How to care for a money tree plant inside

Money Tree Care - How to Grow a Lucky Money Tree Plant

If you think it's time to add a little extra life and greenery to your space, consider getting a money tree plant. Not only are do they have a statement-making appearance, but they're actually pretty easy to care for. Provide a money tree with the right amount of water, light, and humidity, and it's sure to thrive. Here's what you need to know about the popular houseplant, from the symbolism behind it to the nitty-gritty of keeping it alive and growing.

First Things First: Are Money Trees Lucky?

Money trees, aka pachira aquatica, are considered a symbol of luck and prosperity, but they haven't been for all that long. According to Bloomscape, this doesn't date back centuries, as you might expect, but rather to the 1980s. The braided money tree as we know it was actually first cultivated by a truck driver in Taiwan and quickly became popular in Japan and East Asia. It also became associated with the Chinese practice of Feng Shui.

The braided trunks are thought to "trap fortune within its folds," Bloomscape explains, while the five leaves seen on each stalk are thought to represent the five elements of earth, water, fire, wind, and metal. And if you just so happen to find a money tree plant featuring a stalk with seven leaves—a major rarity—it's considered to be even luckier.

Basic Money Tree Plant Care


According to ProFlowers, money tree plants like a mix of direct and indirect sunlight. As with most houseplants, too much direct sun can scorch the leaves. To achieve the right balance with your money tree, turn or rotate it regularly for more even light distribution. Just make sure to not move it all over the place so as to not disturb it too much. Another thing of note? Money trees can handle fluorescent lighting, so you're safe to keep one in your office as long as you take adequate care of it.

Miracle-Gro Indoor Potting Mix 6 qt., 2 Pack

Miracle-Gro Indoor Potting Mix 6 qt., 2 Pack

$13 at Amazon


It's important that you maintain nutrient-rich potting soil with good drainage, according to the experts at Miracle-Gro. To achieve this, you'll want to use a well-draining potting mix or add some sand and gravel for extra porousness.


The best way to keep a money tree plant happy? Give it a good watering every one to two weeks, allowing the soil to dry in between, according to The Sill. Of course, if your plant is getting more light, you'll also need to up its water intake so that it doesn't get too dried out. This is a plant that requires a lot of water but not all of the time.

Temperature and Humidity:

Money tree plants do best in warmer environments, so you'll want to keep them in an area that's between 65 and 75 degrees Fahrenheit. But, the good news is, money trees are also pretty flexible and forgiving. They can still handle temperatures that go 10 degrees below or above that ideal range. As far as humidity goes, money trees thrive with extra moisture, so make sure you mist your plant regularly. Bloomscape suggests putting your money tree plant on a pebble tray to increase humidity in the winter.

Socha//Getty Images

Braiding, Pruning, and More

While money tree plants don't have to be braided, most of the modern pachira aquaticas you'll find on the market are braided when you buy them. Braided money trees are actually multiple plants that have had their trunks woven together during growth while they're flexible. If you'd like to braid your plant, try as suggests: Weave the trunks together gently and loosely tie a string around the top to keep it together. As the tree grows, you can continue this process.

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Like most houseplants, money trees also require regular pruning. First, you'll want to keep an eye out for any dead, damaged, or dying leaves and snip those. The best way to do this is to use clean, sharp scissors or pruning shears (and make sure you wipe them off between cuts!) and clip them just past a node. You can also prune them to be a specific shape if you prefer. Money tree plants are traditionally round on top, but you can also let your plant do its own thing and just prune problematic parts to keep your plant thriving and encourage new growth. You can also prune your plant to keep it small if you'd like, as money tree plants can grow quite tall (according to, they can grow up to 60 feet in their natural habitat!).

Common Money Tree Problems

Since money tree plants require a lot of water all at once, they can be prone to root rot. Root rot, if you're unfamiliar, is when there's too much water in your plant that causes the roots to decay and die. When you're watering your plant, make sure you don't see extra water sitting in the saucer under the drainage holes. If you do, clear it out to avoid root rot. Your best bet is to use a pot that isn't too big (the bigger the pot, the more room it has to hold water) and has excellent drainage. Place it on a saucer that you can easily remove, and dump out when it fills with water.

