Money Tree
Pachira Aquatica
Pachira aquatica, commonly known as the Money Tree, is a popular houseplant celebrated for its attractive braided trunk and lush green leaves. Native to Central and South America, this resilient plant is believed to bring good luck and prosperity, making it a favorite among plant enthusiasts.
Everything it needs
9 essentials at a glance
Watering
Pachira aquatica prefers to be kept consistently moist but not soggy.
Water when the top 1-2 inches of soil feel dry, typically every 1-2 weeks. In the growing season (spring and summer), increase watering frequency. Signs of over-watering include yellowing leaves and root rot, while under-watering may cause leaf drop and browning edges.
Light
This plant thrives in bright, indirect light but can tolerate low light conditions.
Ideally, it should receive 6-8 hours of filtered sunlight daily. Avoid direct sunlight as it can scorch the leaves. A spot near a window with sheer curtains is perfect.
Soil
Pachira aquatica prefers a well-draining potting mix with a pH range of 6.0 to 7.5.
A mix of peat, perlite, and pine bark is recommended to ensure good drainage. Ensure the pot has drainage holes to prevent water accumulation.
Humidity
This plant enjoys moderate to high humidity levels, ideally between 40-60%.
To increase humidity, mist the leaves regularly, use a pebble tray with water, or place a humidifier nearby. Signs of low humidity include leaf curling and brown tips.
Temperature
Pachira aquatica thrives in temperatures between 65-80°F (18-27°C).
It is not frost-tolerant and should be kept above 50°F (10°C). It can be grown outdoors in USDA hardiness zones 10-12, but should be brought indoors during colder months.
Fertilizing
Use a balanced liquid fertilizer with an NPK ratio of 20-20-20 every 4-6 weeks during the growing season.
Reduce feeding in fall and winter when growth slows. Signs of nutrient deficiency include yellowing leaves and stunted growth.
Pruning
Prune Pachira aquatica in spring to maintain its shape and encourage bushier growth.
Use clean, sharp pruning shears to remove any dead or damaged leaves and to shape the plant. Deadheading is not necessary, as this plant does not produce flowers indoors.
Repotting
Repot every 2-3 years or when the plant becomes root-bound, indicated by roots growing out of the drainage holes.
Choose a pot 1-2 inches larger in diameter. Carefully remove the plant from its pot, trim any damaged roots, and place it in fresh potting mix. Water thoroughly after repotting.
Propagation
Propagation can be done through stem cuttings or seeds.
For stem cuttings, take a 6-inch cutting from a healthy plant, remove the lower leaves, and place it in water or moist soil. Roots should develop in 4-6 weeks. For seeds, soak them in water for 24 hours before planting in a moist potting mix. Best timing is in spring.
When it's unhappy
Yellow leaves
Why it happens
Over-watering or poor drainage.
How to fix it
Allow the soil to dry out before watering again and ensure the pot has proper drainage.
Leaf drop
Why it happens
Under-watering or sudden temperature changes.
How to fix it
Check soil moisture and adjust watering frequency, and avoid placing the plant in drafty areas.
Brown leaf tips
Why it happens
Low humidity or over-fertilization.
How to fix it
Increase humidity levels and reduce fertilizer application.
Stunted growth
Why it happens
Nutrient deficiency or root-bound conditions.
How to fix it
Fertilize regularly and repot if necessary.
Pests (e.g., spider mites, aphids)
Why it happens
Dry air or overcrowded conditions.
How to fix it
Increase humidity, isolate affected plants, and treat with insecticidal soap or neem oil.
Care through the year
Spring
In spring, increase watering frequency as the plant actively grows. Fertilize every 4-6 weeks and consider repotting if root-bound.
Summer
During summer, ensure the plant receives bright, indirect light and maintain humidity levels. Water regularly, allowing the top soil to dry out between waterings.
Fall
In fall, gradually reduce watering as growth slows down. Continue to monitor humidity and adjust as needed, and stop fertilizing.
Winter
In winter, keep the plant in a warm location away from drafts. Water less frequently, allowing the soil to dry out more between waterings.
Toxicity & Safety
Pachira aquatica is considered non-toxic to pets (cats and dogs) and children. However, ingestion of large quantities may cause mild gastrointestinal upset.
Good to know
Why are my Money Tree leaves turning yellow?
Yellow leaves on a Money Tree often indicate over-watering or poor drainage. Check the soil moisture and ensure the pot has drainage holes.
How often should I water my Pachira aquatica?
Water your Pachira aquatica when the top 1-2 inches of soil feel dry, typically every 1-2 weeks, adjusting frequency during the growing season.
What light conditions are best for a Money Tree?
Pachira aquatica thrives in bright, indirect light but can tolerate low light. Aim for 6-8 hours of filtered sunlight daily for optimal growth.
How can I increase humidity for my Money Tree?
Increase humidity by misting the leaves, using a pebble tray with water, or placing a humidifier nearby to maintain a comfortable environment.
When is the best time to repot my Money Tree?
Repot your Pachira aquatica every 2-3 years or when it becomes root-bound, ideally in spring when the plant is actively growing.
Is Pachira aquatica toxic to pets?
No, Pachira aquatica is non-toxic to both cats and dogs, making it a safe choice for homes with pets.
How do I propagate my Money Tree?
You can propagate Pachira aquatica through stem cuttings or seeds. For cuttings, take a healthy 6-inch stem, place it in water or soil, and wait for roots to develop.
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