The Money Tree Plant, known as Pachira aquatica, is one of the best low-maintenance houseplants prized for its braided trunk, lush green leaves, and association with prosperity and good fortune. In short, it's called the Money Tree because of its symbolic ties to luck, wealth, and good fortune, not because it actually grows money, though some people do jokingly wish it did!
Originating from tropical wetlands, this plant has gained immense popularity in modern homes, offices, and even business spaces across the world. The Money tree bonsai is a compact, artistic version of the traditional plant, often used to symbolize wealth and harmony in feng shui practices.
According to the principles of Feng Shui, the Money Tree is believed to bring luck, financial prosperity, and positive energy when placed in specific areas of a home or office. It is commonly placed in the southeast corner—known as the "wealth corner"—to invite abundance and growth. The braided trunk is said to trap fortune within its folds, while the five-lobed leaves represent the five fundamental elements: earth, water, fire, wind, and metal, creating a balanced flow of chi (energy).
The Pachira aquatica extremely fast growing up to 24 inches per year.
In its natural habitat, the Money Tree can grow up to 60 feet tall, but as a houseplant it can grow up to 6 feet tall indoors, and up to 12 feet tall outdoors in ideal your garden.
Native to Central and South America, the money tree plant has several other common names such as Malabar Chestnut, Guiana Chestnut, Chinese money tree, and Provision Tree.
The Money tree is admired for its glossy, hand-shaped palmate leaves that radiate from a central point, often with five to seven leaflets per stem, resembling an open hand.
The most iconic form features a braided trunk, achieved when several young stems are woven together while pliable and then grow as one. This braided appearance adds a sculptural quality and is often viewed as a symbolic protection of wealth.
The Money tree blooms during spring with large, showy white or cream-colored flowers with long stamens and a pleasant fragrance. These flowers later develop into large, woody seed pods containing edible chestnut-like nuts.
One of the plant’s most unique qualities is its adaptability to various environments—it can thrive indoors with minimal care, tolerate low humidity if acclimated properly, and purify indoor air. Its symbolic significance, combined with its ornamental structure, makes it a favorite for gifting during housewarmings, business openings, and holidays.
When and How to Water Your Money Tree Plant
The Money Tree is moderately drought-tolerant due to its thick, water-storing trunk, but it thrives with a consistent watering schedule that avoids soggy roots. Always check the top 2 inches of soil for dryness before watering to prevent overwatering. Water your Money Tree every 7–10 days during the growing season with deep watering and reduce to once every 3–4 weeks in the dormant season.
From March to August, during the growing season, water thoroughly once every 7–10 days, ensuring excess water drains out of the pot. This is the Money tree plant’s active period, when it needs more hydration to support new foliage growth. Make sure the soil remains moist but never soggy, and consider misting the leaves lightly to increase humidity.
From September to February, in the dormant season, reduce watering to once every 3–4 weeks, providing just enough to prevent the roots from drying out. Overwatering in winter is a common mistake that can lead to root rot. Keep it in a warm spot and ensure proper drainage during these cooler months.
Light Requirements – Where to Place Your Money Tree House Plant
When growing indoors, the Money tree plant thrives in bright, indirect light for 6–8 hours a day.
Place them near east- or south-facing windows, but avoid direct sunlight, which can scorch the leaves.
They also adapt well to fluorescent lighting, making them ideal for offices and low-light homes.
When grown outdoors, place your Pachira Money Tree in a location that receives partial shade or filtered sunlight for 4–6 hours daily.
Direct outdoor sun, especially in hot climates, can burn the leaves. A shaded patio, balcony, or under taller plants works well, as long as there's good airflow.
Avoid low-light environments indoors or full sun outdoors, as both can cause stress. While adaptable, poor lighting leads to slow growth, leaf drop, or legginess. Rotate the plant occasionally for even light exposure and symmetrical growth.
Optimal Soil & Fertilizer Needs
Use a well-draining peat-based soil mixed with perlite or sand and fertilize monthly in spring and summer. The goal is to prevent waterlogging while retaining enough moisture for root absorption. Avoid heavy or clay-based soil. Planet Desert has specialized potting soil, opens in a new tabGo to Soil cactus mix blend 1 gal 4 qt cacti succulent dirt compost growing media that includes an organic substrate with mycorrhizae to help with the growth of a healthy root system, to help your money plant thrive.
