Learn How to Grow Money Tree Houseplants

Understanding Money Tree Basics and Growing Conditions

Money trees, scientifically known as Pachira aquatica, are tropical plants native to Central and South America. These plants earned their common name from a legend in Taiwan, where a poor farmer discovered the plant and used it to improve his fortune. Today, they remain popular houseplants, particularly in Asian cultures where they're considered symbols of prosperity and good luck. The plant features distinctive palmate leaves—meaning the leaflets spread out like fingers on a hand—typically with five to seven leaflets per leaf cluster.

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Money trees thrive in bright, indirect light conditions. According to horticultural research, these plants perform best when placed near east or west-facing windows where they receive filtered sunlight for several hours daily. Direct sunlight can scorch the leaves, causing brown patches and leaf drop. If your home lacks sufficient natural light, money trees can survive under fluorescent lighting positioned 6 to 12 inches above the plant for 12 to 16 hours per day.

Temperature preferences matter significantly for healthy growth. Money trees prefer temperatures between 65 and 75 degrees Fahrenheit during the day and slightly cooler at night. Exposure to temperatures below 50 degrees Fahrenheit can cause leaf yellowing and slow growth. These plants are sensitive to cold drafts, so avoid placing them near air conditioning vents, open windows in winter, or heating units that create temperature fluctuations.

Humidity levels influence how well your money tree grows. Native to tropical regions, these plants appreciate humidity levels between 50 and 60 percent. Most modern homes maintain humidity around 30 to 40 percent, which can lead to brown leaf tips and slower growth. You can increase humidity by misting the plant with water two to three times weekly, placing the pot on a pebble tray filled with water, or positioning the plant in a bathroom where moisture naturally accumulates.

Practical takeaway: Create an optimal environment by placing your money tree in bright, indirect light away from cold drafts, maintaining consistent temperatures between 65 and 75 degrees, and increasing humidity through misting or pebble trays.

Soil Selection and Proper Potting Techniques

Choosing the right soil mixture is crucial for money tree health because these plants are susceptible to root rot in overly wet conditions. Standard potting soil alone retains too much moisture. Instead, use a well-draining mixture that combines equal parts potting soil, peat moss or coconut coir, and perlite or coarse sand. This combination allows water to flow through the soil while still retaining some moisture for the roots to absorb. Some growers prefer a mixture of 2 parts potting soil to 1 part perlite, which also works effectively for money trees.

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Pot selection significantly affects watering patterns and plant health. Money trees should be planted in containers with drainage holes—this is non-negotiable for preventing root rot. A pot that is 1 to 2 inches larger in diameter than the plant's root ball works well for established plants. Using a pot that's too large causes soil to stay wet longer than the roots can use the water, leading to fungal issues. Terracotta pots offer advantages because they're porous and allow soil to dry out between waterings, though plastic pots work acceptably if you adjust your watering schedule accordingly.

When repotting your money tree, timing matters. Most money trees need repotting every 18 to 24 months during the growing season, which runs from spring through early summer. Signs that repotting is necessary include roots growing through drainage holes, water running straight through the pot without absorbing, or the plant becoming top-heavy and tipping easily. To repot, gently remove the plant from its current pot, loosen the root ball slightly with your fingers, and place it in the new pot with fresh soil mixture around the sides.

Initial soil preparation can also include adding slow-release fertilizer pellets mixed into the potting medium. These pellets release nutrients gradually over several months, reducing the need for frequent liquid fertilizing. However, you can add them later if your current soil doesn't include them. After potting, water the soil thoroughly until water drains from the bottom, then allow the top inch of soil to dry slightly before the next watering.

Practical takeaway: Mix well-draining soil using equal parts potting soil, peat moss, and perlite, use a pot with drainage holes that's only slightly larger than the root ball, and repot every 18 to 24 months during the growing season.

Watering Schedule and Techniques for Optimal Growth

Money trees have moderate water needs, but overwatering represents the most common reason these plants fail indoors. The key to watering correctly is checking soil moisture before adding water. Stick your finger about one inch into the soil; if it feels dry at that depth, it's time to water. If the soil still feels moist, wait several more days before checking again. Most money trees need watering once every 7 to 10 days during the growing season, though this varies based on pot size, soil type, humidity, and light conditions.

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Water quality affects plant health more than many gardeners realize. Money trees are sensitive to chlorine and fluoride found in tap water. If your tap water contains high levels of these chemicals, let it sit in an open container for 24 hours before using, which allows chlorine to evaporate. Alternatively, collect rainwater or use distilled water. When watering, apply water at room temperature until it drains from the bottom holes, then empty any water that collects in the saucer beneath the pot. Standing water around the roots promotes root rot within days.

Seasonal adjustments are necessary because money trees enter a dormant period during fall and winter months. During this time, growth slows significantly, and the plant requires less water. Check soil moisture more frequently—perhaps only watering once every 10 to 14 days or even less often. Some gardeners reduce watering frequency by half during winter months. Additionally, reduce the frequency of misting during winter since cooler temperatures and lower light levels mean the plant loses moisture more slowly.

Watch for signs of both overwatering and underwatering to adjust your routine. Overwatered money trees develop yellow leaves starting from the bottom, have soft or mushy stems, and may emit a sour smell from the soil indicating root rot. Underwatered plants develop brown leaf tips and edges, leaves become papery and brittle, and growth stops entirely. If you notice overwatering symptoms, stop watering immediately, allow the soil to dry out significantly, and consider repotting into fresh, dry soil if the problem is severe.

Practical takeaway: Water only when the top inch of soil is dry, use room-temperature water that's been treated to remove chlorine, and reduce watering frequency by half during fall and winter months.

Fertilizing and Nutrient Requirements

Money trees require regular feeding during their active growing season to maintain healthy foliage and support new growth. The growing season typically runs from March or April through September or October. During these months, fertilize every two to four weeks using a balanced, water-soluble houseplant fertilizer with an NPK ratio of 10-10-10 or similar. NPK refers to the percentages of nitrogen, phosphorus, and potassium—the three primary nutrients plants need. Nitrogen supports leaf growth, phosphorus encourages root development, and potassium strengthens overall plant structure.

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Application method matters significantly for preventing fertilizer burn, which occurs when concentrated fertilizer damages roots. Always dilute liquid fertilizer according to package directions—most recommend mixing one-half to one teaspoon of fertilizer per gallon of water. Apply diluted fertilizer to thoroughly moist soil rather than dry soil, as this distributes nutrients evenly and reduces burn risk. Water the plant with plain water first, then apply the fertilizer mixture. Never fertilize a dry plant directly.

Some gardeners prefer organic fertilizer options derived from natural sources. Fish emulsion, made from decomposed fish, provides excellent nitrogen for foliage growth and a naturally balanced nutrient profile. Kelp extract or seaweed fertilizer contains trace minerals and growth hormones that promote overall plant vigor. These organic options work more gently on plants and generally don't cause fertilizer burn when used as directed. However, they may have stronger odors than synthetic fertilizers, which matters if your money tree lives in a bedroom or shared living space.

During fall and winter dormancy, reduce fertilizing frequency or stop entirely. Many gardeners apply fertilizer only once in fall,