The invention discloses a method for culturing nucleated pearls, which comprises the following steps of: taking a non-nucleated pearl as a nucleus or grinding shells to form the nucleus; cushioning a cell sheet under the nucleus, and implanting at the position of the viscera or foot of a freshwater mussel or nacre; returning the freshwater mussel or nacre to water for culture; and opening the freshwater mussel or nacre to harvest the pearls formed around the nucleus. Because the foot of the freshwater mussel or nacre is positioned above the visceral sac thereof, has a larger space and secretes more nacrum than the visceral sac or a mantle tissue, the implanted nucleus is difficult to be spit out, the self diameter of the nucleus is increased, and the freshwater mussel or nacre secretes more nacrum after the nucleus is coated. The pearls have the advantages of large particles, good transparency and gloss, short growth period and high economic value.