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Money Tree

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The Money 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 as a long term strategy, you will plant more than you pluck.

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 you play long enough, you are sure 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.

BellTreeProfitability
Because of the 90,000 Bell cap, planting money trees is not long-term profitable no matter how many Bells you invest into the ground.
HubcappAdded by Hubcapp
Bells Buried Bloom Chance Bells Dropped Expected Return  % Return
1,0001%3,000303%
5,0005%15,00075015%
10,00010%30,0003,00030%
20,00020%60,00012,00060%
30,00030%90,00027,00090%
40,00040%90,00036,00090%
50,00050%90,00045,00090%
60,00060%90,00054,00090%
70,00070%90,00063,00090%
80,00080%90,00072,00090%
90,00090%90,00081,00090%
100,000100%90,00090,00090%
110,000100%90,00090,00082%
120,000100%90,00090,00075%

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

  • To minimize the expected loss it is best to bury an amount between [30,000 to 90,000] because the expected return is 90% of your investment. Less, and the reward drops with the probability resulting in a lower expectation; more, and you are removing the random probability from it (100% chance) and sealing your fate at a return of 90,000 Bells.
  • To maximize potential gain, it is best to bury an amount between [100 to 30,000] because if your gamble is successful, your reward is triple your 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 100 trees can be planted in one day. Although slightly more expensive than purchasing saplings from Tom Nook, it is much quicker.

Trivia

  • Some players have believed that Money Trees are myths only obtainable by hacking and that they cannot be grown without glitches. This was, of course, proven incorrect.
Flora
Undergrowth vegetation FlowerGrassBushJacob's Ladder
Trees BambooMoney TreeStumpPalmTree
Weeds WeedCloverRafflesiaDandelion
Other Grass DeteriorationFruitFlower Fest
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