Money Tree Plant (Pachira Aquatica): Care, Types, Pictures and More

Money tree is the common name for Pachira aquatica, a species of tree. The money tree, according to Chinese Feng Shui, is a lucky houseplant that brings wealth and prosperity. The top of its braided or twisted trunk is covered with glossy green leaves of this money plant. Money trees are popular indoor bonsai plants because of their reputation for bringing riches and being simple to maintain and look after.

How to care for Pachira Aquatica: Plant the money tree in well-draining potting soil and give it bright indirect light to thrive. Only water when the topsoil is completely dry, and maintain high humidity levels. Between 53°F and 77°F (12°C – 25°C) is the optimum temperature range. Every spring and fall, fertilize twice.

The tropical tree Pachira aquatica (money tree) belongs to the Malvaceae family of plants. Money trees are connected to hibiscus, cotton, and cacao plants, which is why. Malabar chestnut, Provision tree, Guiana chestnut, and French Peanut are all other names for this kind of money tree.

Malabar chestnuts (Pachira aquatica) grow to be 60 feet (18 meters) high in the wild. It is often cultivated as a bonsai tree, with careful attention and trimming, in order to control its height and development. Money trees have spectacular flowers when cultivated outdoors. Money trees rarely if ever bloom indoors as a houseplant. Indoor money trees usually reach a height of 1 to 6 feet (0.3 to 1.8 meters) indoors.

Pachira aquatica, in the wild, is shown on the left. Bonsai money trees, such as Pachira aquatica, can be used as a desk plant or shelf filler and are popular indoor bonsai trees. The huge green leaves that resemble a lance tip (lanceolate) are one of the distinguishing features of money trees.

Each stem produces 5 or 6 palmate-shaped leaves, with one lucky specimen producing 7 leaves. The top of the money tree gets a bushy appearance by braiding 5 to 8 stems together.

Types of Money Plants With Their Picture and Common Name

Crassula ovata (jade plant or money plant) has a tree-like appearance to the left. Twisted / braided trunk of Pachira Aquatica (money tree plant). According to Feng Shui, the money tree (Pachira aquatica) is one of the two lucky plants.

Twisting the money tree branches helps to produce good energy and boost financial success, according to Chinese Feng Shui practitioners. Money plants are said to prefer doors to attract wealth or locations where financial activity is done, such as banks.

The Jade Plant, Crassula ovata, is another Feng Shui money plant that is said to improve financial luck. The money tree, a kind of succulent, is also known as this lucky plant. The coin-shaped leaves of the jade plant, as well as its robust woody stems and shrub-like appearance, are all characteristic of wealth.

Money Tree Bonsai

Pachira aquatica (money tree) is mostly cultivated indoors as a bonsai tree with a braided trunk. The money tree plant’s ornamental look is complemented by its twisted or braided trunk. To encourage luck, wealth, and property, these dwarf indoor money trees are often given as gifts.

These bonsai trees can be placed in any location where they receive enough sunlight because of their tiny stature. Learn how to make little bonsai trees by studying the art of braiding money trees.

How to Care for a Money Tree (Pachira Aquatica)

To grow your money tree and thrive, you don’t need to rely on luck. Your money tree may flourish for years if you take care and attention to it. Their rich green foliage adds beauty and grace to any room, even if they have a large money tree. Now, let’s examine how to take care of a money tree in further depth.

How to water a money tree (Pachira Aquatica)

Water your money tree on a regular basis to avoid overwatering and ensure well-draining soil. Well-draining soil is the optimum kind of soil since it allows excess moisture to seep away from the bottom. When roughly 1″ (2.5 cm) of the topsoil is completely dry, it’s time to water your money tree. Pour rainwater or filtered water into the soil until it drains out the bottom of the pot when it’s time to water your money tree. Before watering again, leave it to dry out.

Misting your money tree on a regular basis may help to support healthy development since it needs a lot of humidity. You might also shower your money tree every now and then. This may allow for adequate moisture, leaf dust removal, and thorough watering of the soil.

Only water your money tree every now and then during the winter when the soil appears and feels particularly parched. If the leaves start to fall off, that is one of the indicators that you are watering your money tree plant too much. Wait until the top part of the soil is completely dry before watering again.

Light requirements of Pachira Aquatica

A money tree ((Pachira Aquatica) grows well indoors and can be placed in a bright location in indirect light. In your home, the best spot for your money tree is one that receives some shade or indirect sunlight. Every now and then, you should also rotate the plant to ensure even growth. Money trees are also tolerant of low lighting and thrives in artificial light.

Suppose you want to retain your sunlight-loving money tree. Introduce it gradually. This will help the tree acclimate and avoid leaf scorch.

Temperature and humidity

Money trees thrive in room temperature and high humidity as an easy-to-care-for houseplant. Between 53°F and 77°F (12°C – 25°C) is the optimum temperature for your “good fortune” tree to thrive. You may grow your money tree outside if you reside in USDA zones 10 and 11.

These lucky trees are sometimes placed at the front door by certain Feng Shui practitioners to welcome fortune into the residence. It is not suggested to plant a money tree even if it can tolerate temperatures as low as 41°F (5°C). It might be a indication of chilly temperatures if the plant starts to drop its leaves, and it should be maintained above 77°F (12°C). When the weather improves in the spring, growth should return.


