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The Money Tree (also referred to as a Bell Tree) is a type of tree featured in the Animal Crossing series. To grow them, the player must bury a bag of Bells using a golden shovel. After the tree has fully grown, it may bloom with three bags of bells at amounts dependent on how much was initially buried. The tree will only bloom, and thus produce money, one time.

Planting Money Trees can result in a great short term profit, but in the long term, more bells will generally be spent than received.

Money Tree Probability

The likelihood of a tree blooming is dependent on of the amount of bells buried. The maximum amount of bells any tree may produce is 90,000, and it will bloom only once, meaning that it is detrimental to bury an amount exceeding 90,000 Bells. Unfortunately, Money Trees are not statistically profitable. It is more akin to gambling at a casino—if someone plays long enough, they are more likely to lose. This is because despite the Money Tree's chance to bloom, which varies upon how many bells are initially buried, the expected return will never exceed the amount invested. If two or more money trees are planted during the same day, only one will bloom, so it is wise to plant money trees on different days.


Because of the 90,000 Bell cap, planting money trees is not long-term profitable no matter how many Bells the player invests into the ground.

Bells Buried Bloom Chance Bells Dropped Expected Return  % Return

Given this data, the most advantageous amount to bury would be 30,000 Bells, giving a 30% probability of tripling the player's profits. This is because:

  • To minimize the expected loss it is best to bury an amount between [30,000 to 100,000] because the expected return is 90% of the initial investment. Less, and the reward drops with the probability resulting in a lower expectation; more, and the player is removing the random probability from it (100% chance) and sealing their fate at a return of 90,000 Bells.
  • To maximize potential gain, it is best to bury an amount between [1,000 to 30,000] because if the player's gamble is successful, their reward will be triple their investment.

Dealing with Deforestation

The ability to grow trees from money is tremendously useful in dealing with excessive deforestation, possibly caused by the player due to inconvenient tree placement. With 10,000 Bells, over 10 trees can be planted in one day. Although slightly more expensive than purchasing saplings from Leif, it is much quicker.


BambooBushCloverDandelionFlowerFlower FestFruitGrassGrass DeteriorationJacob's LadderMoney TreeMushroomPalmRafflesiaStumpTreeWeed

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