Money tree

Money tree
Money tree
	200px;
Type	Tree
Spawns	Randomly after the player plants bags of money in shining soil (Animal Crossing, New Horizons) or uses a golden shovel to plant money (other games).
Main appearances
	DnM DnM+ AC DnMe+ iQue; WW CF NL NH
Other appearances
	Film HHD aF PC

"Bell tree" redirects here. For the Animal Crossing community forum, see The Bell Tree.

Money trees are a type of tree in the Animal Crossing series. In Animal Crossing and Animal Crossing: New Horizons, money trees can be planted with the regular or golden shovel by burying money in the daily shining soil. In Animal Crossing: Wild World, Animal Crossing: City Folk and Animal Crossing: New Leaf, the player can grow them by burying a bag of money using a 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.

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]

Bells Buried	Bells Dropped	% Chances
Less than or equal to 1,000 Bells	3,000 Bells	100%
1,001 - 9,999 Bells	3x amount buried	30%
1,001 - 9,999 Bells	3,000 Bells	70%
Greater than or equal to 10,000 Bells	3x amount buried	30%
Greater than or equal to 10,000 Bells	30,000 Bells	70%