A computer system includes a three-dimensional model of an object such as a piece of jewelry. The model is divided into multiple layers, each of which contains one or more components of the object. Each layer is associated with one or more attribute types, each of which is associated with a corresponding plurality of possible attribute values. The system pre-renders each layer with each possible attribute type and each possible attribute value for that type and layer. The resulting layer renderings may be combined with each other to produce personalized renderings of the entire object without the need to pre-render all possible combinations of attribute values. Responsibility for rendering the layers and the final complete object personalization may be divided between client and server in a variety of ways to increase efficiency.