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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 saplings from Tom Nook, it is much quicker.
Money tree probability
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 30,000 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.
Bells Buried
Bloom Chance
Bells Dropped
Expected Return
% Return
1,000
1%
3,000
30
3%
5,000
5%
15,000
750
15%
10,000
10%
30,000
3,000
30%
20,000
20%
60,000
12,000
60%
30,000
30%
90,000
27,000
90%
40,000
40%
90,000
36,000
90%
50,000
50%
90,000
45,000
90%
60,000
60%
90,000
54,000
90%
70,000
70%
90,000
63,000
90%
80,000
80%
90,000
72,000
90%
90,000
90%
90,000
81,000
90%
A 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.
In New Horizons, the mechanics of Money Trees were changed. The money tree will now bloom regardless of what value of Bells the player has buried in the soil, in addition to the money trees now capable to produce three times the amount of Bells produced. However, the chances of obtaining three times the amount of Bells buried is 30%, as 70% will result in the player receiving 1,000 Bells for Bells between 1,001 and 9,999 Bells, and 10,000 Bells for Bells over 10,000 Bells.[1]