Money tree

Money trees are a type of tree in. In for the GameCube, money trees can be planted with the regular or golden shovel by burying money in the daily shiny spot in the player's town. In later games, to grow them, the player buries a bag of money using a golden shovel. After the tree is grown, if it blooms, there are three bags of the amount of Bells the player has planted or 30,000 Bell bags; whichever is lower. The tree will bloom, and thus produce money, only once.

The ability to grow money trees is can also be a method to replace trees. Players with just 10,000 Bells can plant over 100 trees in one day. Though this is slightly more expensive than purchasing saplings from Tom Nook, it is much quicker.

Money tree probability
The trees 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.

A 4-leaf-clover planted underneath the money tree does not affect the probability of the tree blooming and producing money. It will only prevent the tree from wilting as it does for a normal tree.