How to Grow Money Tree
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Money Tree
Pachira aquatica
treeThe Money Tree is a tropical houseplant native to Central and South America, known for its distinctive braided trunk and glossy, hand-shaped leaves. It's a popular ornamental plant believed to bring good fortune and prosperity in feng shui traditions. This tree can grow indoors as a potted plant or outdoors in warm climates.
When should you plant Money Tree in your zone?
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Example Money Tree timeline · Pittsburgh, PA (Zone 6b)
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Plant Money Tree
Around Apr 17Near Pittsburgh's average last spring frost.
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Tend & protect
Late spring–summerWatering, feeding, and pest-watch reminders.
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Harvest Money Tree
Late summer into fallBefore the first fall frost (≈ Nov 8)
Sample dates for Pittsburgh, PA. Sign up to get exact Money Tree dates for your own zip code.
Growing Conditions
Soil
Growing Zones
Find your zone →Thrives in zones 10b-12b; best kept indoors in cooler climates
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Get my Money Tree timeline →Growth Stages
Young Seedling
4-8 weeks before first true leavesSmall plant with thin stem and 3-5 leaflets emerging; typically purchased as a young potted plant rather than grown from seed
Provide warm temperatures (65-75°F), high humidity, and consistent moisture. Use a small container with excellent drainage. Protect from direct sun.
Establishment
2-3 monthsPlant develops stronger stem growth and more compound leaves; height increases gradually
Maintain warm, humid conditions. Begin light fertilizing (diluted) every 2-4 weeks during growing season. Support with stake if needed. Can begin braiding if multiple stems present.
Vegetative Growth
Ongoing, several months to yearsMature foliage develops with 5-7 leaflets per leaf; trunk thickens and may show characteristic bark texture
Fertilize monthly with balanced fertilizer during spring and summer. Rotate pot quarterly for even growth. Prune to maintain shape and encourage bushiness. Repot every 2-3 years.
Flowering (Mature Plants)
Flowers last 1-2 weeks when presentRare indoors; flowers are pale yellow, cream, or red pompom-like clusters that may appear in spring/summer
Maintain excellent light, consistent temperatures, and humidity. Proper maturity (3+ years) and conditions encourage blooming. Don't expect flowers in most indoor settings.
Maintenance & Longevity
IndefiniteWell-established tree can live 10+ years indoors; becomes fuller and more robust with proper care
Wipe leaves monthly with soft damp cloth. Monitor for pests. Prune dead or yellowing leaves. Reduce watering and fertilizing in winter months.
Companion Planting
Plan your garden →Plant with:
Avoid planting near:
Common Pests
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Increase humidity, mist foliage regularly, spray with insecticidal soap, isolate affected plants
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Remove with cotton swab dipped in rubbing alcohol, spray with neem oil, improve air circulation
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Manually remove with small brush, apply horticultural oil, treat with insecticidal soap weekly
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Repot with fresh soil, remove affected roots, reduce watering frequency, improve drainage
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Remove infected leaves, improve air circulation, avoid wetting foliage, apply fungicide if severe
Uses
Air Purification
HouseholdMoney Trees help remove carbon dioxide and other air pollutants, contributing to better indoor air quality. They release oxygen during photosynthesis, making them beneficial additions to living spaces. [source]
Feng Shui & Décor
CraftIn feng shui tradition, the Money Tree is believed to attract wealth, prosperity, and good fortune when placed in the wealth corner of a home or business. Its attractive form and braided trunk make it a striking decorative element. [source]
Low-Maintenance Houseplant
HouseholdMoney Trees are forgiving plants that tolerate a range of indoor conditions, making them ideal for beginners and busy plant parents. They require minimal pruning and can go several days without watering. [source]
Traditional Medicine Uses
MedicinalIn traditional Chinese medicine, various parts of Pachira aquatica are used to support digestive health and reduce inflammation. The plant is also used in traditional Amazonian medicine practices. [source]
Pollinator-Friendly
WildlifeWhen Money Trees flower (rare indoors), their distinctive blooms attract pollinators like bees and hummingbirds in outdoor or tropical settings. The flowers provide nectar and pollen. [source]
This is not medical advice. LizPlants is not a medical resource. Always consult a qualified healthcare professional before using plants medicinally.
Harvest Tips
Not a harvest plant in the traditional sense. Remove yellowing or diseased leaves throughout the year. Prune to control size and shape in spring. Propagate from stem cuttings (4-6 inches) placed in water or moist soil, which root in 2-4 weeks.
Fun Facts
- 🌱 The braided trunk is a trademark look created by nurseries during growth—three young plants are grown together, allowed to touch, and then braided by hand to create the iconic appearance.
- 🌱 Money Trees are sometimes called 'Malabar Chestnuts' or 'Guiana chestnuts,' and in their native habitat, they can grow to 60+ feet tall in swamps and wetland areas.
- 🌱 The plant's association with money and luck originated in Taiwan in the 1980s and has become a popular feng shui staple, often received as gifts for housewarming and business opening celebrations.
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