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A pearl is a hard object produced within the soft tissue (specifically the mantle) of a living shelled mollusk. Just like the shell of a mollusk, a pearl is made up of calcium carbonate in minute crystalline form, which has been deposited in concentric layers. The ideal pearl is perfectly round and smooth, but many other shapes of pearls (baroque pearls) occur. The finest quality natural pearls have been highly valued as gemstones and objects of beauty for many centuries, and because of this, the word pearl has become a metaphor for something very rare, fine, admirable, and valuable.

The most valuable pearls occur spontaneously in the wild, but they are extremely rare. Cultured or farmed pearls from pearl oysters make up the majority of those that are currently sold. Pearls from the sea are valued more highly than freshwater pearls. Imitation or fake pearls are also widely sold in inexpensive jewelry, but the quality of their iridescence is usually very poor, and generally speaking, artificial pearls are easily distinguished from genuine pearls. Pearls have been harvested and cultivated primarily for use in jewelry, but in the past they were also stitched onto lavish clothing. Pearls have also been crushed and used in cosmetics, medicines, and in paint formulations.

Pearls that are considered to be of gemstone quality are almost always nacreous and iridescent, wild or cultured, like the interior of the shell that produces them. However, almost all species of shelled mollusks are capable of producing pearls (formerly referred to as "calcareous concretions" by some sources) of lesser shine or less spherical shape. Although these may also be legitimately referred to as "pearls" by gemological labs and also under U.S. Federal Trade Commission rules,[1] and are formed in the same way, most of them have no value, except as curios.

Almost any shelled mollusk can, by natural processes, produce some kind of "pearl" when an irritating microscopic object becomes trapped within the mollusk's mantle folds, but the great majority of these "pearls" are not valued as gemstones. Nacreous pearls, the best-known and most commercially-significant pearls, are primarily produced by two groups of molluscan bivalves or clams. A nacreous pearl is made from layers of nacre, by the same living process as is used in the secretion of the mother of pearl which lines the shell.

A "natural pearl" or "wild pearl" is one that forms without any human intervention at all, in the wild, and is very rare. Many hundreds of pearl oysters or pearl mussels have to be gathered and opened, and thus killed, in order to find even one wild pearl, and for many centuries that was the only way pearls were obtained. This was the main reason why pearls fetched such extraordinary prices in the past. A cultured pearl is formed in a pearl farm, using human intervention as well as natural processes.

One family of nacreous pearl bivalves – the pearl oyster – lives in the sea, while the other – a very different group of bivalves – lives in freshwater; these are the river mussels such as the freshwater pearl mussel. Saltwater pearls can grow in several species of marine pearl oysters in the family Pteriidae. Freshwater pearls grow within certain (but by no means all) species of freshwater mussels in the order Unionida, the families Unionidae and Margaritiferidae.

The difference between wild and cultured pearls focuses on whether the pearl was created spontaneously by nature – without human intervention – or with human aid. Pearls are formed inside the shell of certain mollusks as a defense mechanism against a potentially threatening irritant such as a parasite inside its shell, or an attack from outside, injuring the mantle tissue. The mollusk creates a pearl sac to seal off the irritation.

The mantle of the mollusk deposits layers of calcium carbonate (CaCO3) in the form of the mineral aragonite or a mixture of aragonite and calcite (polymorphs with the same chemical formula, but different crystal structures) held together by an organic horn-like compound called conchiolin. The combination of aragonite and conchiolin is called nacre, which makes up mother-of-pearl. The commonly held belief that a grain of sand acts as the irritant is in fact rarely the case. Typical stimuli include organic material, parasites, or even damage that displaces mantle tissue to another part of the mollusk's body. These small particles or organisms gain entry when the shell valves are open for feeding or respiration. In cultured pearls, the irritant is typically an introduced piece of the mantle epithelium, together or without a spherical bead (beaded or beadless cultured pearls)

Natural pearls are nearly 100% calcium carbonate and conchiolin. It is thought that natural pearls form under a set of accidental conditions when a microscopic intruder or parasite enters a bivalve mollusk, and settles inside the shell. The mollusk, being irritated by the intruder, forms a pearl sac of external mantle tissue cells and secretes the calcium carbonate and conchiolin to cover the irritant. This secretion process is repeated many times, thus producing a pearl. Natural pearls come in many shapes, with perfectly round ones being comparatively rare.