The money tree (Pachira aquatica) is one of the most popular indoor plants, loved for its braided trunk, glossy green leaves, and symbolic association with luck, prosperity, and positive energy. Beyond its decorative appeal, the money tree is also relatively easy to care for, making it an excellent choice for beginners and experienced plant parents alike.
In this comprehensive guide, you’ll learn everything you need to know about money tree care—from lighting and watering to pruning, troubleshooting, and long-term maintenance—so your plant stays healthy and thriving for years.
Understanding the Money Tree
Native to Central and South America, the money tree naturally grows in swampy regions where moisture is abundant but drainage is excellent. This background explains why the plant enjoys consistent watering without sitting in soggy soil. Indoors, the money tree adapts well to household environments when given stable conditions.
Light Requirements for a Money Tree
Money trees thrive in bright, indirect light. Too much direct sunlight can scorch the leaves, while insufficient light can cause leggy growth and leaf drop.
Best light conditions:
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Near east- or north-facing windows
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Filtered light through sheer curtains
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Bright rooms without harsh afternoon sun
Money trees tolerate lower light, but growth will slow noticeably.
How Often to Water a Money Tree
Watering correctly is the most important aspect of money tree care. Overwatering is the most common cause of plant problems.
Watering guidelines:
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Allow the top 2–3 inches of soil to dry between waterings
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Water thoroughly until excess drains from the pot
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Never allow the plant to sit in standing water
In winter, reduce watering frequency as growth slows.
Best Soil and Potting Tips
Money trees require well-draining soil to prevent root rot.
Ideal soil mix:
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High-quality indoor potting soil
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Perlite or coarse sand for added drainage
Choose a pot with drainage holes and repot every 2–3 years or when roots begin to circle the pot.
Temperature and Humidity Needs
Money trees prefer warm, stable indoor temperatures.
Ideal conditions:
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Temperature: 65–80°F (18–27°C)
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Moderate humidity
Although adaptable, they benefit from:
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Occasional misting
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Pebble trays
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Grouping with other plants
Avoid cold drafts, air conditioners, and heating vents.
Fertilizing a Money Tree
Feed your money tree during the active growing season.
Fertilizer tips:
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Use a balanced liquid houseplant fertilizer
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Apply every 4–6 weeks in spring and summer
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Skip fertilizing in fall and winter
Over-fertilizing can cause leaf burn and salt buildup.
Pruning and Shaping
Pruning helps maintain a healthy shape and encourages fuller growth.
How to prune:
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Remove yellow or damaged leaves
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Trim leggy stems above a leaf node
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Use clean, sharp scissors
Avoid disturbing braided trunks when pruning.
Common Money Tree Problems (and Solutions)
Yellow leaves
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Usually caused by overwatering
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Check soil moisture and drainage
Leaf drop
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Triggered by sudden temperature changes or low light
Brown leaf tips
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Often due to low humidity or underwatering
Pests
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Spider mites and mealybugs are most common
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Treat with neem oil or insecticidal soap
Is the Money Tree Pet Safe?
Money trees are mildly toxic to pets if ingested. Keep out of reach of cats and dogs that like to chew foliage.
Final Thoughts
With proper lighting, mindful watering, and stable conditions, money tree care is simple and rewarding. This resilient houseplant adds beauty, balance, and a calming presence to any indoor space. By following these care tips, your money tree can grow strong, lush, and vibrant for years to come.
Money Tree Care
Money Tree (Pachira aquatica) Care Guide
☀️ Light: Bright, indirect light
💧 Water: When top 2–3 inches of soil are dry
🌡 Temperature: 65–80°F
💦 Humidity: Moderate; enjoys misting
🌱 Soil: Well-draining indoor potting mix
🪴 Repot: Every 2–3 years
Tip: Avoid overwatering and cold drafts.
FAQ Section
How often should I water a money tree?
Water when the top 2–3 inches of soil feel dry. Overwatering is the most common issue.
Can a money tree survive in low light?
Yes, but growth will be slower and foliage may thin. Bright indirect light is best.
Why are my money tree leaves turning yellow?
Yellow leaves usually indicate overwatering or poor drainage.
Do money trees need humidity?
They prefer moderate humidity and benefit from misting or pebble trays, especially in dry homes.
How fast do money trees grow indoors?
With proper care, money trees grow at a moderate pace, especially during spring and summer.
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