Feed your Money Tree every 4 to 6 weeks in spring and summer using a balanced indoor plant fertilizer diluted to half strength on moist soil to prevent root burn. Stop fertilizing completely in fall and winter when growth naturally slows down. Adding organic matter such as worm castings or compost can enhance soil fertility, especially in pots. Make sure the container has drainage holes and never let the plant sit in standing water.
How to Grow Best Indoors as a Houseplant
The Money Tree makes a striking, low-maintenance house plant when provided with stable temperatures, good light, and moderate humidity.
- Place it near an east- south or west-facing window where it receives 6–8 hours of bright, indirect light daily.
- Avoid harsh direct sunlight, which can scorch its leaves.
- Use a grow light if your home does not receive enough natural light.
- Maintain indoor temperatures between 65°F and 80°F.
- Keep humidity levels around 50% to 60%.
- Keep the plant away from drafts, heaters, and air-conditioning vents to prevent stress and leaf drop.
Hardiness Zones & More
In the United States, this is mostly grown as an indoor plant, but if you live in warmer climates like southern Florida or Hawaii, specifically in USDA Zones 10-12, you may be able to cultivate it outdoors year-round with care.
In these zones, choose a location that receives bright morning sunlight with partial shade in the afternoon to avoid scorching the leaves.
Humidity should be maintained at moderate to high levels, ideally above 50%, to support healthy growth and prevent leaf drop. Use a humidity tray or humidifier to maintain 40–60% humidity indoors during winter.
Wildlife – Money Tree Plant Flowers Attract the Following Friendly Pollinators
The Money Tree Flower is known to attract a variety of friendly pollinators, including butterflies, bees, bats, and hummingbirds. These creatures play a crucial role in the ecosystem by helping to pollinate plants and ensure their reproduction.
Butterflies
Bees
Hummingbirds
Lady Bugs
Multi Pollinators
Other Birds
According to the ASPCA, the Pachira aquatica is non-toxic to humans, cats, dogs, and horses. This makes it a great option for pet-friendly households. However, ingestion of large amounts may still cause mild stomach upset.
Easy Steps to Braid Your Money Tree
Money trees are usually sold as young plants featuring three, five, or seven stems woven together into a central braid, a style popular for its traditional association with capturing luck and good fortune. Nurseries braid these soft, pliable stems early in the plant's life so that as the tree matures, the woven trunk thickens and retains its distinctive shape.
Young Money Trees with soft, bendable stems, at least a foot tall, can be gently woven together so they grow as one.
- Get the Stems Ready: Take the young plants out of their pots. Pluck off any small leaves along the middle of the stems so they don't get squished when you start weaving.
- Braid Gently: Tie the bottom of the stems together loosely with soft string or a twist tie to keep them still. Carefully cross the stems over each other like a hair braid, keeping it relaxed so the trunks have room to grow thicker later.
- Tie Off the Top: See if the braid stays in place on its own. If it starts to untwist, loosely wrap a bit of garden tape or string around the top end to keep it secure.
- Settle in a New Pot: Plant the braided tree into its new pot with fresh soil. Push a small stake into the soil next to the plant and tie the trunk to it loosely to help it stay upright while it roots.
- Give It a Cozy Spot to Rest: Braiding takes a lot of energy out of the plant! Place it in a shady, bright spot away from harsh direct sun for a few weeks so it can recover safely.
- Take Off the Ties: After a couple of months, once the trunks have set into their new shape, carefully snip off the ties and remove the stake.
How to Propagate a Money Tree Plant
The Chinese money tree can be propagated easily through stem cuttings taken during spring or early summer. Choose a healthy branch with at least two leaf nodes and cut it using clean, sharp scissors. Dip the cut end in rooting hormone and plant it in moist, well-draining soil. Keep the pot in bright, indirect light and maintain consistent humidity using a plastic dome or humidity tray. Roots typically form in 3–4 weeks. Once rooted, treat the new plant like a mature specimen.
