Animal Crossing New Horizons is one of the most popular games available at this moment in time with it having united 11 million players. There are dozens of useful tips you can find for how to become rich quick, but lots of the community are asking whether there is a genuine 99k money tree pattern that can be exploited. Not only that, but some fans are also asking whether it’s possible for money to regrow on these cash givers.

Visiting or making a tarantula island was a way Animal Crossing New Horizons players in the Northern hemisphere previously got lots of bells quickly, but this method has now been replaced with scorpions. However, with this requiring a lot of work or luck, some of the community want to know of easier methods for becoming as rich as Scrooge McDuck sooner rather than later.

And this has resulted in plenty of queries as to whether or not there is an actual 99k money tree pattern that can be exploited.

How to make a money tree in Animal Crossing New Horizons

You can make a money tree in Animal Crossing New Horizons by following the below steps:

  • Withdraw 10,000 bells
  • Roam about your Animal Crossing New Horizons island and find a glowing dot
  • Dig up this glowing dot with a shovel and pick up the 1,000 bells
  • Grab your 10,000 bag from your pocket and bury it in the recently dug up hole
  • Your money tree will then grow following a couple of days and you should find three bags of bells
  • Each bag will contain the 10,000 bells you planted to land you a profit of 20,000  as you pick up 30,000 overall

It is possible to bury more than 10,000 bells, but treating the aforementioned amount as the limit is the smartest and safest method for how to guarantee a profit rather than a loss.

Is there a 99k money tree pattern in Animal Crossing New Horizons?

According to dataminer Ninj there is no pattern for 99k money trees in Animal Crossing New Horizons.

Some players have reported following a pattern to successfully plant a 99k money tree with a return of 297,000, but the success appears to instead be from luck.

Per dataminer Ninj, there is a 70% chance of receiving three 10,000 bells bags when any amount from 10,000 to 99k is buried.

This means you have only 30% odds at getting more than 10k in any of the bell bags that grow on the money tree.

So, while it is possible to plant 99k and get 297,000 bells back, it’s completely random with the odds not being in your favour.

Therefore you should always plant 10,000 to get a 20,000 profit, or you should simply plant 30k so you get a 90,000 bells profit or – worst case scenario – an equal return.

Do money trees regrow bells?

Money trees do not regrow bells after you have shaken them in Animal Crossing New Horizons.

Once you’ve robbed a money tree of its bags of bells, it will not regrow anymore so you will need to plant another.

This will be frustrating for some, but at least the game defies the laws of reality by making money trees an actual thing in the first place.

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