The amount of bells which can grow on the 🔔 tree will be 1/3 of the money you've buried.
Having said that, the maximum amount of bells that can grow on the money tree is 30,000 bells so pretty much 10,000 bells x 3 
This means that there’s no point burying more than 10,000 bells so try bury 10,000 bells each time in the glowing spot to maximize the profit. Always dig up the glowing spot, pocket the bells and bury 10,000 in the glowing spot. Once you’ve “grown” 10,000 bells, use those bells to get on the stalk market and buy turnips from Daisy Mae and sell at a higher rate for more profit. Kerching!
Remember: Do not time travel back in time if you’ve bought turnips as they’ll rot.