How to Prune a Money Tree
Pruning your Money Tree keeps it healthy, compact, and visually balanced. In early spring, use sharp, disinfected pruning shears to trim away yellow, damaged, or overgrown branches. Cut at a 45° angle roughly 1/4 inch above a leaf node, which triggers new, bushier foliage to grow from that point. Be sure to trim off any thin shoots sprouting low along the braided trunk to direct energy toward the upper canopy, taking care not to remove more than a third of the plant's total foliage at one time.
Key Takeaways
- According to feng shui, the popular houseplant money tree is a symbol that, when placed in homes or offices, attracts wealth, good fortune, and positive energy.
- This tropical plant can grow up to 24 inches per year, making it extremely fast-growing option for indoor greenery.
- According to ASPCA, it is non-toxic to cats and dogs, making it a pet-friendly houseplant.
- Money Tree plants are often grown and styled as bonsai, featuring braided trunks and compact foliage for decorative appeal.
- The plant thrives indoors with bright, indirect light and is easy to maintain with moderate watering and occasional pruning.
How to Repot a Money Tree House Plant
Repotting every 2 to 3 years refreshes tired soil and gives your Money Tree's roots room to flourish. Choose a new pot with drainage holes that is 2 to 3 inches larger in diameter, and use a light, well-draining potting mix rich in peat and perlite. Carefully ease the plant out of its current container, gently untangle any tightly bound roots with your fingers, and center it in the new pot. Fill in around the root ball with fresh soil, press down lightly to eliminate air pockets, and water thoroughly until it drains from the bottom to help the plant settle into its new home.
The Bottom Line
Overall, the Money Tree ‘Pachira aquatica’ is a stylish, popular houseplant with braided stems and lush green leaves. It thrives with moderate watering, bright indirect light, and well-draining soil. Known for its symbolism of good fortune and prosperity, it is a popular choice for both indoor and outdoor décor. With its non-toxic nature, humidity tolerance, and low maintenance needs, it’s an excellent plant for beginners and collectors alike. As both a botanical treasure and a Feng Shui favorite, the Money Tree truly lives up to its name, bringing a sense of calm, balance, and prosperity to all who grow it. Order your very own Money Tree for sale today!
Bloom Season
Flower Color
Growth Rate
Hardiness Zone
Mature Size
Plant Type
Resistance
Sun Exposure
Watering Needs
| Attribute | Value |
|---|---|
| Bloom Season | Spring |
| Botanical Name | Pachira aquatica |
| Common Name | Money tree plant |
| Dormancy | Winter |
| Family | Malvaceae |
| Flower Color | White, Cream |
| Genus | Pachira |
| Growth Habit | Upright |
| Growth Rate | Fast |
| Hardiness Zone | 10, 11, 12 |
| Mature Size | 6 ft. tall (indoors), 24 ft. tall (outdoor) |
| Native Area | Central and South America |
| Plant Type | Perennial |
| Propagation | By stem cuttings |
| Resistance | Extremely drought-tolerant, heat resistance, pest resistance |
| Soil PH | 6.5, Acidic, Neutral |
| Soil Type | well-draining soil mix |
| Special Features | Easy to maintain, Easy to grow |
| Sun Exposure | Partial shade (3–6 hrs. sun) |
| Toxicity | Safe for humans, friendly to dogs, friendly to cats |
| Watering Needs | Low |
Growers Quick Reference Guide - Key Features
| Attribute | Value |
|---|---|
| Bloom Season | Spring |
| Botanical Name | Pachira aquatica |
| Common Name | Money tree plant |
| Dormancy | Winter |
| Family | Malvaceae |
| Flower Color | White, Cream |
| Genus | Pachira |
| Growth Habit | Upright |
| Growth Rate | Fast |
| Hardiness Zone | 10, 11, 12 |
| Mature Size | 6 ft. tall (indoors), 24 ft. tall (outdoor) |
| Native Area | Central and South America |
| Plant Type | Perennial |
| Propagation | By stem cuttings |
| Resistance | Extremely drought-tolerant, heat resistance, pest resistance |
| Soil PH | 6.5, Acidic, Neutral |
| Soil Type | well-draining soil mix |
| Special Features | Easy to maintain, Easy to grow |
| Sun Exposure | Partial shade (3–6 hrs. sun) |
| Toxicity | Safe for humans, friendly to dogs, friendly to cats |
| Watering Needs | Low |
- Description
- Key Plant Features
The Money Tree Plant, known as Pachira aquatica, is one of the best low-maintenance houseplants prized for its braided trunk, lush green leaves, and association with prosperity and good fortune. In short, it's called the Money Tree because of its symbolic ties to luck, wealth, and good fortune, not because it actually grows money, though some people do jokingly wish it did!
