This post will show you the cutest swimsuits and cover-ups under $100 for Summer 2026.

Your summer aesthetic starts with the perfect swimsuit. And since summer is right around the corner, I’d say now is the perfect time to upgrade your swim drawer and swap out your older suits for ones that will make you feel like your best, most confident self.

Whether you’re beaching it up or catching rays in your backyard this summer (either way, please don’t forget the SPF), a cute, comfortable, and affordable swimsuit is a must. And let’s be honest: finding a bikini that doesn’t break the bank can be challenging these days!

That’s why I’ve rounded up the best swimsuits and cover-ups of 2026, with options for every style and preference, and the good news? Everything is under $100.

From one-pieces to bikinis, ranging from classic to trendy, I’ve got you covered!

So, if you’re ready to make a splash this season, read on for our top swimwear and cover-up picks in 2026.

Swimsuits & Bikinis Under $100

PINK By Frankie’s Bikinis Bikini Top & Itsy Bottom

The Frankie’s Bikinis collaboration with Victoria’s Secret PINK continues to deliver some of the cutest swimsuits each summer season, at an affordable price point that makes them a no-brainer!

Frankie’s Bikinis is known for its trendy, sought-after designs worn by everyone from Bella and Gigi Hadid to SZA and Olivia Rodrigo, but these swimsuits can be on the pricier side. This collection at PINK, however, is more affordable, making it a total must-buy. Plus, the swimsuits are offered in a variety of sizes, including tops that are S to L DD.

Cherry prints are one of the brand’s signatures, and this cherry print triangle bikini top and low-rise itsy bottom is completely adorable. Both pieces feature contrasting red string ties and sweet lace trims with bows for a feminine feel.

And if cherry print isn’t your thing, these items also come in solid colors and a couple of other prints, too.

Layered Bikini Top & Bottom

One of this season’s biggest fashion trends is faux layered pieces, i.e., clothing items that seem like they’re two pieces layered together, but it’s actually just one item.

Get in on the trend with this layered bikini top and matching layered bikini bottom, both featuring contrasting hues that are perfect for the summertime.

Both the top and bottom have a faux layered effect, and are available in sizes 0 to 12.

Striped One-Piece Swimsuit

You can never go wrong with classic stripes, and this striped one-piece swimsuit with a scoop neck and partially open back is a chic, timeless choice.

It offers full back coverage with crisscrossing back straps, and its fabric even has UPF 50 for extra sun protection, which is a major bonus. (But of course, this shouldn’t replace your sunscreen — especially on your skin that is exposed).

You could also totally wear this one-piece as a bodysuit with denim shorts or a flowy maxi skirt, making it that much more versatile.

Metal Eyelet Halter Bikini Top & Bottom

If you want to look like the ultimate cool girl at the beach or pool this summer, you’re going to want a bikini with metal eyelet detailing.

This is a fashion trend we are currently seeing in clothing (like skirts and tank tops), so why not bring it to your swimwear, too?

Metal eyelets lend an edgy, rocker vibe to this brown halter bikini top and cheeky bottoms, which is an unexpected departure from bright colors or punchy prints that we tend to see beachside.

Consider accessorizing with silver jewelry and some oversized shield sunglasses for a trendy, IG-worthy look.

Tank Bikini Top & Side-Tie Bottom

Tankinis are so back!

Go for a sporty, ’90s vibe with a yellow tank bikini top and side-tie bikini bottoms that feature contrasting green trimming and side ties.

You can wear the tank with denim shorts during the day, and ditch them when you’re ready to go for a swim. I love how multi-functional the concept of a tank bikini top is! If you’re into playing sports or games by the water, a tankini is a great option to give you some added coverage and support.

Polka Dot Bandeau Bikini Top & Mid-Rise Bottom

Polka dot is one of the trendiest prints of the summer season, so a polka dot swimsuit should be at the top of your shopping list!

Leave it to Target to have the perfect polka dot bikini set (with some extra coverage). Year after year, Target continues to impress me with its ultra-cute and ultra-affordable swimwear selection. This cream and brown polka dot bandeau bikini top and matching high-rise, high-leg bikini bottom have an adorable, retro vibe.

