Carl's Sims 3 Guide - Skills, Traits, Careers, Rewards, and Lifetime Wishes for Ambitions and World Adventures

Carl's The Sims 3 Gardening Guide: Money Trees

Gardening
How to GardenFind SeedsFertilizer
Plant QualityPlant ListOmni Plant, Steaks, and more
Sims 3 - Money Tree
Money Tree Properties
RarityHarvest ValueGrowth Time:
No Fertilizer
Fertilized with
Perfect Life Fruit
Max Harvestable Produce
Special100-800129Nigh Infinite

Money Trees are some of the rarest to obtain in quantity, because their produce is not plantable. These trees yield bags of Simoleons that can be cashed in for big money. Money trees are unique in that they will gradually rise in quality the longer they are tended to. When it reaches Perfect, it will spit out a seed of normal quality with which you can start the process on a second tree. Reach Gardening level 7, find special seeds, then grow them to get started on your first tree. Their exceptionally long life means that over time generations of families may have huge fields of these lucrative plants.

When a Money Tree dies from neglect (not watering it), it will leave bills behind which must be paid! If it dies of old age, it'll simply turn black. They die eventually, but the life span will likely endure 5+ Sim generations.

Finding Money Tree Seeds
Money Tree Seeds can be found anywhere special seeds are found:

  • Search our site for special seed locations in each town. Many forum members have provided these spawn points on the various Expansion Pack boards.

Share locations of special seeds and tips on the Money Tree.

Share Tips and FAQs (14)

Our Sims Forum is the place to go for faster answers to questions and discussions about the game. Use the form below to share your own experiences and provide helpful tips to other readers.

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Elizabeth says...
My sim found a money tree seed inside a box he caught while fishing.
30th July 2013 8:10pm
Ig prettythin says...
you can use the cheat code buydebug to buy the money you will find it under the plant section
12th April 2014 11:42pm
Lily says...
You can also use the Collection Helper to find money tree seeds.
The Collection Helper is a lifetime happiness reward that allows you to simply go to map view and see where all the collectibles are. It costs 40,000 lifetime happiness points, and after you purchase it you can find it in your personal iventory.

That is how I found my FIRST special seed ever... I had my level 7 Sim plant it, I hope it's a Money tree!
7th October 2013 5:36pm
Bonita says...
Lily, take a look at the Stones Throw Greenhouse set in the Sims Store, if you don't already have it (http://store.thesims3.com//setsProductDetails.html?productId=OFB-SIM3:58192).
With it you get the SwiftGro Gardening Station, which (among other things) allows you to identify seeds.
29th October 2013 9:15am
Layla says...
I go to the places in my town such as waterfalls and public parks. I was simply selling the seeds but now that I know they have money trees I will start planting them.
28th November 2013 9:51pm
Ieva says...
The money three seeds rarity is special. Some special seeds are glowing.the glowing ones sometimes are money threes. You can plant them olny when your gardening skills are level 7. If your tree is mature (full growned) then sometimes money tree seds win spawn under the three. The best place in Sunset Walley, where I can find special glowing seeds ( some of them are money three seeds) are at or in the graveyard. You can find rare rocks or gems there too. Good luck finding the money threes :)
16th August 2015 5:42am
Mufqi says...
hmm where can i find this Money Tree Seed in sims Island Paradise? Help pliiisss heheheee
9th January 2014 1:46am
Rynn says...
You can usually find all special seeds around a cemetary. If there are none, just look around the map! There are a whole bunch of seeds everywhere.
24th June 2014 10:55pm
Sims player says...
You can also buy map in lifetime rewards for 40000 happinest,you can set seeds and you found all seeds in town.
13th August 2013 6:50pm
FeedHissheep3 says...
i just need an answer to a simple question. how do i put my garden plants in my inventory so i can sell them at the grocery? im being told to drag but no hand tool comes up. plus when move a plant to familyinventory it sells for 0$
thank God bless you!
25th July 2014 6:16pm
Ashley says...
You can not put planted plants in your inventory, not in your family inventory. However you can place the produce the plant yields in your inventory, which then you use, sell, or eat.
6th August 2014 12:20am
Ash says...
"Nor* in your family inventory" sorry, auto correct;).
6th August 2014 12:21am
Jennifer Whitney says...
I got mine from my witch sim using the item conversion spell on a poisoned apple, which eventually became a money tree seed.
25th March 2020 5:47pm
Rebecca says...
I have the money tree seed but can't figure out how to plant it please help
Admin:
Same way as ordinary seeds. Gardening Skill Guide
17th February 2020 8:26pm
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