How To Plant Money Tree [ Full Guide ]

Money trees, also known as Pachira aquatica, are not only great additions to your home decor, but they are also believed to bring good luck and prosperity. These plants, native to Central and South America, have become popular indoor plants due to their braided trunks and attractive foliage. If you are interested in adding a money tree to your indoor space, it’s important to understand the proper steps for planting and caring for these unique plants. In this comprehensive guide, we will cover everything you need to know about how to plant a money tree successfully.

Quick Answer: How To Plant Money Tree

To quickly summarize the process of planting a money tree, follow these steps:

  1. Select the right money tree variety – Choose between the standard money tree or the variegated money tree based on your preference.
  2. Choose the perfect pot – Select a well-draining pot that is slightly larger than the root ball of the money tree.
  3. Plant the money tree indoors – Ensure the indoor environment provides adequate sunlight and warmth for the plant.
  4. Choose the right soil – Use a well-draining, nutrient-rich potting mix for optimal growth.
  5. Water and care for the money tree – Water regularly and provide appropriate care based on the specific needs of the money tree variety.

By following these steps, you can successfully plant and nurture a healthy money tree that will thrive and bring beauty to your indoor space.

Selecting The Right Money Tree Variety

The first step in planting a money tree is selecting the right variety. The two most common varieties of money trees are the standard money tree and the variegated money tree. The standard money tree has a traditional green color on its leaves, while the variegated money tree has leaves with a mix of green and white or yellow colors. When choosing between these varieties, consider the aesthetic you want to achieve in your indoor space. The variegated variety often adds a unique and eye-catching element to your plant collection, while the standard variety offers a classic look.

Another factor to consider is the size of the money tree. Money trees can range in height from a few feet to several feet tall. Consider the space you have available in your home and choose a size that fits well within the designated area. Whether you prefer a smaller or larger money tree, both varieties can thrive indoors when properly cared for.

Choosing The Perfect Pot

Selecting the right pot for your money tree is crucial for its overall health and growth. When choosing a pot, consider the following factors:

  1. Size: The pot should be slightly larger than the root ball of the money tree, allowing room for the roots to expand as the plant grows. However, a pot that is too large can lead to overwatering and potential root rot, so choose a pot that provides ample space for growth without being excessively large.

  2. Drainage: Ensure that the pot has drainage holes at the bottom to allow excess water to escape. Proper drainage is essential for preventing waterlogged soil, which can lead to root rot and other issues.

  3. Material: Select a pot made of breathable material such as terracotta or breathable plastic. This allows for airflow to the roots and helps prevent waterlogging.

  4. Aesthetics: Consider the visual appeal of the pot and how it complements the overall design of your indoor space. The pot should enhance the beauty of the money tree and blend well with your home decor.

By taking these factors into consideration, you can choose a pot that provides the ideal environment for your money tree to thrive.

Planting Money Trees Indoors

Money trees are well-suited for indoor environments, making them popular choices for home and office settings. When planting a money tree indoors, consider the following tips to ensure its successful growth:

  1. Placement: Choose a location with bright, indirect sunlight for your money tree. Avoid placing it in direct sunlight, as this can lead to leaf scorching. If your indoor space lacks natural light, consider supplemental plant lighting to provide the necessary light for optimal growth.

  2. Temperature: Money trees thrive in warm, humid conditions. Maintain a room temperature between 65-75°F (18-24°C) for the best growth. Avoid exposing the plant to cold drafts or dramatic temperature fluctuations.

  3. Air Circulation: Ensure adequate air circulation around the plant to prevent stagnant air, which can lead to pest infestations and fungal issues.

  4. Avoiding Temperature Extremes: Money trees are sensitive to extreme temperatures. Keep the plant away from air conditioning or heating vents that can create drafts and expose the plant to sudden temperature changes.

By providing the right environment indoors, you can create an ideal growing space for your money tree to flourish.

Choosing The Right Soil

Selecting the appropriate soil is essential for the health and growth of your money tree. When planting a money tree, use a well-draining potting mix that provides the following properties:

  1. Aeration: The soil should promote good airflow to the roots, helping to prevent waterlogging and allowing oxygen to reach the root system.

  2. Moisture Retention: While the soil should drain well, it should also retain enough moisture to keep the roots adequately hydrated between watering.

  3. Nutrient-Rich: Choose a potting mix that is enriched with nutrients to support the plant’s growth. Look for a mix formulated for tropical plants or create a custom blend using components such as peat moss, perlite, and well-rotted compost.

  4. pH Level: The pH of the soil should be slightly acidic to neutral, ideally within the range of 6.0-7.0, which is optimal for the growth of money trees.

