An adjustable pillow, comprising of a stretchable pillow cover having a plurality of removable inserts. The inserts may be in various thicknesses, shapes, compositions and firmness to permit adjustment for overall pillow height, overall firmness, and surface firmness when inserted into the cover. The total height of the pillow depends on the total height of the various inserts being used, the overall firmness depends on whether the inserts are soft, medium or firm, and the surface firmness depends on the firmness of the topmost inside layer.