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{{Infobox Flora
 
{{Infobox Flora
|title = Money tree
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|name= Money tree
|image = [[File:CF Money Tree.jpg|250px]]
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|image= [[File:Money tree.jpg|200px]]
|caption = A money tree in {{CF|nolink}}
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|type= Tree
|type = Tree
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|spawns= Randomly after the player plants bags of money in the [[Glowing Spot]] ({{PG}}, {{NH|short}}) or uses a golden shovel to plant money (later games).
|spawns = After planting Bells in [[shining soil]] ({{PG|shortest|nolink}}, {{NH|shortest|nolink}})<br>After planting Bells with a [[Golden tool|golden shovel]] ({{WW|shortest|nolink}}, {{CF|shortest|nolink}}, {{NL|shortest|nolink}})
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|rarity= Rare
|rarity = Rare
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|appearances= {{PG}}<br>{{WW}}<br>{{CF}}<br>{{NL}}<br>{{NH}}
 
}}
 
}}
'''Money trees''' are [[tree]]s in the {{SER}} that bear three bags of [[Bell]]s when grown. They can be grown by burying Bells, and the exact requirements to grow one varies between games. Once the Bells have been shaken from the tree, it becomes a regular hardwood tree. Money trees first appeared in {{DnM+}} and have appeared in all subsequent mainline games.
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'''Money trees''' are a type of [[tree]] in the {{SER}}. In {{PG}}, money trees can be planted with the regular or golden shovel by burying money in the daily [[Glowing Spot]] located in the player's [[town]]. In later games, the [[player]] can grow them by burying a bag of money using a [[Shovel|golden shovel]]. If the tree successfully grows and blooms, there will be three bags of the amount of Bells the player planted. However, more than 90,000 Bells can never be obtained; burying more than 30,000 Bells will still result in the tree producing three 30,000 Bell bags. Money trees will bloom, and thus produce money, only once.
  
==Appearances==
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The ability to grow money trees can also be a method to replace trees. Players with just 10,000 Bells can plant over 100 trees (using 100 Bell coins) in one day. Though this is slightly more expensive than purchasing [[sapling]]s from [[Tom Nook]], it is much quicker.
===In the first-generation games===
 
In {{DnM+}}, {{PG}}, and {{DnMe+}}, money trees can be grown by burying Bells in a [[Shining soil|shining spot]] with any shovel. If the tree grows, it will bear three Bell bags of the same value that as the one that was buried. Since the largest Bell bag value is 30,000, a maximum of 90,000 Bells can grow on a money tree, for a profit of 60,000 Bells.
 
  
===In {{WW|short|nolink}}===
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==Money tree probability==
In {{WW}}, money trees can be grown by burying Bells with a {{I|golden shovel|WW}}. If the tree grows, it will always bear three bags of 30,000 Bells, regardless of the amount buried.
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A tree's likelihood of blooming is based on the amount of Bells buried. The maximum number of Bells a tree will produce is 90,000 Bells, so burying more than 90,000 Bells wastes Bells. Despite the potential profit, money trees are not statistically profitable, having the player lose money on the long run because the expected return will never exceed the amount invested.
  
===In {{CF|short|nolink}}===
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{| class="wikitable"
In {{CF}}, money trees can be grown by burying Bells with a {{I|golden shovel|CF}}. If the tree grows, it will always bear three bags of 30,000 Bells, regardless of the amount buried. No more than one money tree can be grown per day, for a maximum profit of 89,000 Bells.
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|-
 
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! scope="col" | Bells Buried || Bloom Chance || Bells Dropped || Expected Return || % Return
At the minimum of 1,000 Bells buried, there is a 1% chance a tree will grow. This increased by 1% for every 1,000 Bells buried. Having yellow [[fêng shui]] increases the chance.
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|-
 
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|1,000||1%||3,000||30||3%
===In {{NL|short|nolink}}===
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|-
In {{NL}}, money trees can be grown by burying Bells with a {{I|golden shovel|NL}}. If the tree grows, it will always bear three bags of 30,000 Bells, regardless of the amount buried. No more than one money tree can be grown daily, for a maximum profit of 89,000 Bells. Below is a table explaining the percentages and how to increase them.
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|5,000||5%||15,000||750||15%
 