With adjustable shoulder straps, a ring detail at the chest, and stretchy fabric, this bikini looks more luxe than its price tag would suggest!

Red Smocked One-Piece Swimsuit

This PINK by Frankie’s Bikinis red smocked one-piece swimsuit is giving major Baywatch vibes, which couldn’t be more timely considering that a reboot with Livvy Dunne, Shay Mitchell, and Noah Beck is currently filming and coming soon to TV.

The all-over smocking, ruffle details, and partially open back give it a feminine feel, and the high-cut legs make it extra flattering (high cuts equal longer-looking legs!).

Metallic Triangle Bikini Top & High-Cut Bottom

Shine bright in this metallic bikini — all eyes will be on you!

You’ll steal the scene with this copper metallic triangle bikini top and high-cut bottoms that will reflect the sun’s light for a shimmery, eye-catching effect. You can even amp up the shine further with some shimmery SPF body oil for a head-to-toe glow.

Throw on some oversized sunnies and get ready to serve main character.

Tropical Floral Print Triangle Bikini Top & Brazilian Bottom

This tropical floral print with hibiscuses couldn’t be more perfect for the summertime! The triangle bikini top and high-side Brazilian bottom were made for soaking up the sun in.

The print even features cute little blue seahorses for an added beachy detail.

Best of all, the top is fully customizable thanks to its adjustable neck and back ties.

Curvy Underwire Bikini Top & Cheeky Bottom

Here’s another bikini featuring a cute, summery print, but with extra support for curvier bodies with larger busts.

The underwire bikini top features high apex straps for maximum support that are adjustable and can be worn in two different ways in the back. The matching cheeky bottom has the same ribbed fabric as the top, with a high-leg cut and mid V-waist.

I adore the print, with hibiscus flowers, waves, suns, and other summer motifs, but this bikini set is also available in a bunch of other colors and prints, too.

Fringe V-Neck One-Piece Swimsuit

Bring on the boho vibes with this one-piece swimsuit featuring a deep V-neck with fringe. The fringe adds movement and an eye-catching touch to this black swimsuit, making it anything but basic.

The back is equally as eye-catching, with a low, open design and crisscrossing straps, plus its fabric offers UPF 50, giving you added sun protection (in addition to your sunscreen, of course).

As with many other one-piece swimsuits, you can wear this as a bodysuit with summer bottoms like denim shorts, flowy skirts, or linen pants.

Striped Beaded Triangle Bikini Top & Side-Tie Bottom

Colorful stripes and bead details? Say less!

This striped triangle bikini top and side-tie bottom feature red and gold bead details that elevate it and add trend appeal.

The bikini’s color palette with blue, brown, and red, is unexpected and makes it stand out that much more.

Gingham Underwire Bikini Top & High-Waist Bottom

Gingham is another super cute print to wear during the summertime, especially this light blue version that feels especially seasonal.

If you have a fuller bust, consider wearing an underwire balconette bikini top with adjustable shoulder straps, which will give you extra support. This one comes in both a regular and Curve Love fit, which is ideal for those with cup sizes D – F.

Paired with its matching high-waist, moderate coverage bottom, you’ll look adorably retro while feeling supported by your suit.

Metal Ring Bandeau Bikini Top & Bottom

No straps = minimal tan lines. A bandeau bikini top is your best bet if that is your goal!

This light blue bandeau bikini top and its matching bottom both feature metal ring details for added flair and a touch of luxe.

It’s perfect for lying out and catching rays in (safely and with plenty of sunscreen, of course).

Cut-Out One-Piece Swimsuit

Make a statement with this rust-colored one-piece swimsuit with a front cut-out design.

Also available in black, paisley print, and a blue abstract print, this swimsuit is flirty yet elevated thanks to its glossy tricot fabric and chic knotted details.

It also features an ultra low-cut back and slightly cheeky bottom coverage, making it just as eye-catching from the back as it is in the front.

Polka Dot Triangle Bikini Top & Cheeky Bottom

With polka dots‘ popularity this season, I couldn’t resist including another polka dot bikini, and this one features unique details that make it extra special.

The triangle top and cheeky bottom have two different blue and white polka dot prints that coordinate (but aren’t the exact same), along with contrasting yellow binding, for a cool, modern look.

