How to Make a Money Cake: A Guide to a Creative and Fun Gift Idea

When it comes to celebrating special occasions, cake is always a staple. But what if you could make your cake even more special by adding some cash inside? A money cake is a unique and thoughtful gift that will surely impress your loved ones. And the good news is, making a money cake is easier than it seems! In this article, we’ll guide you through 12 simple steps on how to make a money cake. So let’s get started!

Steps how to make a money cake

Step 1: Gather Materials

For this project, you’ll need a few basic materials: a cake pan, cake mix, frosting, various denominations of bills, and plastic wrap. Make sure to have these items on hand before you begin.

Step 2: Bake the Cake

Follow the instructions on your cake mix to bake a cake in your desired flavor. Once the cake is cooled, remove it from the pan and place it on a flat surface.

Step 3: Cut a Hole in the Cake

Using a knife or a spoon, cut a hole in the center of the cake. Make sure the hole is wide enough to fit your bills inside.

Step 4: Wrap the Bills in Plastic

To protect the bills from getting dirty or damaged, wrap them in plastic wrap.

Step 5: Insert the Bills into the Cake

Start filling the cavity you created in the cake with the wrapped bills. Make sure to distribute the bills evenly throughout the cake.

Step 6: Cover the Bills with Cake

Once you’ve inserted all the bills, cover the hole with the remaining cake. Press down gently to ensure the cake is firm and compact.

Step 7: Frost the Cake

Using your preferred frosting, cover the cake to create a smooth and even finish. Make sure to cover the hole completely so that it’s not visible.

Step 8: Add Decorations

To make your money cake even more special, you can add decorations such as icing flowers or sprinkles. Use your creativity and imagination to make the cake as festive and fun as possible.

Step 9: Add a Topper

To make it clear that this is a money cake, you can add a cake topper that says “Money Cake” or something similar. You can purchase a pre-made topper or make your own using cardstock and a skewer.

Step 10: Present Tastefully

When presenting the money cake, make it look as attractive and presentable as possible. You can wrap it in cellophane or ribbon, or place it in a decorative box. The more effort you put into the presentation, the more impressed your recipient will be.

Step 11: Enjoy the Moment

Watching your loved one’s reaction as they discover the hidden bills inside the cake will be a priceless moment. Enjoy the joy and surprise on their face and know that you’ve created a truly unique gift.

Step 12: Be Generous

Finally, remember to be generous when making a money cake. While it’s fine to use small denominations of bills, the more you include, the more impressive the gift will be. So don’t be afraid to splurge a little – your recipient will truly appreciate it.

Explanation how to make a money cake

The concept of a money cake is simple – it’s a traditional cake with some cash hidden inside. While it may seem like a complicated project, making a money cake is actually quite easy. By following the 12 simple steps outlined above, you can create a unique and memorable gift for your loved ones.

One of the main advantages of a money cake is that it’s a versatile gift. It can be given on various occasions such as birthdays, weddings, graduations, or any other special event. And because you can customize the cake’s flavor, design, and decorations, it can be a very personal and thoughtful gift.

Another benefit of a money cake is that it’s a fun and interactive gift. Watching someone discover the cash hidden inside the cake can be a joyful experience for both the recipient and the giver. It’s a gift that is sure to leave a lasting impression and create cherished memories.

When it comes to making a money cake, there are a few tips and tricks that can make the process even smoother. Let’s take a look at some of them.

Tips and Tricks how to make a money cake

1. Use Different Denominations

While it’s fine to use all one denomination of bills, it can be more fun and surprising to use different denominations. This adds an element of unpredictability and makes the gift even more exciting.

2. Be Mindful of the Bills’ Condition

Make sure to use crisp and clean bills when making a money cake. Old, dirty, or torn bills can ruin the presentation and be less appealing to the recipient.

3. Plan Ahead

Before making the money cake, plan out the design and decorations you want to use. This will help you stay organized and ensure that everything goes smoothly.

4. Be Generous

As mentioned earlier, the more bills you include, the more impressive the gift will be. Don’t be afraid to use larger denominations or more bills than you initially intended.

5. Make Sure the Bills Are Secure

To ensure that the bills don’t fall out of the cake, make sure to wrap them securely in plastic. You can also use toothpicks or other utensils to hold them in place if needed.

6. Practice Patience

Creating a money cake can take some time and effort, so make sure to give yourself enough time to complete the project. Rushing can lead to mistakes and a less polished finished product.

7. Get Creative with Decorations

To make the money cake even more special, you can get creative with decorations. Use colored frosting, candy, or other edible embellishments to create a unique and eye-catching design.

8. Consider the Occasion

When making a money cake, consider the occasion or event it’s for. For example, a graduation money cake could be decorated in the colors of the graduate’s school, while a wedding money cake could include a decorative bride and groom topper.

9. Practice Good Presentation

The presentation of the money cake is just as important as the cake itself. Make sure to wrap it attractively and present it in a way that looks thoughtful and personal.

10. Enjoy the Process

Finally, remember to enjoy the process of making a money cake. Get creative, have fun, and think about how much joy the recipient will experience when they discover the hidden bills.