When repotting a money tree or planting it for the first time, ensure that the soil in the pot provides these essential qualities, creating a conducive environment for the plant to thrive.

By following the steps outlined in this guide, you can successfully plant a money tree indoors and nurture it to ensure healthy growth. Understanding the different varieties of money trees, selecting the right pot, providing the ideal indoor environment, and choosing the appropriate soil are all essential aspects of planting and caring for these unique plants. With the proper care and attention, your money tree can become a stunning addition to your indoor space, bringing beauty and a touch of nature into your home. Whether you are a seasoned plant enthusiast or a beginner in the world of indoor gardening, the process of planting and caring for a money tree can be a rewarding and fulfilling experience.

Providing Proper Watering And Drainage

The Money Tree (Pachira aquatica) is a popular houseplant known for its braided trunks and attractive foliage. It is not only aesthetically pleasing but is also believed to bring luck and wealth to its owners, making it a sought-after addition to homes and offices.

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One of the most important aspects of growing a healthy Money Tree is providing it with proper watering and drainage. Here are some tips to ensure your plant gets the right amount of water:

  1. Watering frequency: Money Trees prefer slightly moist soil, but it is important not to overwater them. As a general rule, water your Money Tree when the top inch of soil feels dry to the touch. This usually translates to watering every 7-10 days, but frequency can vary depending on factors such as room temperature, humidity, and pot size.

  2. Watering method: When watering your Money Tree, it is best to water it thoroughly until water flows out of the drainage holes at the bottom of the pot. This ensures that water reaches the root system and prevents the plant from sitting in excess water, which can lead to root rot.

  3. Drainage: It is crucial to provide proper drainage for your Money Tree. Make sure your pot has drainage holes, allowing excess water to escape. If your pot does not have drainage holes, you can add a layer of gravel or clay pebbles at the bottom to improve drainage.

  4. Rainwater and filtered water: Money Trees are sensitive to chemicals like chlorine found in tap water. It is best to use rainwater or filtered water to avoid potential damage to the plant. If tap water is your only option, let it sit out overnight to allow chlorine to dissipate before using it to water your plant.

Positioning Money Trees For Optimal Growth

In order for your Money Tree to thrive, it is essential to position it in the right location. Consider the following factors when determining the ideal spot for your plant:

  1. Light requirements: Money Trees thrive in bright, indirect light. They can tolerate some shade, but too little light can lead to leggy growth and leaf drop. Place your Money Tree near a north or east-facing window where it can receive bright, filtered light throughout the day. Avoid placing it in direct sunlight, as this can scorch the leaves.

  2. Temperature: Money Trees prefer temperatures between 60-75°F (15-24°C). Avoid exposing them to drafts or temperature extremes, such as being near air conditioning vents or heating sources. Sudden temperature changes can cause stress and damage to the plant.

  3. Humidity: While Money Trees can adapt to average room humidity, they appreciate higher humidity levels. If the air in your home is dry, especially during winter months or in areas with low humidity, you can increase humidity around the plant by misting it with water or placing a tray of water near the plant. This will help prevent the plant from drying out.

  4. Rotation: Rotate your Money Tree every few months to ensure even growth. This will prevent the plant from leaning towards the light and encourage uniform development of foliage.

Nutrient Requirements For Money Trees

Providing the right nutrients is vital for the healthy growth of Money Trees. Here’s how you can ensure your plant receives the necessary nourishment:

  1. Choosing the right soil: Money Trees thrive in well-draining soil that doesn’t hold excessive moisture. A good potting mix for Money Trees consists of equal parts peat moss, perlite, and loam or a commercial potting mix formulated for indoor plants. Avoid using heavy garden soil, as it can retain too much moisture and lead to root rot.

  2. Fertilizing: Money Trees benefit from regular fertilization during the growing season, typically spring and summer. Use a balanced, water-soluble fertilizer with an N-P-K ratio of 10-10-10 or 20-20-20, diluted to half the recommended strength. Apply the fertilizer every 1-2 months.

  3. Pruning: Pruning is not only a maintenance measure but also helps promote healthy growth. Remove any dead, yellowing, or damaged leaves by cutting them off at the base. Prune any overcrowded areas to maintain a balanced and desirable shape.

  4. Propagation: Money Trees can be propagated by taking stem cuttings. Choose a healthy stem and cut a 6-8 inch (15-20 cm) piece just below a node. Remove the lower leaves and plant the cutting in a well-draining potting mix. Keep the soil slightly moist and provide bright, indirect light. Within a few weeks, roots should develop, and you can transplant it into a larger pot.

