Light skin has a pale and white tone
Fair skin has a white tone
Medium skin has a white to light brown tone
Olive skin has a light to medium brown tone
Brown skin has a brown tone
Dark brown skin has a dark brown tone
Black skin has a dark brown to black tone
If silver jewelry looks better on you, then you have a cool skin tone. If you look better in gold jewelry, then you have a warm skin tone. If gold and silver both look great on you, then you have a neutral skin tone.