A money tree in Animal Crossing: City Folk
|Spawns||After planting Bells in shining soil (AC, NH)|
After planting Bells with a golden shovel (WW, CF, NL)
Money trees are trees in the Animal Crossing series that bear three bags of Bells 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 Doubutsu no Mori+ and have appeared in all subsequent mainline games.
In the first-generation games
In Doubutsu no Mori+, Animal Crossing, and Doubutsu no Mori e+, money trees can be grown by burying Bells in a 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 Wild World
In City Folk
In Animal Crossing: City Folk, money trees can be grown by burying Bells with a golden shovel. 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.
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.
In New Leaf
In Animal Crossing: New Leaf, money trees can be grown by burying Bells with a golden shovel. 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.
|1,000 Bells Bells buried||+1,000 Bells||Per Fêng shui Point||If Bell Boom ordinance|
|1% Increase||+1% Increase||0.02% Increase||10% Increase|
In New Horizons
In Animal Crossing: New Horizons, 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:
|Bells buried||Bells on tree||% chances|
|Less than or equal to 1,000 Bells||3× 1,000 Bells||100%|
|1,001– 9,999 Bells||3× amount buried||30%|
|Greater than or equal to 10,000 Bells||3× amount buried||30%|
|3× 10,000 Bells||70%|
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.
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.
- Bigfoot MG. "Bigfoot MG's CRISPY Guide to PLANTS EXTRAS". ACNH Plant Guide. Retrieved March 24, 2021.