Originating from tropical wetlands, this plant has gained immense popularity in modern homes, offices, and even business spaces across the world. The Money tree bonsai is a compact, artistic version of the traditional plant, often used to symbolize wealth and harmony in feng shui practices.
According to the principles of Feng Shui, the Money Tree is believed to bring luck, financial prosperity, and positive energy when placed in specific areas of a home or office. It is commonly placed in the southeast corner—known as the "wealth corner"—to invite abundance and growth. The braided trunk is said to trap fortune within its folds, while the five-lobed leaves represent the five fundamental elements: earth, water, fire, wind, and metal, creating a balanced flow of chi (energy).
The Pachira aquatica extremely fast growing up to 24 inches per year.
In its natural habitat, the Money Tree can grow up to 60 feet tall, but as a houseplant it can grow up to 6 feet tall indoors, and up to 12 feet tall outdoors in ideal your garden.
Native to Central and South America, the money tree plant has several other common names such as Malabar Chestnut, Guiana Chestnut, Chinese money tree, and Provision Tree.
The Money tree is admired for its glossy, hand-shaped palmate leaves that radiate from a central point, often with five to seven leaflets per stem, resembling an open hand.
The most iconic form features a braided trunk, achieved when several young stems are woven together while pliable and then grow as one. This braided appearance adds a sculptural quality and is often viewed as a symbolic protection of wealth.
The Money tree blooms during spring with large, showy white or cream-colored flowers with long stamens and a pleasant fragrance. These flowers later develop into large, woody seed pods containing edible chestnut-like nuts.
One of the plant’s most unique qualities is its adaptability to various environments—it can thrive indoors with minimal care, tolerate low humidity if acclimated properly, and purify indoor air. Its symbolic significance, combined with its ornamental structure, makes it a favorite for gifting during housewarmings, business openings, and holidays.
When and How to Water Your Money Tree Plant
The Money Tree is moderately drought-tolerant due to its thick, water-storing trunk, but it thrives with a consistent watering schedule that avoids soggy roots. Always check the top 2 inches of soil for dryness before watering to prevent overwatering. Water your Money Tree every 7–10 days during the growing season with deep watering and reduce to once every 3–4 weeks in the dormant season.
From March to August, during the growing season, water thoroughly once every 7–10 days, ensuring excess water drains out of the pot. This is the Money tree plant’s active period, when it needs more hydration to support new foliage growth. Make sure the soil remains moist but never soggy, and consider misting the leaves lightly to increase humidity.
From September to February, in the dormant season, reduce watering to once every 3–4 weeks, providing just enough to prevent the roots from drying out. Overwatering in winter is a common mistake that can lead to root rot. Keep it in a warm spot and ensure proper drainage during these cooler months.
Light Requirements – Where to Place Your Money Tree House Plant
When growing indoors, the Money tree plant thrives in bright, indirect light for 6–8 hours a day.
Place them near east- or south-facing windows, but avoid direct sunlight, which can scorch the leaves.
They also adapt well to fluorescent lighting, making them ideal for offices and low-light homes.
When grown outdoors, place your Pachira Money Tree in a location that receives partial shade or filtered sunlight for 4–6 hours daily.
Direct outdoor sun, especially in hot climates, can burn the leaves. A shaded patio, balcony, or under taller plants works well, as long as there's good airflow.
Avoid low-light environments indoors or full sun outdoors, as both can cause stress. While adaptable, poor lighting leads to slow growth, leaf drop, or legginess. Rotate the plant occasionally for even light exposure and symmetrical growth.
Optimal Soil & Fertilizer Needs
Use a well-draining peat-based soil mixed with perlite or sand and fertilize monthly in spring and summer. The goal is to prevent waterlogging while retaining enough moisture for root absorption. Avoid heavy or clay-based soil. Planet Desert has specialized potting soil, opens in a new tabGo to Soil cactus mix blend 1 gal 4 qt cacti succulent dirt compost growing media that includes an organic substrate with mycorrhizae to help with the growth of a healthy root system, to help your money plant thrive.
