How to Care for Money Tree Plant

Money Tree Plant

Plants, like people, come in all shapes and sizes, and each one requires a unique blend of care and attention. One such plant, cherished for its unique aesthetic and cultural significance, is the Money Tree Plant, scientifically known as Pachira aquatica.

This alluring plant, originating from Central and South America, has garnered much attention in recent years, particularly in feng shui circles, where it is lauded for its supposed wealth-bringing properties.

But like any living thing, it needs specific care to truly thrive. And if you’ve ever wondered what it takes to cultivate a healthy Money Tree Plant, you’re in the right place.

From propagation to pruning, we’ll delve into the specifics of ensuring your Money Tree Plant flourishes, making your home greener and hopefully your pockets a little heavier! Also, here is a detailed article on how to propagate Money Tree Plant

Care Basics Of Money Tree Plant

A quick overview of the Money Tree Plant’s care requirements and maintenance is summarized in the table below:

AttributeRequirementDifficulty Level
LightBright, indirect lightModerate
WaterThorough watering, let dry betweenModerate
Temperature60-75°F (15-24°C)Easy
Soil pHSlightly acidic to neutral (6.0-7.5)Moderate
Soil TypeWell-draining, peat-moss basedEasy
FertilizerBalanced houseplant fertilizer, spring-summerModerate
PruningAs needed to maintain shapeEasy
Growth PeriodSpring and SummerEasy
Tools RequiredWatering can, pruning shears, fertilizerN/A

Light Requirements

Understanding the light requirements of your Money Tree Plant is crucial for its successful growth and maintenance.

Money Tree Plant

A. Light Requirements for this Plant

The Money Tree Plant is happiest in bright, indirect light. In its natural habitat, this plant thrives under the canopies of larger trees, which shield it from intense sunlight while still allowing it to access ample light.

B. Types of Light Exposure

When we talk about light exposure for houseplants, we generally consider three types:

  • Direct Sunlight: Sunlight that reaches the plant without any obstruction. For most indoor plants, including the Money Tree Plant, direct sunlight, especially during the peak of the day, can be too intense, leading to leaf scorch.
  • Indirect Light: Light that has been diffused or that bounces off before reaching the plant. This type of light is ideal for many houseplants, including the Money Tree Plant.
  • Low Light: Areas relatively far from a light source or obstructed by larger objects, like furniture or other plants. While the Money Tree Plant can survive in low light conditions, it will not thrive and may show signs of stress, such as leggy growth or reduced leaf size and number.

C. How to Provide Proper Light to this Plant

Ensuring your Money Tree Plant receives proper light involves strategic placement and occasional adjustments. Ideally, place your Money Tree Plant near a north or east-facing window, where it can enjoy bright, indirect light for most of the day. If such window exposure isn’t available, a south or west-facing window can also work, provided you use blinds or a sheer curtain to diffuse the intense afternoon light.

Remember to turn your plant every few weeks to ensure all sides receive equal light exposure, promoting balanced growth. If your home doesn’t have ample natural light, you may also consider supplementing with a grow light.

Planting Techniques

Planting your Money Tree Plant involves selecting the right container, the proper soil mix, and the ideal location.

Money Tree Plant

How to Plant This Houseplant

Money Tree Plants prefer containers that provide adequate drainage. When planting, choose a pot with drainage holes to avoid water logging and subsequent root rot. The size of the container should allow for root development but avoid pots that are too large, as they hold excess water.

A good soil mix for Money Tree Plants is well-draining and peat-moss-based. You can create your own mix using one part peat moss, one part perlite or sand for drainage, and one part loamy garden soil. Before planting, moisten the soil mix. Place some soil in the bottom of the pot, position your plant, then fill in around the plant with soil, firming gently.

Location for Planting This Plant

As discussed, Money Tree Plants thrive in bright, indirect light. A spot near a north or east-facing window is ideal. However, the plant also appreciates a warm and humid environment. Therefore, consider placing it away from air conditioning vents or drafty windows, which can dry out the plant. Similarly, avoid spots near heaters or fireplaces, which can dry out the plant and cause temperature fluctuations.


The importance of proper watering can’t be overstated. It’s the lifeline for any plant, including the Money Tree Plant, and its requirement can make or break your plant’s health and vitality.

Water Requirements

Money Tree Plants enjoy a good drink, but also appreciate drying out a little between waterings. The goal is to keep the soil slightly moist, but not waterlogged.

