While there's a lot you can grow in Animal Crossing New Horizons, the most surprising crop is bells themselves, planting trees that literally grow money on their branches. Here we'll explain how to grow money trees and how you can make as much profit off them as possible.
On this page:
- How to Grow Money Trees in Animal Crossing New Horizons
- How Many Bells Do You Get From Money Trees?
- What is the Maximum Number of Bells You Can Plant?
How to Grow Money Trees in Animal Crossing New Horizons
Money trees can only be grown in certain locations - namely anywhere you've found the glinting gold sections of ground that we've outlined the details of here. Once you find one, dig it up and claim the treasure inside. This'll leave you with a glowing gold hole that you just made, one that looks very different to regular holes.
Now you have that, instead of filling it in, go into your inventory and select your bells to separate some of them into an item you can then drop and pick up. Approach the glowing gold hole and choose to bury the bag of bells in your inventory. This'll plant it in the ground, marking it as though any buried object were there.
Now simply walk away and come back exactly three days later. A tree should've grown in place, with three separate bags of bells hanging off it instead of fruit. Congratulations, you've just made your very own money tree! Now you just shake it or hit it with an axe to get the bells down, whereupon you can pocket them and walk away.
How Many Bells Do You Get From Money Trees?
Money trees work as a means to invest your money, but the amount of bells they drop scales to how much you planted in the ground to begin with. You'll get three times the amount you plant, so putting 1000 bells in the ground will produce a tree that drops 3000 bells. This remains constant up until 10,000 bell investments (for 30,000 bells), but planting any more than that and you start to be at the mercy of randomness. You could plant 99,000 bells and get the regular investment, or you could get less than you buried in the first place. For this reason, it's hard to recommend putting in more 10,000 bells at a time when you're planting a money tree.
Once you harvest the bells from a tree the first time, it won't drop any more money, becoming a normal tree from that point on. Feel free to dig it up or chop it down if you want, because you won't get any more from it.
What is the Maximum Number of Bells You Can Plant?
The most amount of bells you can put in the ground in one go is the same as the amount you can have in one inventory slot - 99,000 bells. Because you can only bury a single item in one dug hole, you can never get more than this. And, as mentioned above, it's not always guaranteed to be profitable putting this much in.
Now that you're rolling in bells, a rich raccoon like yourself can take the time to read some more Animal Crossing content, surely? Caty's review of new Horizons would be a good start, and follow it up with our ode to cherry blossom season.