Feed your Money Tree every 4 to 6 weeks in spring and summer using a balanced indoor plant fertilizer diluted to half strength on moist soil to prevent root burn. Stop fertilizing completely in fall and winter when growth naturally slows down. Adding organic matter such as worm castings or compost can enhance soil fertility, especially in pots. Make sure the container has drainage holes and never let the plant sit in standing water.
How to Grow Best Indoors as a Houseplant
The Money Tree makes a striking, low-maintenance house plant when provided with stable temperatures, good light, and moderate humidity.
- Place it near an east- south or west-facing window where it receives 6–8 hours of bright, indirect light daily.
- Avoid harsh direct sunlight, which can scorch its leaves.
- Use a grow light if your home does not receive enough natural light.
- Maintain indoor temperatures between 65°F and 80°F.
- Keep humidity levels around 50% to 60%.
- Keep the plant away from drafts, heaters, and air-conditioning vents to prevent stress and leaf drop.
Hardiness Zones & More
In the United States, this is mostly grown as an indoor plant, but if you live in warmer climates like southern Florida or Hawaii, specifically in USDA Zones 10-12, you may be able to cultivate it outdoors year-round with care.
In these zones, choose a location that receives bright morning sunlight with partial shade in the afternoon to avoid scorching the leaves.
Humidity should be maintained at moderate to high levels, ideally above 50%, to support healthy growth and prevent leaf drop. Use a humidity tray or humidifier to maintain 40–60% humidity indoors during winter.
Wildlife – Money Tree Plant Flowers Attract the Following Friendly Pollinators
The Money Tree Flower is known to attract a variety of friendly pollinators, including butterflies, bees, bats, and hummingbirds. These creatures play a crucial role in the ecosystem by helping to pollinate plants and ensure their reproduction.
Butterflies
Bees
Hummingbirds
Lady Bugs
Multi Pollinators
Other Birds
According to the ASPCA, the Pachira aquatica is non-toxic to humans, cats, dogs, and horses. This makes it a great option for pet-friendly households. However, ingestion of large amounts may still cause mild stomach upset.
Easy Steps to Braid Your Money Tree
Money trees are usually sold as young plants featuring three, five, or seven stems woven together into a central braid, a style popular for its traditional association with capturing luck and good fortune. Nurseries braid these soft, pliable stems early in the plant's life so that as the tree matures, the woven trunk thickens and retains its distinctive shape.
Young Money Trees with soft, bendable stems, at least a foot tall, can be gently woven together so they grow as one.
- Get the Stems Ready: Take the young plants out of their pots. Pluck off any small leaves along the middle of the stems so they don't get squished when you start weaving.
- Braid Gently: Tie the bottom of the stems together loosely with soft string or a twist tie to keep them still. Carefully cross the stems over each other like a hair braid, keeping it relaxed so the trunks have room to grow thicker later.
- Tie Off the Top: See if the braid stays in place on its own. If it starts to untwist, loosely wrap a bit of garden tape or string around the top end to keep it secure.
- Settle in a New Pot: Plant the braided tree into its new pot with fresh soil. Push a small stake into the soil next to the plant and tie the trunk to it loosely to help it stay upright while it roots.
- Give It a Cozy Spot to Rest: Braiding takes a lot of energy out of the plant! Place it in a shady, bright spot away from harsh direct sun for a few weeks so it can recover safely.
- Take Off the Ties: After a couple of months, once the trunks have set into their new shape, carefully snip off the ties and remove the stake.
How to Propagate a Money Tree Plant
The Chinese money tree can be propagated easily through stem cuttings taken during spring or early summer. Choose a healthy branch with at least two leaf nodes and cut it using clean, sharp scissors. Dip the cut end in rooting hormone and plant it in moist, well-draining soil. Keep the pot in bright, indirect light and maintain consistent humidity using a plastic dome or humidity tray. Roots typically form in 3–4 weeks. Once rooted, treat the new plant like a mature specimen.