Pruning And Maintenance

Proper pruning and maintenance play a crucial role in keeping your Money Tree healthy and visually appealing. Here are some tips to guide you in this process:

  1. Regular inspection: Periodically inspect your Money Tree for any signs of pests or diseases. Pay special attention to the undersides of leaves and along leaf joints, as this is where pests often hide. Common pests that can affect Money Trees include aphids, spider mites, and scale insects. If you notice any pests, treat the plant with an appropriate insecticide or use natural remedies like neem oil or insecticidal soap.

  2. Controlling size: Money Trees can grow quite large if left unpruned. If you wish to control the size of your plant, you can prune the top portion of the stem to encourage lateral growth and branching. Regularly trimming the tips of branches will also help maintain a more compact and bushy shape.

  3. Supporting braided trunks: If your Money Tree has a braided trunk, it is important to support it properly. As the plant grows, the braided trunks can become top-heavy and may need additional support. Use stakes or ties to secure the braided trunks as necessary.

  4. Transplanting: Money Trees generally require repotting every 2-3 years or when the plant becomes root-bound. Look for signs such as roots growing out of the drainage holes or the plant becoming top-heavy. When transplanting, choose a pot that is one size larger than the current one and use fresh potting mix. Gently loosen the roots during transplanting to encourage healthy growth.

Growing a Money Tree can be a rewarding experience with the right care and attention. By following the tips provided in this guide, you can ensure your Money Tree thrives and brings beauty and potentially even luck and wealth to your home or office. Remember to provide proper watering and drainage, position your plant for optimal growth, meet its nutrient requirements, and perform regular pruning and maintenance. With time, your Money Tree will become a stunning addition to your indoor space.

Selecting A Suitable Location

The money tree (Pachira aquatica) is a popular indoor plant known for its braided trunk and lush, green leaves. Not only is it aesthetically pleasing, but it also has symbolism attached to it, making it a favorite among those seeking good fortune and prosperity. While the money tree is relatively low-maintenance, knowing the proper techniques for planting and caring for it can ensure that it thrives in your home or garden.

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Before planting your money tree, it’s essential to consider its ideal growing conditions. Money trees thrive in locations that receive bright, indirect sunlight. Direct sunlight can scorch their leaves, so it’s best to place them near a north or east-facing window. If your home doesn’t receive ample natural light, you can also use fluorescent lights to provide artificial lighting.

It’s crucial to ensure that the temperature around the money tree remains consistent. Money trees prefer temperatures between 65°F and 75°F (18°C and 24°C) but can tolerate slightly cooler or warmer conditions. Avoid exposing them to drafts, such as those caused by air conditioning units or open windows.

Choosing The Right Container

Selecting the right container is vital for the successful growth of your money tree. Choose a container that has drainage holes to prevent water from stagnating around the roots. Make sure the pot is slightly larger than the root ball of your plant, as this will allow room for future growth.

Consider using a plastic, terracotta, or ceramic pot for your money tree. Terracotta pots are breathable and allow for better airflow to the roots, while plastic pots will help retain moisture for longer periods. Ceramic pots are a popular choice due to their aesthetic appeal, but they can be heavy and require careful handling.

Soil Requirements

The right soil type is crucial for the healthy growth of your money tree. Use a well-draining, rich potting mix that retains some moisture but does not become waterlogged. A combination of peat moss, perlite, and regular potting soil is an excellent choice. This mix allows for good drainage while retaining enough moisture to keep the money tree hydrated.

Avoid using heavy garden soil or compost, as they can lead to compaction and drainage issues. Additionally, make sure the soil is slightly acidic, with a pH level between 5.5 and 6.5. You can test the soil pH using a simple soil testing kit available at garden centers.

Proper Planting Technique

Once you have selected the right location, container, and soil, it’s time to plant your money tree. Follow these steps for proper planting:

  1. Start by filling the container partially with the potting mix, leaving enough space to accommodate the root ball of the money tree.
  2. Carefully remove the money tree from its nursery pot, taking care not to damage the roots.
  3. Loosen the roots gently with your fingers and place the money tree in the new container.
  4. Ensure that the top of the root ball is level with or slightly below the rim of the container, to allow for watering without causing runoff.
  5. Fill in the gaps around the roots with the potting mix, gently pressing it down to eliminate any air pockets.
  6. Water the plant thoroughly until water drains out of the bottom of the container. This helps settle the soil around the roots.
  7. Place the newly planted money tree in its designated location, ensuring it receives the right amount of light and temperature.

