Can You Bury 99,999 Bells in Animal Crossing? A Deep Dive into Money Trees

Yes, you can bury 99,999 Bells in the glowing spot on your Animal Crossing island! This is a frequently debated topic among players, with various strategies and experiences reported. While it’s tempting to plant the largest amount of Bells possible for maximum return, the game mechanics actually make this a bit of a gamble. The real question isn’t if you can bury 99,999 Bells, but rather, should you? Let’s delve into the details and explore the ins and outs of money trees in Animal Crossing.

Understanding the Money Tree Mechanics

The core concept revolves around the glowing spot, a daily spawn on your island. When you dig this up, you’ll find a bag of Bells, typically 1,000. However, the real magic begins when you bury Bells back into this spot. What grows is a money tree, which after a few days will mature and bear fruit in the form of three bags of Bells.

The game’s algorithm determines the outcome of your money tree based on the initial amount you bury. The most crucial aspect is that the game calculates the return at the moment the bells are buried, and not at any later point when the tree bears fruit. This eliminates any chance of manipulating the process based on in-game time.

The 10,000 Bell Threshold

There’s a critical threshold to understand: burying 10,000 Bells is generally considered the most effective strategy for a guaranteed profit. When you bury 10,000 Bells, you are certain to get a money tree that will yield three bags of 10,000 bells each, making for a total of 30,000 bells. That’s a guaranteed profit of 20,000 bells.

The Risk of Burying More

Burying amounts greater than 10,000 Bells introduces an element of risk. While it is indeed possible to receive three bags of whatever amount you bury, the chances are not guaranteed. When you bury between 10,000 and 99,000 bells, you will have a 70% chance of getting three bags of 10,000 bells each, and a 30% chance of getting three bags of the same amount that you buried. So, burying 99,000 Bells means you only have a 30% chance of getting three bags of 99,000 Bells each, for a total of 297,000 bells. The remaining 70% of the time, you will receive 30,000 bells in return, resulting in a large loss of 69,000 bells.

This gamble is why many players stick with the guaranteed return by burying 10,000 bells each day. The potential for a large payoff of 297,000 bells is alluring, but you may lose a great deal of bells in the end.

The Maximum Profit Myth

It’s important to note that despite the possibility of receiving a significant return, the game caps the amount of Bells you can receive from a single money tree at 299,997 Bells. This is because you will receive three bags with a maximum of 99,999 Bells per bag. Some players mistakenly believe that if they bury 100,000, they would receive three bags of 100,000. However, you can only have bags that hold 99,999 bells, and the maximum you can bury in one spot is 99,000.

Should You Plant 99,000 Bells?

The question of whether to bury 99,000 Bells comes down to your risk tolerance. The potential reward is significant, but the higher probability is that you’ll receive a lower payout of only 30,000 Bells. If you are okay with risking 69,000 bells, then go for it!

The consensus among many veteran players is that it’s generally more reliable to bury 10,000 Bells daily. This guarantees a profit of 20,000 bells per day, accumulating steadily over time. If you’re a high roller and prefer to gamble for the chance of getting a large sum of bells all at once, then by all means, bury 99,000 Bells. There is no strategy that can change the outcome of the tree once the bells have been buried.

Frequently Asked Questions About Money Trees

Here are 15 FAQs to further clarify the mechanics and answer any remaining questions about money trees:

1. What is the maximum amount of Bells you can bury?

The maximum amount of Bells you can bury in the glowing spot is 99,000. You are not able to bury any more than this.

2. Can I bury 100,000 Bells?

No, you cannot bury 100,000 Bells. The maximum amount is capped at 99,000.

3. Does the outcome change if I time travel?

No, the outcome is determined the moment you bury the Bells. Time-traveling will not alter whether you receive the capped 30,000 Bell return, or the larger amount of your original 99,000 investment, for example.

4. Can you plant more than one money tree per day?

No, you can only plant one money tree per day. The glowing spot will only spawn once a day, so you are limited to this.

5. How long does it take for a money tree to grow?

Money trees typically take three days to mature and yield their bags of Bells.

6. What happens if I dig up a money tree before it is fully grown?

If you dig up the tree before it is fully grown, you will get nothing and it will be destroyed. Do not dig up the sapling or you will lose it.

7. Is there a pattern to when I’ll get the original investment back?

No, there is no pattern whatsoever. The outcome is determined by the game’s algorithm when the Bells are buried. This is a random chance, and is not influenced by any outside variables.

8. Why is it a waste to bury more than 10,000 Bells?

It is considered wasteful because there is a 70% chance of receiving the capped 30,000 bells regardless of how much more you bury. It is risky, because you may bury 99,000 bells, but only get 30,000 back.

9. What is the maximum profit you can make from a money tree?

The maximum profit from a single money tree is 299,997 Bells (three bags of 99,999 Bells). This can only happen if you risk burying 99,000 bells.

10. Can I move a money tree?

Yes, you can move a money tree even before it is fully grown. Use your shovel to dig it up and move it to a new location.

11. What is the glowing spot?

The glowing spot is a daily occurrence where you can dig up a bag of 1,000 bells, or bury your own bells. It spawns once a day in a random location on your island.

12. Why can’t I bury Bells in the glowing spot?

Make sure you have a shovel in your inventory, are facing the hole and that you have bells out of your wallet and in your inventory to choose to bury. If all of these are correct, then you should be able to plant them with no problem.

13. Why did I randomly get 99,000 bells in my inventory?

This occurs when you earn more than 99,999 Bells, which is the maximum you can hold in your wallet. The extra Bells will be put into a sack of 99,000 in your inventory, and the remainder will be in your wallet.

14. What are the chances of getting a high yield from a 99,000 Bell burial?

You have a 30% chance of getting three bags of 99,000 Bells each (297,000 total) when you bury 99,000. The remaining 70% of the time you will get three bags of 10,000 bells each, for a total of 30,000.

15. If I always plant 10,000 bells, how much can I make in a year?

If you plant 10,000 bells daily, you will make 20,000 profit each time. Over the course of a year (365 days) you can make 7,300,000 bells from money trees by planting 10,000 every time.

Conclusion

While burying 99,000 Bells in Animal Crossing is possible, it’s a high-stakes gamble. If you prefer a guaranteed profit, burying 10,000 Bells daily is the most reliable strategy. The decision ultimately depends on your risk tolerance and gameplay style. Whether you’re a cautious saver or a daring gambler, the key is to understand the mechanics of the money tree system and enjoy the process of growing your fortune in Animal Crossing.