Animal Crossing: New Horizons (ACNH) Wiki Guide
Money Tree Guide - How to Grow & Limit
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Money Tree Guide - How to Grow & Limit

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Read this Animal Crossing: New Horizons Switch (ACNH) guide on how to grow a money tree / bell tree. Including how to plant a money tree, do money trees grow back, and growth & regrowth time!

Table of Contents

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What Is A Money Tree?

A Tree That Grows Money

Money Tree

Everything you've been told about money not growing on trees does not apply in Animal Crossing - a Money Tree is a tree that will literally give you bags of money (bells) when you shake it!

Does Not Grow Back Bells

Keep in mind that the money tree will only give you bells when you shake it for the first time. Once the bells fall, it will not produce money anymore.

Keep Planting Money Trees

However, you can keep planting Money Trees as long as you find glowing holes on the ground.

Money Tree - How To Grow

Money Tree Planting Process

Find a spot with buried treasure.
Use a shovel to dig up said treasure!
Bury the money you just dug up
Wait 5-6 days
You now have a money tree

①〜② Find A Spot With Buried Treasure

Buried Treasure

First things first, you'll need to find a glowing spot on the ground outside. This indicates that treasure is buried there, so dig it up with your Shovel!

③ Plant The Money In The Hole


Next, though it may seem unintuitive, next plant some money in the hole you just dug up! We recommend putting in exactly 10,000 bells (the limit for one bag), because if you put in any more you'll lose money!

④〜⑤ Fully Grown In 5 Days

Money Tree

After 5 or 6 days pass, your pouch of money will have grown into a beautiful, profitable tree! Shake it thoroughly and reap the rewards.

How Much Money Should You Bury & Limit

Max Amount You Can Get Per Tree Is 30K


The amount of bell which grow on the tree will be 1/3 of the money you've buried. However, the maximum amount of bells that can grow on the money tree is 30,000 bells (10,000bells x 3). Do not bury more than 10,000 bell. Bury 10,000 bells to maximize your profit.

Check Out Other Ways To Earn Money Fast From Here!

Note: Conflicting Reports

There have been multiple reports of people planting bags of 99,999 bells and having a tree provide them triple returns. We have not been able to confirm this ourselves and thus don't recommend you give this a try, as it seems to be highly random.

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Anonymous 44

My money trees aren’t spawning money for four days now

ACNH Guy 43

You can burry up to 99k Bells in a gold spot.

Anonymous 42

What do you do with money trees after they give you money.

LukromChan 41

this is full of lies

Anonymous 40

I've always gotten triple what I buried (99k bells) as long as I don't move the tree from is original spot, if I move it the return drops to just 30k. Just plant your tree and leave it alone

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