This depends on the kind of effect you’re looking to create. Whites and creams can make navy feel fresh and deep, while warm neutrals soften navy’s boldness for a more balanced and inviting look. For a touch of sophistication, consider soft grays and charcoal. Gold, brass, or warm metallics can add richness and elegance, while sage green or a muted mustard yellow pairs well with navy without competing. Make sure to sample a range of colors, so you can choose your color pairing with confidence.