm and a leg. Below, scroll for the best under-$100 bikini tops, sets, and one-pieces I can’t get enough of this summer. Into the beach bag they go! 

I’m going to get flack for playing favorites, but this might be my top pick.

This entire ‘fit feels incredibly cool—all you need is a matching bandana and a pair of gold hoops.

This swimsuit print is the definition of an Italian summer.

This entire set is under $76.

My life suddenly feels complete after ordering this ultra chic one-piece on sale.

Not a want, but a need.

The gold ring detail is a classy and subtle touch.

Wear this on it’s own or under a pair of cute jeans for the ultimate versatile vacation piece.

Did someone say ’90s Chanel?

This belongs on the shores of Miami Beach.

This playful top from Mango’s Simon Miller summer collab comes well under $100. Score.

Tulum is calling and I’m definitely answering. 

This strappy one-piece is doing a number on me.

Ookioh has to be one of my favorite swim brands as of late.

I wouldn’t be surprised if you see this on Kendall Jenner later this summer.

No thoughts, head empty except for this jaw-dropping yellow fantasy.

I think I’ve died and gone to swimsuit heaven.

Run, don’t walk—this bikini top is deeply discounted at the moment.

This simple ‘kini top is calling my name.

It doesn’t get prettier than this pick.

Rosettes are still a major trend this summer.

This is such a fun statement piece.

This textured top reminds me of one cult-favorite swimwear brand at a fraction of the price.

Pretty in pink.

A ruffle detail always makes everything better.

Two words: Major florals.

This color is so sweet to me.

I don’t know if you’re sensing a pattern here, but I’m really digging one-shoulder bikini tops this year.

Name something cuter than this affordable one-piece. You probably can’t.

I’ll never say no to a timeless black swimsuit.

This color and ‘kini combination is practically forcing me to book a tropical getaway ASAP.

My two favorite West Coast brands have collabed: what can be better than this?

This kind of playful black and white print will never go out of style.

Lush jewel-toned sets are going to be major this year.

Major Miami vibes.

Timeless.

Next, From Quiet Luxury to French Style—7 All-Black Outfits You’ll Want This Summer