Advantages and Disadvantages of Making a Money Cake


1. Unique gift: A money cake can be a unique gift that stands out from other conventional gifts.

2. Easy to customize: You can easily customize the design to fit the occasion and the preference of the recipient.

3. Can be a teaching tool: Making a money cake can be a fun way to teach children about managing finances and saving money.

4. Easy to transport: Unlike traditional gifts, a money cake is easy to transport and can be delivered or carried to the recipient’s location without worrying about damage.

5. Can be a fun activity: Making a money cake can be a fun activity for a group of people to do together, such as a family or a group of friends.

6. Versatile: A money cake can be used for various occasions such as birthdays, weddings, graduations, and so on.

7. Can be a surprise gift: A money cake can be a surprise gift that the recipient doesn’t expect.

8. Can be reused: The materials used to make a money cake can be reused for other creative projects, reducing waste.

9. Can be a conversation starter: A money cake can be a conversation starter, arousing curiosity and interest.

10. Can be cost-effective: Making a money cake can be a cost-effective alternative to buying an expensive gift.


1. Time-consuming: Making a money cake can be time-consuming, especially for those who are not familiar with the process.

2. Can be messy: There is a possibility that the money or the cake may get damaged during the process, resulting in a messy outcome.

3. Requires creativity: Making a money cake requires creativity and imagination to make it unique and stand out.

4. Requires materials: You need to have the necessary materials such as money, glue, and frosting to make a money cake, which can be inconvenient to acquire.

5. Can be difficult to transport: If the money cake is not constructed properly, it can be difficult to transport without causing damage.

6. May be perceived as tacky: Some people may perceive a money cake as a tacky or inappropriate gift.

7. May not be suitable for all occasions: A money cake may not be suitable for all occasions and may not be appreciated by some recipients.

8. Can be expensive: Depending on the amount of money used, making a money cake can be expensive.

9. Risk of theft: A money cake can be a target of theft, especially if it is made with a large amount of money.

10. Can be time-sensitive: A money cake may need to be made close to the occasion, making it time-sensitive and adding pressure to the maker.

Frequently Asked Questions (FAQ)

1. What is a money cake?

A money cake is a cake that is decorated with real money, typically folded in a creative way.

2. Why make a money cake?

A money cake is a unique and creative gift idea, especially for special occasions like weddings, graduations, or birthdays.

3. What materials do I need to make a money cake?

You will need a cake, real money, ribbon, tape, and scissors. You can also add additional decorations like flowers or candy.

4. How do I fold the money for the cake?

You can fold the money in different ways, such as origami shapes or simple folds. YouTube has many tutorials on how to fold money creatively.

5. Can I use fake money instead?

While you can use fake money, it may not have the same effect as using real money, and may come across as cheap or tacky.

6. How much money should I use?

This depends on your budget and the occasion. It’s common to use at least $20, but you can use more or less depending on your preference.

7. Can I use coins instead of bills?

While you can use coins, bills are usually easier to fold and provide a better visual effect.

8. How do I attach the money to the cake?

You can attach the money using tape or ribbon, depending on the design you want.

9. Can I use a store-bought cake or do I have to bake my own?

You can use a store-bought cake, but it’s up to you if you want to bake your own. Just make sure the cake is sturdy enough to hold the weight of the money.

10. How do I transport the money cake?

You should transport the money cake carefully, with the money secured in place. Place the cake on a flat surface, like a cake box, and avoid moving the cake too much.

11. Can I make a money cake with different currencies?

Yes, you can use different currencies, but make sure the currencies are all accepted in the country you are giving the cake to.

12. Do I have to give the money with the cake?

It’s up to you if you want to give the money with the cake or separately. Just make sure the recipient knows there is real money on the cake.

13. Is it okay to eat the money cake?

No, it’s not recommended to try to eat the money or the tape used to attach the money to the cake. Remove the money before eating the cake.

Are you looking for a unique and fun way to give someone money as a gift? Look no further than the money cake! A money cake not only looks impressive, but it also adds an exciting element to gifting money. Here’s how to make a money cake that will wow your recipient.

First, you’ll need to gather your materials. You will need cash (of course!), a styrofoam base, toothpicks, ribbon, scissors, and any decorations you want to add to the cake, such as flowers or balloons. You can also customize the size of the cake depending on how much money you want to give.

Next, begin folding your bills into small squares, accordion-style. Use the toothpicks to hold the bills in place and begin attaching them to the styrofoam base with the toothpicks. Make sure to alternate how you attach the money, so the cake will be even all the way around.

After you’ve attached all of the money and have created the desired shape and size, decorate the cake using your ribbon and add any additional decorations you have chosen. You can also add a cake topper with a message such as “Happy Birthday” or “Congratulations.”

Conclusion how to make a money cake

A money cake is a fantastic way to give a gift of cash to someone special. The process is a bit time-consuming, but the results are well worth it. Not only will the recipient appreciate the creativity, but they will also be thrilled to receive the money hidden within the cake. So the next time you have a special occasion to celebrate, try making a money cake!

Closing how to make a money cake

We hope this guide on how to make a money cake has been helpful. Remember to have fun with the process and get creative with your decorations! And most importantly, enjoy the look on your recipient’s face when they see their gift in the form of a beautiful, delicious-looking cake. Happy gifting!