You only need to use bonsai fertilizer on your Chinese money tree houseplant occasionally to keep it healthy. To help the money tree grow properly, it only needs to be fertilized twice per year (in the spring and fall).


When your money tree begins to actively develop in the spring, you may need to repot it every two or three years. Money tree pots should have drainage holes in the bottom and be about 2 inches (5 cm) bigger than the existing pot size. Quick-draining soil is the ideal type of soil for your “Good Luck” tree. The ideal soil is usually sandy peat-moss. It’s critical to make sure the roots of your money tree aren’t soggy when growing it in a pot.

Money tree plant pruning

To form the lush foliage or regulate the height of the money tree plant, prune it. Every spring, cut back your Chinese money tree to guarantee that it will flourish. Next, cut off branches that have grown too much foliage or are dead. Branches that have grown excessively near the top and sides may also be pruned away. Cut around 1 inch (2.5 cm) above the tree’s “V” shape branches as a general rule of thumb.

How to Propagate a Money Tree

Pachira aquatica (money tree) seeds may be propagated in two ways. Cutting stem branches and planting money tree seeds are two different approaches. In the summer, spread your money tree with stems.

Take a stem with 2 or 3 leaf nodes and cut off a 6-inch (15-cm) piece of it. Pour a little rooting hormone into a little bottle and dip the tip of the stem into it. A sterile rooting mix such as peat moss and sand should be used in the container.

To increase humidity and maintain the rooting mixture moist, cover with a plastic bag. The seeds of a money tree are the most foolproof method to propagate it. Soak the seeds in 0.4 inch (1 cm) of plant-based substrate for the first step.

Soak the ground lightly, then put it in a warm, sunny spot. When the money tree seedlings are big enough, repot them. Discover how to braid a money tree that you cultivate from seeds or stems at the conclusion of the article.

Money Tree Plant Problems

There are certain issues that may plague these “good luck” house plants, despite your best efforts in caring for a money tree.

Money plant diseases

If the soil is too wet or doesn’t drain properly, root rot may affect money plants. Repot and cut off any dead roots if you notice mold or the tree is losing its vibrancy. Leaves can turn yellow or fall off due to overwatering. Your money plant is receiving too much sunlight if it has yellow leaves. If this is the case, move the plant to a well-lit location but away from direct sunlight.

Money plant pests

Mealybugs, spider mites, and scale insects can also affect money plants such as Crassula ovata and Pachira aquatica. Spraying the plant to wash off the aphids from the leaves is one way to control them. alternatively, you may try natural insecticide neem oil.

Spider mites cause the underside of the leaves to have little spider-like webs. Remove them by scrubbing the plants clean and increasing humidity. Scale insects may cause a sticky film on the leaves and brown bumps. These should be removed using a mixture of rubbing alcohol, soap, and water.

Money Tree Plant – Frequently Asked Questions

How else can you keep an eye on your money tree? The following are some of the most common money tree care questions.

Why are leaves falling off my money tree?

It’s usually a indication of watering problems or too much direct sunlight if your money plant is losing leaves. First, check the soil to see if it is sufficiently moist or dry. Move the plant to a brighter area if that isn’t the issue. When they are treated in the proper environment, money tree leaves usually regrow quickly.

Does a money tree plant braid itself?

Money plants have stems that are simple to twist but not to braid. To boost the ornamental value of landscaping or as a houseplant, growers braid young flexible trunks. If you want to bring wealth and success into your life, a braided money tree is another important Feng Shui plant.

How to braid a money tree?

Money trees with between 2 and 8 stems are commonly sold by garden centers. You may also twist the stems of your own money trees if you grow them yourself. Wait until the young stems are at least 14″ (35 cm) tall before braiding if you want to create an auspicious plant for your home. To make a French plait, gently twist the stems together.

When you reach a few inches below the stem’s leafy section, stop. Tie the braided stems with string so that they are secure. Place stalks on either side of your ornamental braided tree and tie them together with string for extra support. The braided stem of the Pachira aquatica should be sturdy enough to support itself after a few months.

Where is the best place to place a money tree?

In bright parts of your home, with no direct sunlight and bright natural light, money trees thrive best. It’s also vital to maintain a constant and draft-free temperature in your money tree room. Money trees should be placed in “money areas” of the home or business, according to Feng Shui principles.

To promote the most growth, this should be in the southeast quadrant. Money trees are placed in the east side of homes by Feng Shui adherents to invite good health.

Are money trees poisonous?

To bring good luck to homes, money trees are kept indoors. Thankfully, money trees aren’t poisonous to humans. The nuts are roasted and have a flavor similar to chestnuts in tropical countries where Pachira aquatica trees grow outdoors. The money tree (Pachira aquatica) is not poisonous to pets, unlike other jade plants. Cats, on the other hand, may experience stomach discomfort if they eat the green leaves, according to certain reports.

Can I grow my money tree outside?

It is possible to do so. Money trees can be grown in pots by your front door or on patios if you live in USDA zones 9b to 11. You may also put one in your garden, under partial shade and in a drained area.

Why is my money tree-top heavy?

This is often the case with tall stems and a lot of leafy foliage. Make your money tree more secure by trimming back some of the branches.

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