How To Grow Money Trees In Animal Crossing: New Horizons

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Want to make a lot of Bells in Animal Crossing: New Horizons? Money Trees are a great way to do it, letting you earn enough to buy all the furniture and items you want. Just be patient – it takes a few days to see the results!

Check out our complete collection of Animal Crossing: New Horizons guides, including everything you need to know about the 3.0 update, all in one place!

Table of Contents [hide]

  • Where to find and plant Money Trees or Bell Trees
  • How long does it take for Money Trees to grow?
  • What amount should you bury in shiny spots?

Where to find and plant Money Trees or Bell Trees

Money Trees, or Bell Trees, don’t grow on their own in your game. You have to plant them and then wait for them to mature.

Here’s what you need to do:

  • Every daily reset, at 5 a.m. local time, there will always be at least one shiny spot on your island. Dig this spot using any type of Shovel.
  • You’ll automatically receive a bag that contains 1,000 Bells. You can put this away so it can be added to your total cash in your inventory.
  • Next, click on the money in your inventory and create a separate bag that has an amount of cash. We recommend having a bag that has 10,000 Bells.
  • When you bury this in the shiny spot, you’ll notice that it turns into a sapling.

How long does it take for Money Trees to grow?

It takes four days for Money Trees in Animal Crossing: New Horizons to grow – that’s four times the game resets for the day. Once fully grown, you’ll see bags of money on the tree. Shake the tree to collect your cash, and it will then become a regular tree.

If you’d like to make things happen faster, you can use a helpful trick. Just save and quit the game, then change the date on your Nintendo Switch system settings to move forward in time.

What amount should you bury in shiny spots?

As we discussed before, we recommend putting a bag containing 10,000 Bells into any sparkling spots you find while digging.

  • An amount of 10,000 is almost always guaranteed to spawn a tree with three bags, which nets you 30,000 Bells. Higher amounts aren’t always guaranteed to be tripled.
  • Assuming you do this every day in each shiny spot you discover, then you should always have +20,000 Bells (net) once your trees have fully grown.

That wraps up our guide to growing Money Trees in Animal Crossing: New Horizons. Remember, this is just one of many ways to earn Bells quickly in the game!

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2026-01-16 21:11