The bottom features a curtain-style silhouette, which means that you can slightly adjust the amount of coverage by sliding the front and back panels to your liking, making it ideal for those who want minimal tan lines. The high-leg cut also makes these bottoms extra flattering.

Beaded Bikini Top & Ruffle Bottom

This one’s for the girly girls. How adorable is this pink ruffled bikini set?

It consists of a ruffled triangle bikini top with a beaded floral appliqué and a ruffle-trimmed bikini bottom with a high-cut leg.

The ruffle details paired with the dainty pink hue and floral appliqué make this bikini ultra-feminine, while the cheeky seat of the bottoms adds a flirty touch.

Banded Smocked Bikini Top & Bottom

Smocking makes this bikini a standout, and its bright yellow hue is basically sunshine in swimsuit form (though it’s also available in black, pink, and green).

The banded plunge bikini top offers a bit more support than a typical triangle top would, and its removable pads allow you to customize the fit, making this a solid choice for busts of all sizes.

The classic bottom has the same all-over smocking, and full coverage (because sometimes, a cheeky bottom is just not the move, ya know?).

Both pieces also offer UPF 50 protection, which along with your sunscreen, will help you stay safe as you soak up the sun rays.

Reversible Triangle Bikini Top & Swim Shortie Bottom

Go for a retro, sporty vibe with this reversible triangle bikini top and swim shortie.

You’ll be getting two looks in one with the triangle top, which features a colorful blue striped print on one side, and a solid turquoise blue hue on the other, making this an amazing value!

The swim shorts have a drawstring waist and surf-shack style aesthetic that will make them stand out at the beach.

Swim Cover-Ups Under $100

Baggy Crochet Pants

These crochet pants are going to look amazing with both bikinis and one-piece swimsuits alike.

And while pants may not be the first thing that comes to mind when you’re heading to the beach or pool during the hot summer, these pants are ultra airy thanks to their open crochet design and baggy silhouette. The crochet gives them a beachy vibe, while the neutral, light yellow hue keeps them versatile to wear with a ton of different swimsuit colors.

Crochet Mini Cover-Up Dress

Crochet is one of the go-to materials when it comes to swim cover-ups, and for good reason: it’s lightweight, has a boho, summery vibe, and is sometimes sheer depending on how open the knit is.

This crochet mini dress, which comes in a few different colors, is perfect for throwing over your swimsuit and looking instantly put-together and on-trend.

If you’ve got upcoming vacation plans, this would be a great piece to pack with you.

Linen Button-Down Shirt & Boxer Shorts

Linen is another must-have fabric for the summertime, especially when it comes to swim cover-ups. It will help keep you cool thanks to its breezy, natural cotton fabrication.

I love the bright turquoise hue of this linen button-down long-sleeve shirt and matching linen boxer shorts, which feels ultra-beachy. It’ll pair perfectly with swimwear that is brightly colored or printed, giving you an effortlessly stylish look.

You could also get the shirt in a larger size and wear it on its own as a shirt dress.

Animal Print Mini Cover-Up Dress

Take a walk on the wild side with this animal print mini cover-up dress, featuring lightweight, sheer fabric and a floaty, breezy silhouette.

Its elastic back straps and pull-on design allow for easy movement, while details like the ruffle trim and tie-front add a feminine feel.

P.S. — this dress also comes in a pink bandana print that is equally as cute!

Knit Side-Tie Maxi Sarong

This side-tie maxi sarong skirt is a cool, boho-inspired cover-up choice that has a flirty side cut-out with ties.

It is made with a semi-sheer textured swit knit for breezy feel, along with a trendy low-rise waistline.

If you’re going to be attending any outdoor or beachside concerts this summer, this skirt would be a cute option to wear with swimwear.

Cut-Out Romper

Rompers can make for great cover-ups, so long as they are made with lightweight fabric and feature a flowy (versus restricting) fit.

This off-white romper is made from a lightweight knit material that drapes effortlessly, and has cut-outs on the sides and back to keep it extra breezy (and make it extra cute).

Its pull-on style also makes it easy to take on and off at the beach or pool.

What do you think of our swimwear round up?

Would you wear these bathing suits? Which swimsuit is your favorite? Leave a comment and let us know!