Box art - Animal Crossing: New Horizons

What is the Animal Crossing: New Horizons money tree limit?

As you wander around your idyllic island getaway in Animal Crossing: New Horizons, you might’ve noticed glowing gold dig spots in the ground. Excavating any of these with a shovel will open up a golden hole in which you can bury Bells, then, over time, that sack of Bells will grow into a money tree with three sacks on it. Is there an Animal Crossing: New Horizons money tree limit to tank your potential earnings, though? Here’s how much it’s safe to invest when growing Animal Crossing Nintendo Switch money trees.

Is there an Animal Crossing: New Horizons money tree limit?

Animal Crossing New Horizons money tree limit

Yes, there is a money tree limit in Animal Crossing: New Horizons on Switch. Since money trees can be grown quite frequently — provided that you make a habit of regularly checking for glowing dig spots — the developers at Nintendo have elected to make it so that planting anything above 30,000 Bells doesn’t guarantee a profit.

ALSO: How do I do an Animal Crossing catalog trade with friends?

If you aren’t risk-averse or just have the extra Bells to spare, however, it’s possible to risk making a loss for a chance at larger potential returns.

What is the Animal Crossing: New Horizons money tree limit?

  • The Animal Crossing: New Horizons money tree limit for a guaranteed return is 30,000 Bells.
    • You can safely plant up to 30,000 Bells to guarantee a 3x return (90,000).
  •  Anything above 30,000 Bells does not guarantee a 3x return on investment.
    • Example: If you plant 99,000 Bells, the money tree could payout 297,000 Bells (3x 99,000), or 30,000 Bells (3x 10,000).
  • The exact chances of whether you’ll make a loss or a profit by burying over 30,000 Bells are currently unknown.

With the RNG being a mystery at the time of writing, we’d recommend not planting anything above 30,000 Bells if you don’t want to risk losing money.