Mathilde Loisel, a middle-class clerk's wife, is unhappy with her life and dreams of wealth and elegance. After borrowing a diamond necklace for a ball, she loses it and replaces it with an expensive duplicate, leading to ten years of hardship to pay off the debt. In a chance encounter, Mathilde learns from her friend that the original necklace was only a fake, worth just five hundred francs, revealing the irony of her sacrifices.