Money tree plants can also attract pests like aphids and mealybugs, but not to worry—Epic Gardening suggests applying neem oil to the soil to repel any pests and removing aphids with water. All of these pests can cause major damage to your plant, so make sure you deal with them as soon as you see them to avoid loose, drooping, dying leaves.

Considering Buying a Money Tree?

Get started with one of these top online picks, or head to your local nursery.

Money Tree Plant With Two-Tone Pot

$83 at

Money Tree in Ceramic Pot

$40 at World Market

Credit: world market
Large Money Tree

Now 12% Off

$110 at 1-800-Flowers

Credit: 1800 flowers
American Plant Exchange Money Tree

Now 16% Off

$21 at Amazon

Costa Farms Medium Money Tree

$34 at Amazon

BLOOMSCAPE Mini Money Tree

$49 at Bloomscape

Wild Interiors Money Tree

$34 at Walmart

Money Tree With Ceramic Planter

$38 at

Credit: lively root

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Money Tree Care 101: This Plant Care Routine is Ideal for Newbie Plant Parents


Popularized by feng shui practitioners who believe it will bring positivity and good fortune, the money plant is a surprisingly hardy tropical tree that can withstand a certain amount of neglect. It demands only some light and fairly consistent watering, which makes it a good plant choice for inexperienced growers.

First used as a houseplant in Taiwan in the 1980s—in part because it’s believed to create positive chi, or energy, in the home—the money tree makes a statement with its distinctive look. Imparting a tropical vibe to almost any interior space, the money tree plant typically features five trunks braided together, topped by bright green palmlike leaves. Not every plant this attractive is so easy to grow.

Money tree care isn’t especially difficult because the plant is forgiving. That said, there are some conditions that they find deleterious to their health. Once you learn how to take care of a money tree, you’ll be rewarded with the good fortune of flourishing fresh greenery in your home. The key to growing a money tree indoors is to provide the right amount of light, water, and humidity.

Money Tree Care At a Glance

Common Name: Money tree
Scientific Name: Pachira aquatica
Soil: well-draining with neutral to acidic pH
Light: bright, indirect light
Water: deep, only when the top 2 to 4 inches of soil feels dry
Food: twice yearly with houseplant fertilizer at half the recommended strength
Temperature and Humidity: at least 50 percent humidity; prefers temperatures between 60 and 80 degrees
Propagation: stem cuttings in soil or water
Safety: nontoxic to pets and humans

Money Tree Plant Characteristics

Photo: istockphoto. com

In addition to its scientific name—Pachira aquatica—the money tree goes by many other names: Guana chestnut, Malabar chestnut, saba nut, Bombax glabrum, monguba, and French peanut.

In its native habitat in Mexico and Central and South America, where it grows in marshy wetlands and bats can pollinate it, the money tree produces yellowish-white flowers that evolve into large seedpods containing peanut-like nuts. Outdoors, this majestic tree can reach 60 feet, but indoors, expectations range from 6 to 8 feet, although it also can be trained to grow as a bonsai.


Even though the money tree is plenty attractive as a houseplant, most people buy it because of its feng shui connection, hoping for the positive energy and good luck it’s rumored to bring. That legend derives from the fact that it grows five shiny, star-shaped leaves on each stem—five being an important number in feng shui, since it represents the five elements: water, wood, fire, earth, and metal.

More recent beliefs hold that the money tree can reduce stress and anxiety and relieve sleep disorders.

Selecting Soil for Money Plants

Money tree soil in a container should be moist but not wet, so a well-draining potting mix is suitable. To enhance drainage, you can add cactus soil, or some sand or gravel. But this plant also likes nutrient-rich soil, so a peat moss-based mixture also works. A pH-neutral or slightly acidic soil provides the best conditions for a money plant.

Typically, a money tree will require repotting about every 2 years. Choose a pot one or two sizes larger than it’s been in—and make sure the container has a drainage hole. If you don’t want your money tree to grow too fast, you can remove part of the root ball when repotting. Then place the plant back in the same container with fresh soil.