How Often to Water

The frequency of watering will depend on various factors, such as the plant’s size, the pot size, the ambient temperature and humidity, and the season. Generally, watering once a week or when the top 2-4 inches of soil feels dry is a good rule of thumb. During the colder months, when the plant’s growth slows down, you may need to water less frequently.

Signs of Overwatering and Under-Watering

Overwatering is a common mistake. Signs of overwatering include yellowing leaves, wilting despite the soil being wet, and root rot, which might not be visible initially but can lead to a general decline in the plant’s health.

On the other hand, underwatering may result in drooping or curling leaves, browning leaf tips, and slower growth. In severe cases, the plant may lose leaves or show signs of wilting, even when the soil is dry.

Money Tree Plant

Tips for Proper Watering Techniques

For successful watering, follow these tips:

  • Use lukewarm water: Cold water can shock the plant’s roots, and hot water can damage them. Lukewarm water is just right.
  • Water thoroughly: Ensure water flows out from the bottom of the pot. This ensures that the roots at the bottom get enough moisture.
  • Let it drain: Never let your Money Tree Plant sit in water. After watering, allow the pot to drain thoroughly.

Soil and Fertilization

Selecting the right soil and providing appropriate nutrition are key factors in maintaining a healthy Money Tree Plant.

Soil Requirements

Money Tree Plants thrive in a well-draining, peat-moss-based soil mix. Such a mix retains enough moisture to hydrate the plant while allowing excess water to drain away, preventing root rot.

Importance of Proper Soil Drainage

Proper soil drainage is crucial for the Money Tree Plant, given its sensitivity to overwatering. Good drainage ensures that water doesn’t stagnate around the plant’s roots, which can lead to root rot and other fungal diseases. A pot with drainage holes, combined with well-draining soil, is the best way to ensure proper soil drainage.

Fertilization Requirements and Tips for Proper Fertilizer

During the growing season (spring and summer), fertilize your Money Tree Plant every two to four weeks with a balanced houseplant fertilizer. This helps to replace the nutrients that the plant depletes from the soil. In the fall and winter, as the plant enters a semi-dormant state, reduce the frequency of fertilization to once every couple of months.

Here are a few tips for fertilizing:

  • Dilute your fertilizer: Most liquid fertilizers should be diluted as per the instructions on the bottle. Over-fertilizing or using a concentrated solution can burn the plant’s roots.
  • Don’t fertilize a dry plant: Always water your plant before fertilizing to prevent root burn.
  • Adjust as needed: If your plant seems to be growing slowly during the growing season, even with regular watering and adequate light, it might need more nutrients. Conversely, if the plant’s leaves seem to be browning or spotting despite good care, you might be over-fertilizing.

Temperature and Humidity

Creating the right environment in terms of temperature and humidity is essential to help your Money Tree Plant thrive.

Money Tree Plant

Optimal Temperature Range for this Plant

The Money Tree Plant, like many tropical houseplants, prefers a warm environment. The ideal temperature range is between 65-80 degrees Fahrenheit (18-27 degrees Celsius). It can tolerate a lower limit of about 50 degrees Fahrenheit (10 degrees Celsius), but prolonged exposure to temperatures below this can harm the plant.

Humidity Requirements

As a tropical plant, the Money Tree Plant appreciates a higher humidity level. Ideally, it thrives in an environment with a humidity level of 50% or higher.

How to Adjust Temperature and Humidity for Optimal Growth

To maintain the right temperature, keep your Money Tree Plant away from cold drafts, such as those from windows, doors, or air conditioning vents. Similarly, avoid placing it near heat sources like radiators or fireplaces, as they can cause dry air and temperature fluctuations.

To increase humidity, consider the following methods:

  • Use a humidifier to raise the humidity level around the plant.
  • Group plants together. This creates a microclimate with higher humidity as the plants transpire.
  • Use a pebble tray filled with water placed under the plant pot. Ensure the pot is sitting on the pebbles and not in the water to increase humidity through evaporation.
  • Misting the plant can help increase humidity, but do so with caution, as this can sometimes lead to fungal issues if overdone.

Pests and Diseases

Like all houseplants, Money Tree Plants can fall prey to pests and diseases. Here are some of the common ones and ways to prevent and treat them.

Common Pests and Diseases

  • Pests: The most common pests to look out for include mealybugs, scale, and spider mites. These small bugs feed on plant sap, causing discolored or distorted leaves.
  • Diseases: Root rot is a common disease resulting from overwatering or poor drainage.

Prevention and Treatment Methods

Preventing pests and diseases primarily involves providing the appropriate care to the plant and regularly inspecting your plant for signs of trouble.

