Gold- and silver-tone jewelry can work together without following a strict rulebook. The easiest starting point is one piece that already combines both tones, such as a two-tone watch or mixed-metal pendant. It gives the rest of your jewelry a visual link and makes the pairing feel considered rather than accidental.
If you do not have a mixed-metal piece, repeat a shape or style across the different finishes. For instance, simple silver hoops can sit comfortably beside a gold chain with a similar clean profile. You can also let one tone lead and use the other as a smaller accent. This creates balance without requiring equal amounts of each metal.
Try the combination in front of a mirror with the outfit you plan to wear. Notice whether the jewelry feels harmonious to you, not whether it follows someone else's formula. Keep the number of focal pieces manageable if you want a quieter look; use more variation when you want the jewelry to stand out. Personal style is a better guide than matching everything perfectly.