How to Prune a Money Tree
Pruning your Money Tree keeps it healthy, compact, and visually balanced. In early spring, use sharp, disinfected pruning shears to trim away yellow, damaged, or overgrown branches. Cut at a 45° angle roughly 1/4 inch above a leaf node, which triggers new, bushier foliage to grow from that point. Be sure to trim off any thin shoots sprouting low along the braided trunk to direct energy toward the upper canopy, taking care not to remove more than a third of the plant's total foliage at one time.
Key Takeaways
- According to feng shui, the popular houseplant money tree is a symbol that, when placed in homes or offices, attracts wealth, good fortune, and positive energy.
- This tropical plant can grow up to 24 inches per year, making it extremely fast-growing option for indoor greenery.
- According to ASPCA, it is non-toxic to cats and dogs, making it a pet-friendly houseplant.
- Money Tree plants are often grown and styled as bonsai, featuring braided trunks and compact foliage for decorative appeal.
- The plant thrives indoors with bright, indirect light and is easy to maintain with moderate watering and occasional pruning.
How to Repot a Money Tree House Plant
Repotting every 2 to 3 years refreshes tired soil and gives your Money Tree's roots room to flourish. Choose a new pot with drainage holes that is 2 to 3 inches larger in diameter, and use a light, well-draining potting mix rich in peat and perlite. Carefully ease the plant out of its current container, gently untangle any tightly bound roots with your fingers, and center it in the new pot. Fill in around the root ball with fresh soil, press down lightly to eliminate air pockets, and water thoroughly until it drains from the bottom to help the plant settle into its new home.
The Bottom Line
Overall, the Money Tree ‘Pachira aquatica’ is a stylish, popular houseplant with braided stems and lush green leaves. It thrives with moderate watering, bright indirect light, and well-draining soil. Known for its symbolism of good fortune and prosperity, it is a popular choice for both indoor and outdoor décor. With its non-toxic nature, humidity tolerance, and low maintenance needs, it’s an excellent plant for beginners and collectors alike. As both a botanical treasure and a Feng Shui favorite, the Money Tree truly lives up to its name, bringing a sense of calm, balance, and prosperity to all who grow it. Order your very own Money Tree for sale today!
Bloom Season
Flower Color
Growth Rate
Hardiness Zone
Mature Size
Plant Type
Resistance
Sun Exposure
Watering Needs
| Attribute | Value |
|---|---|
| Bloom Season | Spring |
| Botanical Name | Pachira aquatica |
| Common Name | Money tree plant |
| Dormancy | Winter |
| Family | Malvaceae |
| Flower Color | White, Cream |
| Genus | Pachira |
| Growth Habit | Upright |
| Growth Rate | Fast |
| Hardiness Zone | 10, 11, 12 |
| Mature Size | 6 ft. tall (indoors), 24 ft. tall (outdoor) |
| Native Area | Central and South America |
| Plant Type | Perennial |
| Propagation | By stem cuttings |
| Resistance | Extremely drought-tolerant, heat resistance, pest resistance |
| Soil PH | 6.5, Acidic, Neutral |
| Soil Type | well-draining soil mix |
| Special Features | Easy to maintain, Easy to grow |
| Sun Exposure | Partial shade (3–6 hrs. sun) |
| Toxicity | Safe for humans, friendly to dogs, friendly to cats |
| Watering Needs | Low |
Growers Quick Reference Guide - Key Features
| Attribute | Value |
|---|---|
| Bloom Season | Spring |
| Botanical Name | Pachira aquatica |
| Common Name | Money tree plant |
| Dormancy | Winter |
| Family | Malvaceae |
| Flower Color | White, Cream |
| Genus | Pachira |
| Growth Habit | Upright |
| Growth Rate | Fast |
| Hardiness Zone | 10, 11, 12 |
| Mature Size | 6 ft. tall (indoors), 24 ft. tall (outdoor) |
| Native Area | Central and South America |
| Plant Type | Perennial |
| Propagation | By stem cuttings |
| Resistance | Extremely drought-tolerant, heat resistance, pest resistance |
| Soil PH | 6.5, Acidic, Neutral |
| Soil Type | well-draining soil mix |
| Special Features | Easy to maintain, Easy to grow |
| Sun Exposure | Partial shade (3–6 hrs. sun) |
| Toxicity | Safe for humans, friendly to dogs, friendly to cats |
| Watering Needs | Low |
