
Pattern Description:
This pattern guides you through creating a Crochet Heart Money Locket, which serves as a perfect place to stash your money when you’re without a purse or wallet.
The project involves crocheting two hearts, sewing them together with a small opening, and then adding a crocheted necklace.
Materials Needed & Measurements:
- Yarn: 2 different colors of yarn.
- Hook: Crochet hook.
- Notions:
- Tapestry needle
- Scissors
Stitches & Abbreviations Used:
- Ch: Chain
- SC: Single Crochet
- sl st: Slip Stitch
- DC: Double Crochet
- TRC: Treble Crochet
- st: Stitch
- beg: Beginning
Instructions for Making the Heart Locket Crochet Pattern:

Heart Construction (Make Two)
You will need to create two identical hearts for the locket.
Follow these steps for each heart:
- Row 1: Establishing the Base
- Ch 2: Begin by making a Chain (Ch) of 2 stitches. To do this, create a slip knot on your hook, then yarn over and pull the yarn through the loop on your hook to form the first chain, repeating this once more to achieve two chains.
- SC 12 in 2nd ch from hook: Next, you will work 12 Single Crochet (SC) stitches into the second chain from your hook. This means inserting your hook into the second chain stitch you made (the one furthest from the hook), yarning over, pulling up a loop (you now have two loops on your hook), yarning over again, and pulling through both loops. Repeat this action 11 more times into the same chain stitch, ensuring all 12 SCs are worked into that single foundation chain. This forms the central ring for your heart.
- Join with sl st: To complete the first row and form a closed circle, insert your hook into the first SC you made in this row. Yarn over and pull the yarn through both the stitch and the loop already on your hook. This creates a slip stitch (sl st), effectively joining the round.
- Row 2: Shaping the Heart
- This row builds the distinct heart shape from your initial circle.
- Ch 2: Start the row by making a Chain (Ch) of 2 stitches. This chain will act as the turning chain for this row.
- 1 DC in next 2 st: Now, work one Double Crochet (DC) stitch into each of the next 2 stitches. To make a DC, yarn over, insert your hook into the designated stitch, yarn over and pull up a loop (you should have three loops on your hook), yarn over and pull through two loops, yarn over again and pull through the remaining two loops.
- DC 5 in next st: In the following stitch (st), you will work 5 Double Crochet (DC) stitches. This means performing the DC stitch five times into that single stitch, which helps to create one of the rounded lobes of the heart.
- skip next st: Skip the next stitch. Do not work into it.
- sl st in next st: Make a slip stitch (sl st) in the next stitch. This stitch will begin to form the dip at the top center of the heart.
- skip next st: Skip the next stitch again. Do not work into it.
- DC 5 in next st: Similar to before, work 5 Double Crochet (DC) stitches into the next stitch. This creates the second rounded lobe of the heart.
- 1 DC in next 3 st: Work one Double Crochet (DC) stitch into each of the next 3 stitches.
- 1 TRC in next st: In the next stitch (st), work one Treble Crochet (TRC). To make a TRC, yarn over twice, insert your hook into the stitch, yarn over and pull up a loop (you should have four loops on your hook), yarn over and pull through two loops, yarn over and pull through two more loops, and finally, yarn over and pull through the last two loops. This elongates the point of the heart.
- 1 DC in next 2 st: Work one Double Crochet (DC) stitch into each of the next 2 stitches.
- Join beg st with sl st: To complete the heart shape, join to the beginning (beg) stitch of this row with a slip stitch (sl st).
- Bind off leaving tail for sewing together: Bind off your yarn, but make sure to leave a long tail of yarn for sewing the two hearts together later. To bind off, cut the yarn, leaving a sufficient tail, and pull the tail completely through the loop on your hook to secure the stitch.
- Repeat all steps for “Heart Construction” to create a second identical heart.
Assembling the Locket: Sew Hearts Together
Once you have two completed hearts, it’s time to assemble them into the locket:
- Carefully align the two crocheted hearts, making sure their right sides are facing outwards.
- Using the long yarn tail you left on one of the hearts and your tapestry needle, begin to sew the two hearts together around their perimeter. You can use a whip stitch or a mattress stitch for a neat finish.
- Crucially, you must leave a small opening at the top of the heart. This opening will be where you insert or retrieve your money. Ensure the opening is large enough for a folded bill but small enough to keep it secure.
Creating the Necklace
With your two hearts sewn together, the next step is to add the necklace:
- Using other color: Take your second color of yarn that you set aside earlier.
- Sl st the side of the heart: Attach the new yarn to one side of the sewn heart with a slip stitch (sl st). You can do this by inserting your hook into a stitch along the side edge of the heart, pulling up a loop of your new yarn, and then pulling that loop through the loop on your hook to secure it.
- Ch 60: From this point, create a Chain (Ch) of 60 stitches. This will form the length of your necklace. Adjust this number if you prefer a longer or shorter necklace.
- Sl st to the opposite side of the heart: Once your chain of 60 is complete, attach the end of this chain to the opposite side of the heart (where the opening is, but on the exterior edge) with another slip stitch (sl st). This creates a continuous loop for the necklace.
Finishing Touches
Almost done! Just a few final steps to complete your Crochet Heart Money Locket:
- Bind off: After attaching the necklace, bind off the yarn. Cut the yarn, leaving a short tail, and pull it through the loop on your hook to secure.
- Sew in any loose ends: Using your tapestry needle, carefully weave in all remaining loose ends from both the heart construction and the necklace attachment. This ensures a neat and durable finish for your locket.
Once all ends are woven in, your Heart Locket Crochet Pattern is complete and ready to hold your essentials!
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