In the delightful world of Animal Crossing: New Horizons, the allure of building a self-sustaining island paradise is complemented by various opportunities to generate income, or bells. One such lucrative opportunity is the cultivation of money trees – a unique flora that literally bears currency as fruit. This comprehensive guide will navigate you through the process of finding the perfect spot, deciding the amount to bury, planting, nurturing, and finally, harvesting bells from your very own money tree. Embark on this exciting venture and watch your island’s economy flourish as you master the art and science of growing money trees in Animal Crossing: New Horizons.


How to Get Money Tree

Who said money doesn’t grow on trees? In Animal Crossing New Horizons it does grow on trees. To understand how to get money tree aka Bells Tree you first need to know how fossils work. We discussed this in our Money farming guide as well so do check it out for farming tips. Here’s a complete breakdown of planting and growing money trees in Animal Crossing New Horizons.

Finding the Glowing Spot

In the vast expanse of your island, a special phenomenon occurs daily that marks the birthplace of a potential money tree. This section will guide you through the steps to identify and utilize this glowing spot to plant your money tree.

Steps to Find the Glowing Spot

  1. Roam Your Island:
    • Dedicate time each day to explore your island. The glowing spot appears once daily, offering you a chance to plant a money tree.
  2. Look for the Golden Glow:
    • Keep an eye out for a distinctive golden glow emanating from the ground as you traverse your island. This glow signals the presence of a buried bag of bells and the opportunity to plant a money tree.
  3. Dig Up the Spot:
    • Use your shovel to dig up the glowing spot. You will unearth a bag of bells, but the real treasure is the glowing hole left behind, ready to nurture a new money tree.
  4. Do Not Fill the Hole:
    • Resist the urge to fill the hole. This glowing hole is the ideal spot to plant your money tree for a bountiful harvest later on.


  • Make it a daily habit to search for the glowing spot to maximize your opportunities to plant money trees.
  • Utilize the island’s map to ensure you cover all areas during your search.
  • Be patient and thorough in your search to ensure you do not miss the glowing spot.

How Much to Bury

In the world of Animal Crossing: New Horizons, the amount you choose to bury in the glowing hole plays a crucial role in determining the yield of your money tree. This section will guide you through making an informed decision on how much to bury to maximize your return on investment.

Steps and Considerations

  1. Burying 1,000 Bells:
    • Burying the initial amount you dig up (1,000 bells) guarantees a return of three bags of 1,000 bells each, totaling 3,000 bells.
  2. Burying More Than 1,000 Bells:
    • You can choose to bury more than 1,000 bells, and the tree may yield three times the amount buried.
    • However, burying more than 10,000 bells does not guarantee a triple return and carries a risk of loss.
  3. Making the Decision:
    • Assess your financial situation in the game.
    • Decide whether to play it safe with a guaranteed return or take a risk for a potentially higher payout.


  • Starting with a smaller amount is advisable if you are new to money tree planting.
  • As you accumulate more wealth, consider taking calculated risks by burying larger amounts.
  • Keep track of the amounts you bury and the returns to make more informed decisions in the future.

Planting the Money Tree

After finding the glowing spot and deciding how much to bury, the next step is to actually plant your money tree. This section provides a detailed guide on how to plant the money tree to ensure its healthy growth and a bountiful harvest of bells.

Steps to Plant the Money Tree

  1. Prepare Your Bells:
    • Ensure you have the desired amount of bells in your inventory for planting.
  2. Access Your Inventory:
    • Open your inventory and select the bag of bells you wish to bury.
  3. Bury the Bells:
    • Stand near the glowing hole and choose the option to bury the bag of bells in the ground.
    • A sapling will appear, indicating the successful planting of your money tree.
  4. Ensure Adequate Space:
    • Make sure the area around the sapling is clear to allow it to grow unhindered.
    • Avoid planting too close to buildings, water bodies, or other trees.
  5. Wait for the Tree to Grow:
    • Be patient and allow time for the tree to grow. It takes a few days for the money tree to fully mature.


  • Ensure you have a shovel in your inventory for the planting process.
  • Regularly check on the growth of your tree to ensure it is growing as expected.
  • Avoid digging up the sapling as it will not yield any return and you will lose your investment.

Growing the Money Tree

Growing a money tree in Animal Crossing: New Horizons requires patience and attention to ensure a healthy tree and a full harvest of bells. This section will guide you through the process of growing your money tree and ensuring its successful maturation.

Steps to Grow the Money Tree

  1. Allow Time for Growth:
    • After planting, allow three to five days for your money tree to fully grow.
  2. Ensure Unobstructed Growth:
    • Make sure the area around your money tree is clear of objects, other trees, and buildings to ensure its healthy growth.
  3. Monitor the Growth:
    • Regularly check on your money tree to monitor its growth stages and ensure it is growing healthily.
  4. Avoid Relocating the Sapling:
    • Refrain from digging up and relocating the sapling as it may affect the growth and yield of the tree.


  • Patience is key to the successful growth of your money tree.
  • Clear any obstructions around the tree to ensure it has adequate space to grow.
  • Refrain from activities that may damage or hinder the growth of the tree, such as hitting it with tools or planting other trees too close.

Harvesting the Bells

The culmination of your efforts in planting and growing a money tree in Animal Crossing: New Horizons is the harvesting of bells. This section provides a comprehensive guide on how to harvest the bells from your fully grown money tree, ensuring you reap the rewards of your investment.

Steps to Harvest the Bells

  1. Wait for Full Growth:
    • Ensure your money tree has fully grown and is bearing bags of bells before attempting to harvest.
  2. Approach the Money Tree:
    • Walk up to your fully grown money tree.
  3. Harvest the Bells:
    • Press the “A” button to shake the tree and harvest the bags of bells.
    • Each money tree will yield three bags of bells, each equal to the amount you buried.
  4. Collect the Bells:
    • Pick up the bags of bells from the ground to add them to your inventory.
  5. Manage the Empty Tree:
    • After harvesting, the money tree becomes a regular hardwood tree.
    • Decide whether to keep it or chop it down to make space for new money trees.


  • Ensure the tree is fully grown before attempting to harvest to ensure maximum yield.
  • Be prompt in harvesting the bells to make room for new money tree planting opportunities.
  • Manage your harvested trees efficiently to maintain a continuous cycle of money tree planting and harvesting.

How Money Tree Works – Bloom Chance, Bell Drops, Investment Return

Money tree aka Bells Tree is a bit of gamble and the returns depend on the amount of money you plant. Here are the stats you need to know about:

Bells BuriedBloom ChanceBells DroppedExpected Return % Return

That’s how to get a money tree in Animal Crossing New Horizons. I hope this helps you get richer in the game. If you need more help with the game check our Animal Crossing New Horizons Wiki.