How to Care for Money Tree

The Money Tree (Pachira aquatica) is a popular, easy-care houseplant recognized for its glossy palmate leaves and often braided trunk. It is forgiving and adaptable, making it an excellent choice for beginners who provide bright indirect light and avoid overwatering.

Light

Bright indirect light is ideal. Place it near a window with plenty of ambient light but out of harsh, direct midday sun, which can scorch the leaves. It tolerates moderate light but grows leggy and pale in dim conditions. Rotate the plant occasionally so it grows evenly toward the light.

Water

Water when the top inch of soil dries out. The money tree dislikes both extremes: constantly soggy soil causes root rot, the single most common cause of decline, while prolonged drought leads to leaf drop. Water thoroughly until it drains from the bottom, then let the top inch dry before watering again. Reduce watering in winter when growth slows. Always empty the drainage saucer so the pot never sits in water.

Soil & Potting

Use a well-draining, peat-based potting mix, ideally lightened with perlite or sand to prevent waterlogging. A container with drainage holes is essential. Despite the species name meaning "aquatic," indoor specimens are prone to rot if kept too wet, so prioritize drainage.

Humidity & Temperature

The money tree prefers warm, humid conditions reflecting its tropical origins. Average household temperatures suit it well; keep it away from cold drafts, heating vents, and temperatures below the mid-50s Fahrenheit. It appreciates moderate to high humidity; mist occasionally, group with other plants, or use a pebble tray if indoor air is dry, which can otherwise cause leaf-tip browning.

Feeding

Feed lightly during the growing season, spring through summer, with a balanced liquid houseplant fertilizer diluted to half strength about once a month. Do not feed in fall and winter when growth is slow. Over-fertilizing can cause salt buildup and leaf burn, so err on the side of less.

Propagation

Propagate from stem cuttings taken in spring or summer. Take a cutting with a few leaf nodes, let the cut end callus briefly, then root it in water or moist, well-draining soil in a warm, bright spot. Rooting can take several weeks. Air layering is another option for larger stems.

Repotting / Pruning

Repot every two to three years, or when roots fill the pot, moving up one pot size in spring. Money trees actually flower and fruit rarely indoors, and being slightly root-bound is fine. Prune to shape and control size any time growth is active; trim leggy stems above a node to encourage bushier growth. Braided specimens can be maintained by gently guiding new growth. Wipe the glossy leaves periodically to remove dust and keep them photosynthesizing efficiently.

Common Problems & Pests

Root rot from overwatering is the leading problem, showing as yellowing leaves and a soft trunk; correct by reducing water and improving drainage. Leaf drop can result from over- or under-watering or sudden environmental change. Brown leaf tips suggest low humidity or salt buildup. Common houseplant pests include spider mites, scale, and mealybugs; treat with insecticidal soap or by wiping the leaves. Yellow lower leaves are often normal aging.

Seasonal Care Tips

In spring and summer, water regularly as the top inch dries, feed monthly, and repot or propagate as needed. In fall, reduce feeding and watering as growth slows. In winter, water sparingly, stop fertilizing, keep the plant warm and away from cold drafts and dry heating vents, and provide the brightest light available during shorter days.