Winter is the perfect time to embrace cozy, timeless style, and nothing captures understated elegance quite like old money aesthetics. Rooted in tradition, this classic style is all about subtle, polished hues and quality over trends.
If you’re looking to elevate your cold-weather wardrobe, we’ve rounded up seven stunning “old money” color combinations that are perfect for the season. Think rich burgundies with charcoal greys or deep navies paired with soft whites—these pairings are refined, versatile, and effortlessly chic. With these classic palettes, you’ll bring a sense of quiet luxury to your winter outfits while staying warm and stylish.
Keep reading for all the inspiration you need to rock that timeless, old-money look this season!
7 Sophisticated Old Money Color Combos for Winter
Grey + Burgundy
Grey and burgundy is a timeless combo that perfectly radiates understated elegance. The cool, muted tone of grey creates a sleek, neutral base, letting the deep, rich warmth of burgundy stand out without being too overpowering. Whether it’s a deep charcoal coat layered over a burgundy dress, or a pair of tailored grey trousers with a wine-colored sweater, this pairing feels polished yet cozy—perfect for winter.
The contrast between the two colors strikes just the right balance of subtle and bold, making it an easy go-to for anything from office looks to weekend outings. Finish the look with simple accessories, like a scarf or leather gloves in complementary tones, for a chic, pulled-together vibe that never goes out of style.
This pairing is versatile enough to work in various fabrics, from soft knits to structured outerwear, ensuring you stay cozy and chic all season long.
Dark Beige + Cream
If you’re aiming for an effortlessly refined look this winter, consider the timeless pairing of dark beige and cream. This combo feels luxurious but still effortlessly wearable, perfect for cozy days or more polished moments.
Pair a tailored dark beige coat with a cozy cream turtleneck and cream pants, or go for cream trousers and a dark beige cashmere sweater for a polished, monochromatic outfit. The understated elegance of these tones complements the “old money” aesthetic, proving that subtlety is the ultimate statement.
It’s the kind of color pairing that looks timeless and put together without even trying. To finish the look, add touches of gold jewelry or classic leather accessories for that subtle, old-money feel.
Black + White
You can’t go wrong with the classic black and white combo—it’s timeless, effortless, and always feels expensive. Crisp, clean, and endlessly chic, this pairing works for any occasion, from a power lunch to an evening soirée.
Throw a tailored black coat over a crisp white turtleneck for a no-fuss, polished vibe, or try a black midi skirt with an oversized white sweater for something cozy yet elevated.
The beauty of black and white is in its simplicity—it’s bold but never overdone. Add pearl earrings or statement silver jewelry and a sleek black handbag, and you’re set with that effortlessly chic, old-money look.
Brown + Cream
Brown and cream is such a cozy, classic combo that instantly feels polished without trying too hard. It’s warm, inviting, and perfect for those winter days when you want to look put-together but effortless. Brown’s warm, earthy tones feel comforting and grounded, while cream brings a soft, elegant brightness to the mix.
Try pairing a tailored brown blazer with a cream turtleneck tucked into high-waisted cream trousers—it’s sleek, sophisticated, and versatile enough for anything from meetings to weekend brunch. Add brown leather ankle boots or platform loafers, and finish with a structured neutral bag, and you’ve got that low-key, old-money vibe nailed.
Grey + Black
There’s a reason the grey and black combo is such a go-to—it’s timeless, versatile, and always feels sophisticated.
A tailored grey coat over an all-black outfit instantly creates a polished vibe, or you can keep it cozy with a chunky grey sweater and slim black trousers. For something a bit dressier, a charcoal grey blazer over a silky black blouse is a foolproof choice. The mix of these muted tones is simple yet sophisticated, giving you that old-money look without trying too hard.
The blend of these neutral tones keeps the outfit minimal and elegant, making it easy to accessorize with gold jewelry, leather boots, and a structured handbag for that classic old-money aesthetic.
Navy Blue + White
There’s something about navy and white that just screams effortless elegance. It’s a color combo that always feels timeless and versatile, especially during winter. Navy blue brings a rich, polished feel, while white adds a crisp, fresh contrast that instantly brightens any outfit.
Whether you layer a navy polo cropped jacket over a cozy white body-hugging turtleneck with tailored jeans, or go with a structured navy blazer and a crisp white blouse for something a little more formal, this combo always delivers timeless style. Finish it off with gold accents and a sleek leather bag to keep it feeling refined and perfectly old money.
Brown + Green
The earthy combination of brown and green is a classic winter favorite that feels refreshing yet timeless. It’s a rich, grounded pairing that works perfectly for building that old-money aesthetic.
Try a chocolate brown coat over a dark green sweater or pair forest green trousers with a cozy brown knit. These natural tones play off each other beautifully, creating a look that feels warm and effortlessly polished. Add some brown leather boots and a matching handbag to complete the outfit with an extra touch of sophistication.
These classic color combos are the perfect way to channel that timeless, old-money style this winter. Whether you lean into bold contrasts or cozy neutrals, these pairings instantly elevate your wardrobe without feeling overdone. Invest in quality pieces, keep it simple, and let these elegant tones carry you through the season in style.
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