  • Prevention: Ensure you’re not overwatering your plant, provide good airflow around your plants, and avoid temperature and humidity extremes. Also, isolate new plants until you’re sure they’re pest-free to avoid spreading pests to your other houseplants.
  • Treatment: If you do find pests, wipe off as many as you can with a cloth or soft brush. Then, treat the plant with an insecticidal soap or a solution of water and mild dish soap. If root rot has set in due to overwatering, you may need to repot the plant, removing the diseased parts of the root system and ensuring the new pot and soil provide good drainage.


Pruning is an important part of maintaining the health and aesthetics of your Money Tree Plant.

Money Tree Plant

Reasons for Pruning Money Tree Plants

  • Health: Removing dead, dying, or diseased parts of the plant helps prevent the spread of diseases and pests.
  • Size Management: If your Money Tree Plant is getting too large for its location, pruning helps manage its size.
  • Aesthetics: Pruning can help maintain your plant’s shape and appearance.

How to Prune Money Tree Plants

Pruning a Money Tree Plant is quite straightforward. Here are the steps:

  1. Identify which parts need pruning: Look for damaged, diseased, or overly long branches.
  2. Disinfect your tools: Before you begin pruning, ensure your pruning shears are clean and disinfected to prevent the spread of diseases.
  3. Make clean cuts: Cut the unwanted branches at the point where they connect with the main stem. Make sure your cuts are clean to promote faster healing.
  4. Dispose of the cuttings: Don’t leave the pruned branches lying around as they can attract pests or lead to disease.

Recommended Varieties

While the traditional Money Tree Plant (Pachira aquatica) is quite popular, there are several other varieties you might consider:

  • Pachira glabra: This variety is similar to Pachira aquatica but has slightly different leaves. It also boasts the same braided trunk and loves the same conditions as the Money Tree Plant.
  • Pachira macrocarpa: Also known as the French Peanut Tree, this variety produces large, ornamental seed pods.

Each of these varieties shares the Money Tree Plant’s love of bright, indirect light, regular watering, and a humid environment.

Common Problems Faced in Care and Maintenance of This Plant

Despite your best efforts, you might still face some common problems in the care and maintenance of your Money Tree Plant:

  • Leaf yellowing: This is often a sign of overwatering. Check your watering practices and ensure the plant has proper drainage.
  • Leaf drop: If your plant is losing leaves, it might be due to under-watering, low light, or a sudden change in temperature or location.
  • Slow growth or lack of blooms: This could be due to insufficient light or the need for fertilization.

Tips For Better Care

Taking care of a Money Tree Plant can be a rewarding hobby, especially if you follow these basic and advanced tips to enhance your plant care regime.

Money Tree Plant

Basic Level Tips

  • Water Wisely: Water your Money Tree Plant when the top 2-4 inches of soil feels dry to the touch. Be sure not to overwater or let the plant sit in standing water.
  • Bright, Indirect Light: Keep your plant in a location with bright, indirect light to encourage growth and vitality.
  • Watch the Temperature: Ensure your plant is kept at a steady, warm temperature and away from drafts.

Advanced Level Tips

  • Prune Regularly: Regularly prune your Money Tree Plant to maintain its shape, manage its size, and keep it healthy.
  • Fertilize Seasonally: Fertilize your plant during the growing season, but cut back during the winter when the plant’s growth slows.
  • Monitor Humidity: If you can, maintain a higher humidity level for your plant. This can be achieved through the use of a humidifier, a pebble tray, or by grouping plants together.

Frequently Asked Questions (FAQs)

Why are the leaves on my Money Tree Plant turning yellow?

This is most commonly a sign of overwatering. Check the moisture level of your soil and adjust your watering schedule as needed.

How often should I fertilize my Money Tree Plant?

During the growing season (spring and summer), you should fertilize your plant every two to four weeks. In fall and winter, reduce fertilization to once every couple of months.

Does my Money Tree Plant need direct sunlight?

No, Money Tree Plants actually prefer bright, indirect light. Direct sunlight can scorch the leaves.

What should I do if my Money Tree Plant has pests?

Remove the pests physically if possible, then treat the plant with an insecticidal soap or a solution of water and mild dish soap.

How can I increase humidity for my Money Tree Plant?

You can use a humidifier, a pebble tray with water, or group plants together to create a higher humidity microclimate.

About Christopher Evans

Hello, I'm Chris, the green-thumbed Founder of I'm passionate about bringing the beauty of nature indoors through houseplants and indoor gardening. Let's create healthier and more beautiful living spaces, one plant at a time!

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