How to grow a Money Tree in Animal Crossing: New Horizons

Grow a Money Tree in Animal Crossing: New Horizons to get a bonus bundle of bells every few days.

Bells rule everything around me. Well, anything that isn’t accounted for by Nook Miles, that is. If you want to make some extra coins in Animal Crossing: New Horizons, you should aim to get yourself a Money Tree as soon as possible. Oh yes, they’re real, they’re lucrative, and they’re damned easy to get, provided you know what to do. Read on learn how to grow a Money Tree in Animal Crossing: New Horizons.

How to grow a Money Tree in Animal Crossing: New Horizons

How to grow a money tree in Animal Crossing: New Horizons
© Nintendo

Tom Nook may be taking all your money each time you pay off your debt, but thankfully Animal Crossing: New Horizons’ getaway island is filled with ways to make an extra lump of cash.Pne of the most reliable ways to haul in a tidy chunk of change is by growing yourself a Money Tree. 

To nurture your own trust fund, you’ll need to keep an eye out for a glowing spot on the ground of your island. It’ll look like a little shining golden light from the ground. If you dig in this spot with a shovel, you’ll discover a stash of bells, and the hole you pulled them from will be shining brightly. You could pocket the cash and leave it at that, but if you want a more reliable and larger lump of money, you should bury some money there instead.

Stand next to the glowing hole and, with a shovel in your hands, select a bundle of bells from your inventory. If you don’t have any bags of bells, you can separate them from your main stash of cash by selecting it instead of an item. Selecting the bells should show up an option to “Bury in Hole,” which will shove the bundle back where you found it, sprouting a tree up on top. Make sure to remember the tree’s location, as once it grows and starts to flourish, it’ll produce a bundle of bells each harvest. Now that’s a tree worth keeping in your orchard.

Bury 1000 bells and your tree will return 3000 each harvest, but bury 10k and you'll get 30k bells each harvest. We'll let you decide which is the better deal. No, actually, we won't. Bury 10k bells, you cowards.

Animal Crossing: New Horizons money tree guide
© Nintendo

So to summarize, here are the steps to grow a Money Tree in Animal Crossing: New Horizons:

  • Find a glowing spot on the ground.
  • Dig it using a shovel to receive bells.
  • Choose to bury a bundle of bells in the glowing hole.
  • Wait for the tree to grow.
  • Shake the tree to collect your harvest each time it flowers.

More Animal Crossing: New Horizons guides:

Now you know how to grow a Money Tree in Animal Crossing: New Horizons, you’ll need to worry far less about your bell balance. That leaves plenty of time to explore island and earn those Nook Miles. Visit our Animal Crossing: New Horizons game hub by clicking here if you want more news tip and tricks for the game.

Associate Editor

Henry Stenhouse serves an eternal punishment as the Associate Editor of AllGamers. He spent his younger life studying the laws of physics, even going so far as to complete a PhD in the subject before video games stole his soul. Confess your love of Super Smash Bros. via email at, or catch him on Twitter.


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