You can bury bells in glowing spots in Animal Crossing: New Horizons (ACNH) to grow Money Trees and triple your profits! Find out how to find glowing spots to grow money trees and maximize your profits with the most effective way to grow Bell trees!

How to Plant a Money Tree

How to Make a Money Tree
1	Find the shining spot.
2	Dig up the buried money.
3	Bury Bells to plant a sapling.
4	Wait for 4 days for the tree to grow.
5	Shake the tree to get the Bells.
6	(Optional) Cut down the Harvested Money Tree

1. Find the Shining Spot

You first need to find the Shining Spot on your island. One spot appears on your island every day.

2. Dig up the Buried Money

Dig up the 1,000 Bells for some easy pocket money.

3. Bury Bells for a Sapling to Appear

After digging up the 1,000 Bells, bury your own bag of bells. A sapling will appear after burying your money.

4. Wait 4 Days for Bells to Grow on the Tree

Like all fruit trees, your newly planted sapling will take 4 days to grow into a tree.

5. Shake the Tree to Get the Bells

The Money Tree will produce bells on the 4th day. Shake the tree to harvest the Bell Bags

6. (Optional) Cut Down the Harvested Money Tree

A Money Tree will turn into a normal Oak Tree after harvesting it and will no longer produce Bells.

You can safely cut down the harvested Money Tree to get some wood.

How to Find a Glowing Spot

Once a day, a shining spot on the ground will appear somewhere on your island. This spot is the only place you can plant and grow Bell Trees, so look for it every day!

If you're having a difficult time looking for the Glowing Spot, try looking for it at night.

Dig With Your Shovel to Get 1,000 Bells

Once you've found the spot, you can dig it up with a shovel to get 1,000 Bells.

The dug up hole will start glowing, and you can choose to bury some bells to grow a Money Tree.

What is a Money Tree?

A Money tree, or a Bell tree, is a tree that grows Bells instead of fruit and you can only plant them on glowing spots.

A fully grown Money Tree produces bells only once, and becomes a normal Oak Tree (Hardwood Tree) afterwards.

Take note that there are faster ways to gain money since it takes 4 days for you to only get small returns.

How to Get Bells Fast

Best Amount of Bells to Bury for a Money Tree

10,000 Bells is the Safest Choice

10,000 Bells or Less	・You're guaranteed 3x the amount you bury. Example: Planting 10,000 Bells will give you 30,000 Bells (10,000 Bells x 3)
10,001 Bells or Above	・You have a small chance of getting 3x the amount you bury. ・Otherwise, you will only get 3x 10,000 Bells. Example: Planting 20,000 Bells will give you 60,000 Bells (20,000 Bells x 3)

The Money Tree will grow 3 times the amount of Bells that you bury. Keep in mind that there's also a chance that you'll only get 3 times 10,000 bells back.

With these results, it appears that there's a pre-determined chance for success when planting bells!

30,000 Bells Provides a Steady Profit

Buried Amount	Result	Profit and Loss
10,000	Success: 10,000×3＝30000 Fail: 10,000×3＝30,000	+20,000 +20,000
20,000	Success: 20,000×3＝60,000 Fail: 10,000×3＝30,000	+40,000 +10,000
30,000	Success: 30,000×3＝90,000 Fail: 10,000×3＝30,000	+60,000 ±0
40,000	Success: 40,000×3＝120,000 Fail: 10,000×3＝30,000	+80,000 -10,000

The best amount to bury for steady profit is 30,000 Bells. You have a chance to earn 60,000 Bells profit, or essentially a refund of the bells you buried if it fails

Alternatively, you can bury 20,000 Bells for a guaranteed increase.

The Max You Can Bury is 99,000 Bells

The highest amount you can have in a single Bell bag is 99,000 Bells, so it is also the maximum amount of bells you can bury in Shining Spots.

If it succeeds, you'll get 3 times 99,000 Bells for a total of 297,000. If it fails though, you'll only get 30,000 Bells with a total loss of 69,000 Bells, yikes!

Burying the maximum amount of bells is both risky and rewarding. We don't recommend it as your primary source of making bells, but it's fine to do if you have extra bells!

Using the Golden Shovel has No Clear Effect

Golden Shovel	2 times out of 10
Normal Shovel	6 times out of 10

Note: The data above is from our walkthrough team's investigations.

For testing purposes, we buried 30,000 Bells 10 times with both a Normal and a Golden Shovel, and we got the result above.

This isn't enough data to make any final conclusions, but it's likely that the Golden Shovel has the same effect as the Normal Shovel.

How to Get the Golden Shovel

Can You Move Money Trees?

You Can Move Money Trees and Not Lose Bells

Once you plant a Money Tree, you can safely dig it up with your shovel and move it to a different spot.

This will not turn it into a Hardwood Tree, so you will not lose any bells.

How to Chop Wood and Pull Up Trees

Related Guides

All Tips & Tricks

Money, Miles, and Shopping

How to Make Money
How to Make Bells (Money) Fast	How to Make Money Bags (Bell Bags)
How to Hit the Money Rock 8 Times	How to Grow Money Trees
How to Get Bank Interest	How to Get and Use Bell Vouchers
Should You Use the Drop-Off Box?
How to Get Nook Miles
Nook Mileage Program Activities & Rewards	How to Get Nook Miles Fast
Nook Miles+ Challenges and Rewards	Spending Nook Miles
Shopping Guides
Nook Stop Explained	List of Nook Shopping Seasonal Items
How to Get Royal Clothes