Related: 9 Things That Can Bring Good Fortune to Your Home

The Right Light

Although the money tree can tolerate direct sunlight when grown outdoors, the indoor-grown plants should receive bright to medium indirect light for at least 6 hours a day. Be sure to rotate the plant each time you water it so its growth is straight.

Ideally, place your potted money tree near a sunny window, but keep an eye on it; too much sunlight burns the leaves, turning them brown. Conversely, too little light results in yellowing leaves.


While it prefers bright natural light, the plant can adapt to artificial light given off by fluorescent or LED grow lights.


Watering Money Tree

Outdoors, money trees grow in areas that flood and near bodies of water, which probably explains the “aquatica” in its name. Although the plant likes water and it’s difficult to overwater a money tree, it is possible. Avoid leaving the pot in standing water, which can lead to root rot if the soil is too soggy. Overwatering or insufficient drainage can result in leaf drop and death. However, soil that is too dry, as well as low humidity, can lead to yellowing, browning, or drooping leaves that fall off.

Money tree watering is not complicated; only give it water when the top 2 to 4 inches of soil feels dry. Usually, the plants need more water during their growing season in the spring and summer. You can cut back on water in the fall and winter because the plants go dormant and don’t need water for growth.

Fertilizing Money Tree Plants

Any basic liquid houseplant fertilizer works well for a money tree, but it should be diluted to half the recommended strength. You can feed your money tree plant as seldom as once in early spring and once in midsummer, but a better plan is to feed it monthly throughout the growing season. In most climates, you can skip fertilizing in the winter.

For the ultimate money plant food, use compost tea. Compost tea bags soaked in water provide a controlled dose of nutrients for foliage development. This all-natural fertilizer also improves the soil by rebuilding its microbial populations for more nutrients.

Bonsai slow-release fertilizer can help with droopy, yellowing leaves. Jobe’s Houseplant Food Spikes (available on Amazon) provide essential nutrients such as nitrogen, potassium, and phosphorus and other trace minerals.


Related: 11 Signs of an Unhappy Houseplant (and How You Can Help)

Setting the Temperature and Humidity

In its natural environment, the money tree grows in hardiness zones 10 and 11. As a tropical plant grown indoors, the money tree likes warm temperatures and lots of humidity. For best results, keep temperatures between 65 and 90 degrees. Avoid placing the houseplants near drafts, such as by exterior doors or heating and cooling vents.

Most indoor situations are significantly drier than the money tree’s natural home. Because the plants like around 50 percent humidity, it’s a good idea to increase the humidity around the plant by placing it on a pebble tray filled with water, setting a humidifier nearby, or misting the leaves regularly.

Photo: istockphoto. com

Propagating Money Tree Plants

Want to double your luck? Try propagating a money tree by taking stem cuttings in the spring or summer when the plant is growing. Using sterilized pruning shears or a sharp knife, cut a stem about 4 to 5 inches long with a few leaf nodes. Dip the cut end in rooting hormone (optional) and plant it in money tree-appropriate potting soil. Keep the cutting’s soil moist but not too wet for about a month, which is how long it usually takes new roots to form.

Another option is to place the cutting in water (skip the rooting hormone, if you opt for this propagation method). Wait for new roots to grow from the nodes, then pot the new money tree in its own planter.

Safety Considerations

The money tree is nontoxic to pets, according to the American Society for the Prevention of Cruelty to Animals (ASPCA). It’s also nontoxic to humans. In fact, the seeds can be roasted and consumed; they supposedly taste like peanuts (hence the plant’s nickname: the French peanut). In addition, the flowers and leaves can be cooked like vegetables for human consumption. Oil from the plant’s seeds even be used to make soap.


About the only creatures adversely affected by the plant are sand fleas. People have been known to disperse the seeds on the ground to repel the pests.


Related: 7 of the Best Trees You Can Grow Indoors

Potential Pests and Diseases

The money tree plant is susceptible to common insects such as aphids and spider mites, which drain the plant’s moisture by sucking the sap out of it. In addition to those small bugs, mealybugs, scales, and whiteflies love the phloem sap from a money tree. The result is yellowing leaves. To eradicate these bugs, increase the humidity and use an insecticidal soap or neem oil.

