How to Get Money Tree in Animal Crossing New Horizons

Animal Crossing New Horizons money tree

Getting your hands on more money is really important in Animal Crossing New Horizons. One of the best ways to do so is to get yourself Money Trees. How to get money trees you ask? Well, in our Animal Crossing New Horizons Money Tree guide we will explain how to get money trees.

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.

Every day fossils appear in the dirt on your Island. These fossils must be dug from the dirt and their locations are marked with a tell-tale crack on the ground. You can find these random locations across the Island.

You can use your shovel to dip up fossils and later sell them for a profit. However, every now and then you will come across a special crack in the ground. The crack will give a golden shine and when you dig it up you get 1000 Bells. You can keep the Bells but that’s not what you should do. Instead, plant the Bells and in just a few days you will get a full-grown money tree in Animal Crossing New Horizons.

How Money Tree Works

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 Buried Bloom Chance Bells Dropped Expected Return  % Return
1,000 1% 3,000 30 3%
5,000 5% 15,000 750 15%
10,000 10% 30,000 3,000 30%
20,000 20% 60,000 12,000 60%
30,000 30% 90,000 27,000 90%
40,000 40% 90,000 36,000 90%
50,000 50% 90,000 45,000 90%
60,000 60% 90,000 54,000 90%
70,000 70% 90,000 63,000 90%
80,000 80% 90,000 72,000 90%
90,000 90% 90,000 81,000 90%
100,000 100% 90,000 90,000 90%
110,000 100% 90,000 90,000 82%
120,000 100% 90,000 90,000 75%

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.

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