The 12 best swimsuit cover-ups under $50, from linen button-downs to breezy sarongs

A side-by-side collage showing a person standing at the beach wearing a dress colored orange at the top and hot pink on the bottom and the right illustrates a person posing wearing a blue bikini set with a chiffon white and blue cover-up.

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  • There are plenty of swimsuit cover-up options that are both affordable and fashion-forward.
  • The best cover-ups are made for the beach but look good enough for plans before or after.
  • Here, we've put together a list of our top picks for stylish, budget-friendly cover-ups under $50.

It's easy to throw a pair of denim cutoffs and a tee over a bikini, but when it comes to affordable swimsuit cover-ups, flipping through old closet favorites isn't the only option. Today, loose linens and sheer wraps can be just as budget friendly as they are beach staples. Although swimsuit cover-ups help soft launch whatever two-piece or onesie you're wearing on the way to the beach, they can also complement the overall appearance of the beachy aesthetic you may be aiming for. Sporty, relaxed, chic, or minimal, cover-ups can oftentimes be the piece you find yourself wanting to keep on even after you're poolside. 

Whether you're looking for a breathable top with compression for beach volleyball or a maxi dress to help ease you into stepping out in a string bikini, we've rounded up a list of swimsuit cover-ups to get you poolside ready under $50. And for times when choosing the right cover-up is less about the destination to the beach and more about being prepared for whatever plans take place after, we've made sure each pick is hot-weather approved with outfit potential. Ahead are our top choices for affordable beach wear.

The 12 best swimsuit cover-ups under $50:

Summersalt On-The-Go Shorts

Person posing wearing a black tank top with black shorts

Although these shorts were made for the beach, shoppers reported them to be a great everyday pair once they arrived. Their lightweight fabric, drawstring waist, and symmetrical pockets are the reasons reviewers can't stop reaching for them.

J. Crew Factory Cover-Up Shirtdress

White cover-up shirtdress
$34.50 from J. Crew
Originally $89.50Save 61%

This J. Crew Factory shirtdress is a chic cover-up option for getting cocktails near the shore or a weekend away. Unlike other cover-ups inspired by the oversized white button-up, this dress cinches at the waist for a more form-hugging fit that's crisp and tailored around the collar and flowy and loose around the hem.

Hanalei Cover-Up Maxi Skirt

Long pink cover-up skirt

This maxi skirt features a low hem that kisses the ankles and a high slit that drapes slightly over the thigh. The Hanalei Cover-Up Maxi Skirt can be slipped over most swimsuit bottoms and be worn from beach to brunch.

Wander Agio Beach Swimsuit Cover-Up

White knitted beachwear cover-up
$15.98 from Amazon
Originally $20.89Save 24%

Available in over 40 different colors, this free-spirited cover-up is made up of patterned mesh and netted material. The tassels that tie and hang at the center of each side slit add playful details bound to catch a few eyes.

Lulus Sandy Cove Cream Sheer Crochet Swim Cover-Up

White fishnet cover-up dress

While most crochet cover-up dresses feature a wide silhouette with wind-catching oversized sleeves, this crochet swim cover-up offers a bit more structure. The summer knit allows your swimsuit to peek through from underneath and enhances any figure placed within its seams.

Ekouaer Short Sarongs Beach Wrap

Black cover-up skirt

You really can't go wrong with a classic sheer wrap miniskirt. For $13 or less, this cover-up can be tied and worn several different ways, pairing nicely with just about any swimsuit it's placed on top of.

Billabong Wild Pursuit Romper

Green romper shorts

Getting ready for the beach isn't so hard with this cover-up one-piece. Details include cuffed hems, several large and functional pockets, and straps that loop loosely through its holes.

Ekouaer Swimsuit Beach Cover-Up Shirt

Black light cover-up dress

Somewhere between a shirt and a dress, this cover-up is short and breezy in the front and longer for more coverage in the back. Take full advantage of the relaxed beach bum vibe by pairing this tunic with dark shades and a wide-brimmed sun hat.

Aerie Chiffon Cape

Person wearing a blue bikini top and bottom with a white and blue cover-up

Finding a cover-up that fits well and matches your swimsuit can be tough, but this one-size-fits-all cape makes it a bit easier. The sleeves are bell-shaped and catch the wind when it's breezy and clings to the body freely when it's not.

Aerie Pool-To-Party Cover-Up

Person wearing a bikini set with an orange button up cover-up shirt

Raw edges and crinkled jersey fabric lend a relaxed boho feel to this classic oversized button-down. Available in colors from Soft Oat to Orange Musk, reviewers admit to buying a second color after receiving their first.

Roxy Whole Hearted Long Sleeve UPF 50 Rashguard

Person wearing a white Roxy Whole Hearted Long Sleeve UPF 50 Rashguard
Swim City

For competitive days in the sand, this Roxy long sleeve features UPF 50 protection that works to keep your skin safe from harmful rays so you can focus on your game-winning move.

Lulus Seaside Retreat Coral Red and Magenta Maxi Cover-Up

Person standing at the beach wearing a dress colored orange at the top and hot pink on the bottom

Make a statement in this Lulus color block maxi dress that's lightweight enough to catch a breeze and bold enough to catch the eyes of those who pass by. Both picture-worthy and brunch-approved, the Seaside Retreat Maxi Cover-Up is beachwear you won't want to take off.

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