 
{| class="styled color-flora" style="margin: 0 auto; text-align: center;"
 
 
|-
 
|-
! scope="col" | {{Currency|Bells| 1,000}} buried || {{Currency|Bells| +1,000}} || Per [[Fêng shui]] Point || If Bell Boom [[ordinance]]
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|10,000||10%||30,000||3,000||30%
 
|-
 
|-
|1% Increase|| +1% Increase|| 0.02% Increase|| 10% Increase
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|20,000||20%||60,000||12,000||60%
|}
 
 
 
===In {{NH|short|nolink}}===
 
{{See also|Item:Money tree (New Horizons)}}
 
In {{NH}}, money trees can be grown by burying any amount of Bells in shining soil with any shovel. The money tree is now guaranteed to bloom regardless of what value of Bells the player has buried in the soil, so long as it is planted in a location where a tree can normally grow. Below is a table of the Bells buried and the resulting trees:<ref>{{Cite web|url=https://bigfootmg.github.io/ACNH-Plant-Guide/Extras.html|author=Bigfoot MG|title=Bigfoot MG's CRISPY Guide to PLANTS EXTRAS|site=ACNH Plant Guide|retrieved=March 24, 2021}}</ref>
 
 
 
{| class="styled color-flora" style="margin: 0 auto; text-align: center;"
 
 
|-
 
|-
! scope="col" | Bells buried || Bells on tree || % chances
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|30,000||30%||90,000||27,000||90%
 
|-
 
|-
|Less than or equal to {{Currency|Bells|1,000}}||3× {{Currency|Bells|1,000}}||100%
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|40,000||40%||90,000||36,000||90%
 
|-
 
|-
|rowspan=2|[[File:99k Bells NH Inv Icon cropped.png|15px|link=]] 1,001– 9,999 [[Bell]]s||3× amount buried||30%
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|50,000||50%||90,000||45,000||90%
 
|-
 
|-
|{{Currency|Bells|3,000}}||70%
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|60,000||60%||90,000||54,000||90%
 
|-
 
|-
|rowspan=2 style="border-bottom-left-radius:9px;"|Greater than or equal to {{Currency|Bells|10,000}}||3× amount buried||30%
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|70,000||70%||90,000||63,000||90%
 
|-
 
|-
|style="border-radius:0;"|3× {{Currency|Bells|10,000}}||70%
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|80,000||80%||90,000||72,000||90%
 
|-
 
|-
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|90,000||90%||90,000||81,000||90%
 
|}
 
|}
  
Since the largest Bell bag value is 99,000, a maximum of 297,000 Bells can grow on a money tree, for a profit of 198,000 Bells.
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A [[clover|4-leaf-clover]] planted underneath the money tree does not affect the probability of the tree blooming and producing money, nor does watering it with a [[Golden Watering Can]].  
 
 
When visiting a [[boat tour]] island, there is a 5% chance that the hardwood trees on the island will be money trees bearing three bags of 1,000 Bells.
 
  
==References==
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In {{NH|short|nolink}}, it appears that money trees will always bloom based on the value that was planted, however, burying more than 10,000 bells risks the loss of profits, as trees often cap at a 30,000 bell return.
{{Reflist}}
 
  
{{Image|note=Screenshots from {{PG|nolink}}, {{WW|short|nolink}}, {{NL|short|nolink}}, and {{NH|short|nolink}}}}
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{{Flora}}
{{Navbox Flora}}
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[[Category:Gameplay Elements]]
{{Navbox Gameplay elements}}
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[[Category:Flora]]
[[Category:Doubutsu no Mori+ flora]]
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[[Category:Easter Eggs]]
[[Category:Animal Crossing flora]]
 
[[Category:Doubutsu no Mori e+ flora]]
 
[[Category:Wild World flora]]
 
[[Category:City Folk flora]]
 
[[Category:New Leaf flora]]
 
[[Category:New Horizons flora]]
 

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