When you receive a monetary gift, you can write a thank-you note to the person to show your gratitude and appreciation.
Knowing what to say in a thank you note or letter for a money gift can be a challenge.
The wording in your thank-you note could be different depending on where the money came from and what you plan to do with it. We will cover different scenarios, and when the money was from your boss or borrowed, or a very large sum of cash.
The scenarios and tips will help learn how to write a thank you note for money.
Money Gift Thank You Note Scenarios
To help you determine what to say, let’s consider three scenarios for when money is received as a gift:
- You spend it
- You save it
- You don’t want to say what you did with it
When spending the money
Mention what you spent the money on. Even if it is something boring, like a tank of gas. The goal is to let the giver know how their money impacted your life.
Thank you for attending our wedding and for the generous gift. We used it to help buy a new couch. We will enjoy it for many years to come.
Heidi + Ted
When you save the money
Indicate what you are saving the money for. This will let the giver know how their gift is helping you reach a long-term goal.
Dear Mr. and Mrs. Jones,
Thank you for the graduation gift. I plan to save money for future college-related expenses. I also enjoyed visiting with you at my graduation party.
Thank you for the money! It’s already been useful and we appreciate your generosity. Thank you for celebrating our wedding with us!
When don’t want to say what you did with the money
Sometimes a situation may come up where sharing what you did or plan to do with the money might feel awkward.
An example is receiving money as a wedding gift, but you plan to use the money to cover loans taken to pay for the wedding. Thank them for the gift, but leave out what you did with it.
Dear Mr. and Mrs. Jones,
Thank you for coming to our wedding and for the gift! We were glad that you could make it and look forward to seeing you soon.
Heidi + Ted
What to say or not say in your thank you messages for money
- Do include what you will be doing or did with the money, unless the money is a raise or bonus at your job or if you have another reason that you don’t want to share.
- If the cash was a gift from your boss, you may also not want to say what you did with it. This would depend on your relationship with your boss.
- Do not mention the amount that was given. The person will know how much they gave to you.
- Instead of saying “money”, it is okay to say “gift.”
- If you do not know how you will spend the money or what you are saving for, it is okay to say that too. Say “I will be adding this money to my savings until I need it.”
- Be honest. Don’t say “I am saving the money for college” if that isn’t true.
- Compliments are good. Use words like thoughtful, generous, and kind.
Money thank you note message writing tips:
- Include at least two sentences. Only saying “Thanks for the money!” will leave the giver wondering what you did with the money.
- Let the giver know how their money helped you.
- Remember, the thank you note does not need to be complicated or long. Two or three sentences will be fine.
- If the money was for occasions such as birthday, anniversary, graduation, or wedding, put the event before the word gift or money in the note, for example, birthday money, anniversary money, graduation gift, or wedding money. And check out the wedding gift, graduation, and baby shower thank you guides for specific examples.
- A tool like Grammarly, can help you check your grammar. I struggle with comma placement!
- Handwritten thank-you notes are a blessing to people that treasure handwritten cards. Boxed thank you cards are usually the least expensive per card (Amazon has lots to pick from) or you could get a unique design on a site like Redbubble.
- A longer note can be considered a letter.
Note: This post contains affiliate links. If you click through a make a purchase, I will be compensated for referring you. Thanks!
Thank you note for money examples
Note: These message examples are for the center section of your thank you note. To see the complete layout of a thank you note, review the how to write a thank-you note guide.
#1 I appreciate the check you mailed. The timing was perfect as I was not going to be able to pay the full gas bill. Your money will keep my heat on. God bless!
#2 Thank you for the birthday money. I had fun spending it on Amazon. I ordered a new cookbook and a few other books that have been on my want list, including [book name]. I am looking forward to the hours of enjoyable reading.
#3 I was very surprised to receive your card and gift in the mail today. I used it to splurge on dinner at my favorite sushi restaurant. I felt happy to be able to sit at the sushi bar and be able to order anything I wanted. Thank you very much!
#4 Thank you for the gift card to [store name]. I love shopping there. I picked out some new wool socks to keep me warm this winter.
#5 Thank you for the graduation gift. I plan to save money for future college-related expenses. I also enjoyed visiting with you at my graduation party.