Watering And Fertilizing

Proper watering is essential to maintain the health of your money tree. Overwatering or underwatering can lead to root rot or dehydration, respectively. Check the moisture level of the soil by inserting your finger about an inch into the soil. Water the plant only when the top inch of soil feels dry to the touch.

When watering, thoroughly saturate the soil until water drains out of the drainage holes. Avoid allowing the plant to sit in standing water, as this can lead to root rot. In general, water your money tree every 7 to 10 days, adjusting the frequency based on the humidity levels in your home.

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Fertilizing your money tree is necessary to provide it with essential nutrients for growth. Use a balanced, water-soluble fertilizer formulated for indoor plants. Dilute the fertilizer to half the recommended strength and apply it every two weeks during the growing season (spring and summer). Reduce the frequency to once a month during the dormant period (fall and winter).

Dealing With Pests And Diseases

Like any plant, money trees are susceptible to pests and diseases. Some common pests that may affect your money tree include spider mites, mealybugs, and scale insects. Monitor your plant regularly for signs of infestation, such as discolored or speckled leaves, sticky residue, or small crawlers on the plant’s surface.

If you notice any signs of pests, isolate the affected plant from other plants to prevent the infestation from spreading. Consider using natural remedies like insecticidal soaps or neem oil to control and eliminate pests. Always follow the instructions on the product label carefully.

Fungal infections and root rot can occur if the money tree is overwatered or placed in consistently damp conditions. To prevent this, ensure proper drainage by using a well-draining soil mix and a suitable container. Remove any affected leaves or branches, and allow the plant to dry out between watering.

Repotting Money Trees

As your money tree grows, it may outgrow its container and require repotting. Here are the steps to repot your money tree successfully:

  1. Choose a new container that is one size larger than the current one. Ensure it has drainage holes.
  2. Gently remove the money tree from its current pot, taking care not to damage the roots.
  3. Loosen the roots and remove any excess soil.
  4. Place a layer of fresh potting mix in the bottom of the new container.
  5. Position the money tree in the center of the container and fill in the gaps with more potting mix.
  6. Firmly press the soil around the roots to eliminate any air pockets.
  7. Water the plant thoroughly and place it in its designated location.

Repotting is typically done every two to three years or when the roots start to become bound and visible on the surface of the soil.

Training And Shaping Money Trees

Money trees can be trained and shaped to create desired forms, such as braided or twisted trunks. To train your money tree:

  1. Select a young plant with flexible stems that can be easily manipulated.
  2. Gently bend the stems in the desired direction, taking care not to break or damage them.
  3. Use a soft, flexible tie, such as a plant tie or twine, to secure the stems together.
  4. Regularly check the ties to ensure they are not causing any damage or restricting growth.
  5. Prune any unwanted branches or shoots to maintain the desired shape and form.

Remember to be patient when training your money tree, as it can take time for the branches to set in the desired position.

Harvesting Money From Money Trees

While money trees don’t actually produce money, harvesting is still an important part of their care. Removing dead or dying leaves, as well as any damaged or diseased branches, helps keep the plant healthy and prevents the spread of pests or diseases.

When pruning your money tree, use clean, sharp pruning shears to make clean cuts. Cut just above a leaf node or branch junction to encourage new growth. Avoid cutting back more than one-third of the plant at a time to prevent stress or shock.


Planting and caring for a money tree can bring beauty and good fortune to your home. By following the proper techniques for planting, watering, fertilizing, and training, you can ensure that your money tree thrives. Regular monitoring and prompt action against pests and diseases will help to keep your money tree healthy and vibrant. With the right care and attention, your money tree can become a long-lasting and cherished addition to your home or garden.


What Type Of Soil Is Best For Planting A Money Tree?

A well-draining soil mixture with high organic matter content is ideal for planting a money tree. You can create your own mixture by combining equal parts of potting soil, peat moss, and compost.

How Often Should A Money Tree Be Watered?

Money trees should be watered thoroughly whenever the top inch of soil feels dry to the touch. This is typically once a week, but may vary depending on the climate and humidity levels.

Can A Money Tree Be Grown Indoors?

Yes, money trees can be grown indoors as long as they receive adequate sunlight and are protected from drafts and extreme temperatures.

How Tall Can A Money Tree Grow?

In ideal conditions, a money tree can grow up to 6 feet tall. However, they can also be pruned to maintain a smaller size.

How Long Does It Take For A Money Tree To Start Producing Leaves?

It can take a few weeks for a planted money tree to start producing new leaves. Patience is key, as it may take several months before significant growth is visible. Proper care and regular fertilizing can also help encourage leaf production.