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How Money Trees Function in ACNH

Summary:Learn how money trees work in ACNH and maximize your profits! Plant at the beginning of the month, in a grid pattern, and avoid obstacles. Other investment opportunities include the turnip market and stock trading.

How Money Trees Function in ACNH

Animal Crossing: New Horizons (ACNH) has taken the gaming world by storm, and one of the most interesting features of the game is the money tree. In this article, we will delve into the mechanics of money trees in ACNH, how they function, and how players can make the most of them.

What are Money Trees in ACNH?

Money trees are a unique feature in ACNH that allows players to grow their own money. When a player plants a bag of bells in the ground, a money tree will sprout. The amount of bells that can be harvested from the money tree depends on the amount of bells that were initially planted.

How do Money Trees Work?

Money trees in ACNH follow a specific set of rules. Firstly, a player can only plant up to 10,000 bells at a time. Secondly, the amount of bells that can be harvested from a money tree is limited to three times the amount that was initially planted. For example, if a player plants 1,000 bells, they can harvest up to 3,000 bells from the tree.

When Should Players Plant Money Trees?

The best time to plant money trees in ACNH is at the beginning of the month. This is because the trees take a few days to grow, and players can harvest the bells before the end of the month. Additionally, players should only plant money trees when they have a surplus of bells. Planting all of one's bells in a money tree can be risky, as there is no guarantee that the tree will yield a large return.

How to Maximize Profits from Money Trees

Players can maximize the profits from money trees by planting them in a specific pattern. This pattern involves planting the initial bells in a grid pattern, with one space between each bell. This allows the player to maximize the number of trees that can be planted in a small space. Additionally, players should avoid planting money trees near other trees or objects, as this can hinder the growth of the tree.

Investment Opportunities in ACNH

While money trees in ACNH are a fun and unique way to make bells, they are not a viable investment opportunity in the real world. However, there are severalinvestment opportunitiesin the game, such as the stock market and turnips. Players can buy turnips from Daisy Mae on Sunday mornings and sell them for a profit throughout the week. Additionally, players can invest in the stock market by purchasing stocks from the NPC Tom Nook. These stocks can be sold for a profit at a later date.


Money trees in ACNH are a fun and unique feature that allows players to grow their own money. However, players should be aware of the rules and best practices tomaximize profits. Additionally, there are other investment opportunities in the game, such as turnips and the stock market, that players can take advantage of. By understanding the game mechanics and investing wisely, players can build a fortune in ACNH.

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