#6 The money you sent for my graduation is appreciated. I will be using it right away towards a used car so that my parents don’t need to drive me to work anymore. Also, thank you for coming to the party!
#7 Thank you for the money! I am saving up for [item name] and your gift got me closer to the goal. I appreciate your generosity.
#8 I have received the check that you mailed. Thank you for your gift towards my mission trip. I will share all the details with you upon my return from [mission trip location]. Your support has helped make it possible for me to be able to go.
#9 Thank you for sending us the wedding anniversary money. We used it for a wonderful dinner at [Restaurant Name] and to cover the cost of the baby sister. A night out was just want we needed.
#10 We appreciate the money you sent us. That was a very nice surprise when we opened your card. We are adding it to our envelope for replacement windows.
#11 I want you to know how much gratitude I feel towards you. When I think of you I smile. You’ve been so generous with your monetary gifts to me. I will add it towards my savings goal or for a special dinner treat with my husband. I haven’t decided just yet and will let you know when I see you next.
#12 I was very surprised to receive your gift in the mail and appreciate your thoughtfulness. The card was cute too. I am will pay this forward someday!
#13 I enjoyed seeing you at my [birthday party/wedding/baby shower]. You are a wonderful friend. Thank you for your gift!
#14 What a blessing to have you in my life. Thank you for the check! I am not sure how it will be spent yet, but I appreciate it.
#15 Thank you for the [wedding/birthday/surprise] gift. You are a treasure and I am grateful for you [or both of you when thanking a couple].
#16 Thank you so much for the money gift. I appreciate you thinking of me on my birthday. I will have fun spending it on new cat shirts!
Examples to thank your boss for a cash gift
The examples below are for when your boss gave you cash, and you don’t want to share what you did with the money (You should probably share if the money was for a baby gift or wedding). To thank your boss for a raise or bonus read the post here.
The examples below be a bit more generic than I usually recommend. However, they are fine when you don’t want to tell your boss what you did with the money.
#1 Thank you for the cash. I appreciate it and will do something fun with it!
#2 I am excited about the cash you gave me for my recent work anniversary. Thank you!
#3 You’re a wonderful boss! Thank you for the cash for my birthday. That was a pleasant, unexpected surprise.
#4 Thank you for the money recognizing my contribution to the team. I will be spending it or saving it soon! I don’t think I should tell you what I do with my money.
#5 What a great week we had with an increase in sales last week! I am grateful for the cash bonus I received. Thank you for making sure our team got a cut of the profit.
How to thank someone for a large sum of money
This section of tips and examples is for large money gifts. The section that follows will have sample notes for when the money was a loan.
Expressing your gratitude may feel more challenging when you’ve received a large gift of money. What kind of thank you is enough for a big amount? Will your words ever be enough? I don’t recommend saying “I can’t thank you enough!”
A large sum of money will mean different amounts to different people. It could be $100 or $50,000 or more. And remember that sometimes smaller amounts given to you regularly, such as for help paying bills, can add up to a significant total over time.
I recommend writing a handwritten thank-you note. Why handwritten? Because they take more time and feel more personal.
You could also pick out a card design that the giver will like. While a thank-you note should be enough to express your gratitude, some people may want to do more. A nice image on the card may put a smile on their face.
What you decide to do in addition to a thank-you note, if anything, is up to you. You will have to decide for yourself. Below is a list of potential ideas.
Thank you gift ideas for a large sum of money
- Take the giver out for a thank-you dinner
- Send thank-you flowers
- Send pictures of what the money was used for, especially if it was given to you for a specific purpose.
- For a house down payment, your picture could be you and your family standing in front of the house, perhaps next to the sold sign.
- For a car a picture in the driver’s seat! If this car was so that you could have transportation to get to a job, you could take a picture of the car in your job location.
- For home improvements invite them over to see the “after” once the project is complete.
- If the money was just because or a surprise, not to help meet a specific need, you might not want to share what you did with the money. You can still share your excitement and share if you desire to do so.
Example wording for thank-you notes for a large sum of money
Tip 2: Include as much in your note as in your heart. This could make for a longer letter than a typical three or four-word thank-you note.
Remember: This set of examples are for when the money was a gift and no repayment is expected.
Thank you for the money for the mortgage down payment note examples
#1 Thank you for the contribution to my mortgage down payment. Your generosity has changed my life. Because of your help, I was able to get a mortgage for 15 years instead of the typical 30. I appreciate your kindness. Thank you for sharing your money with me.
#2 We closed on the house last Friday! We thank you for your very generous gift to help with the down payment. We were able to become homeowners many years sooner than planned and are excited to start this new chapter of our lives. Thank you again for your benevolence. We would like to have you over for dinner as soon as we get settled in.
#3 Thank you for giving us more money for the down payment on our house. We would not have been able to close without the extra amount from you. We appreciate how generous you have been with helping out our family.
Other large amounts of money thank you note examples
#1 I am grateful for the large amount of money you gave me! As you know, it will be used towards remodeling my bathroom. I will have you over for a visit once it’s complete. You are the best parents ever! Having an updated bathroom will help me feel more confident to have visitors. And since I use the bathroom every day, I will enjoy the improvements every day!
#2 I am very grateful for your help with getting a used car. Since I don’t have a credit score, I wasn’t able to qualify for a loan. And much to my dismay, my old car gave out before I had enough saved for a replacement vehicle. Your altruism is beyond anything I have ever experienced. I will be able to drive to work safely in the used [make or model of the car].
#3 Thank you for helping me with bills during the past year. I’ve struggled to get on top of things and seem to have a problem with self-sabotage. You’ll be happy to know that I have a new money accountability partner. I am making every effort to change my money habits. You’ve been very gracious to me and your resources. It’s time for me to learn to be independent. Thank you for all of your kindness and patience. I am grateful that, due to your help, I was able to stay in my apartment during my season of money troubles.
#4 Wow, I was surprised that you decided to share your inheritance from Aunt Sue’s estate with me. I loved her as if she was my Aunt but did not expect anything when she passed. You are a very kind and charitable person. I don’t know what I will do with the money just yet, but I am very grateful to have received it. My heart is full.
Thank you notes for when someone gave you a loan
Tip 1: I am assuming you needed the loan for a specific reason. You can mention the reason in your note. For example, thank you for loaning me money for [enter reason].
Tip 2: You can thank them when you get the loan, and also again when the loan is paid in full. If the loan is very short term (less than 2 weeks), then one note is fine.
I borrowed money from a coworker once and paid her back the next day along with a thank-you!
The lending/borrowing note examples:
#1 Thank you for lending my cash yesterday for lunch. I was shocked when I got to work and realized I had left my wallet at home. I am grateful that you helped me out so that I didn’t have to skip lunch. Thanks Again!
#2 I am very grateful to you for helping me out with a loan to cover the cost of my car repairs. As we discussed, I will give you [agreed upon amount] every two weeks until it’s paid off. And then, once it’s paid off I will put the same amount in an envelope every two weeks to build up savings for the next time my car has an issue. Thank you for trusting me.>
#3 Thank you for the loan to help me purchase a used car. Since I don’t have a credit score, I couldn’t qualify for a loan for even a small amount. I promise to stick to the payment plan that we came up with. And it’s very nice of you to not charge me interest!
#4 I appreciate your kindness and letting me borrow money during this difficult time of my life. Not being able to pay all of my bills on time is very stressful. I am looking forward to my new job that starts next week which will help me be in a better financial position.
#5 Thank you for letting me borrow money for rent last month! I had so many unexpected expenses happen at the same time. Your kindness helped me save face with the landlord. I was able to sell some items on eBay for more than expected and will repay you the full amount soon.
Thanks for the money summary
I hope the examples and tips in this post have helped you to write your thank-you note card for any money gifts you have received.
The information provide will help you know what to say based on if you are saving the money or spending or keeping it a secret.
Expressing your gratitude for the cash in a thank-you note is a great way to show your appreciation.
- Thank You For the Donation Note Examples
- 35 Thank You Note to Boss for Raise or Bonus Examples with Tips!
- 41 Thank You Note to the Boss for Gift Examples
Share your tips or questions in the comments below!