Red spider mites suck the sap from the leaves, resulting in curled, discolored leaves that fall off. These creatures spread quickly and are easily detected by the tiny cobwebs. Isolate an infested plant and treat with insecticidal soap or neem oil. Increase the humidity to keep them from returning; the pests prefer dry conditions.

These plants are particularly susceptible to mealybugs and scale in indoor conditions. Treat infestations with mild insecticidal soap or neem oil. Fungus gnat babies eat the roots of money trees; the adults eat the fungus that has been growing in damp soil. The result is yellowing or wilting of the leaves. Be sure to let the soil dry out between waterings and check to ensure the pot is the right size and has adequate drainage to prevent insect infestations.

FAQs About Money Tree Care

Still have questions about how to care for a money tree? Here are answers to some common questions.

Q. How much sun does a money tree need?

Money trees require bright, indirect sunlight. Direct light can burn their leaves, but insufficient light results in poor growth.

Q. How do I take care of a money tree indoors?

Knowing how to care for a money tree indoors requires mimicking their native growing conditions: bright light, plenty of moisture, well-drained soil, and lots of humidity.


Q. Do money trees like to be misted?

Money trees love high humidity, so they will appreciate frequent misting.

Q. Where should I place my money tree indoors?

Place a money tree near a window where it will receive bright, indirect light. Once you find a spot that works, try not to move the plant. For feng shui, place it in the southeast corner of your office for financial prosperity or in an east window for health.


Money tree - Crassula plant care at home / Geo Glass

All about plants

  • Message from GeoGlass

07 May

All about the plant Crassula or Crassula

If you mention the word "crassula" in a conversation with a person who is far from floriculture, he will shrug his shoulders. If you say "fat woman", then, perhaps, he will remember that he heard such a name. And if you say “money tree”, he will say for sure that he knows him and saw him. And we are talking about one plant.

Crassula's homeland is hot Africa, but it has long inhabited home and office interiors all over the world.

Home care for the money tree

Location and lighting: The money tree loves light. The amount of sunlight directly affects the color of the foliage. For example, if you have flowering varieties, or varieties with variegated leaves, then with a lack of light, the former will not bloom, and the latter will lose their color. Therefore, the best places for her are windows facing south, southeast and southwest. Direct sunlight for Crassula is practically not dangerous. The exception is varieties with a pure green leaf color. From the scorching sun, a reddish edging may appear along the edges of the foliage, or the entire surface may turn red-brown. Therefore, shade such a plant with a curtain during the day.

On the northern windows, the fat woman will need artificial illumination of a phytolamp or an ordinary fluorescent lamp. From a lack of light, the shoots can become thinner, and the leaves of the money tree fall off. In order for the crown to form beautifully and not warp, regularly turn the plant towards the light with its different sides.

Therefore, if the question arises, the money tree prefers light or shadow, then definitely light.

Air : In summer, fat women will be happy if you take them out into the open air - to the balcony, veranda, to the garden. If all this is not there, you can simply lower the money tree to the floor, where it is always a little cooler. Ventilate the room often. Just choose a place where drafts do not fall.

Temperature: Comfortable temperature for Crassula is +22 - +28℃. However, from the end of November to the beginning of February, the plant has a dormant period, and at this time it needs a temperature of about +14 - +16℃. Just put it away from the heating, perhaps near the door to the balcony. And if you have an insulated loggia, then the plant will be able to winter there even at a temperature of +8 - +10℃. The money tree cannot be kept warm in winter. Try to provide her with a three-month winter rest in a cool place, otherwise the plant may fall leaves. Unlike many other plants, daily temperature fluctuations benefit the plant.

Watering : Even in summer, Crassula does not require much water - it is enough to water it once every 2-3 weeks. If the plant is young - in the heat, water it once a week. The exact signal for watering is if the soil has dried out a couple of centimeters deep. In autumn, water every 3 to 4 weeks, during this period, by the time of watering, the soil should dry 4 cm deep. The money tree is watered minimally in winter.

Moisture: Crassula not only does not need spraying, they are contraindicated for her, as this can worsen the appearance of the leaves and lead to their decay. Such unpretentiousness is convenient for those who, due to circumstances, often leave home for a long time, the plant can calmly wait for you.

Hygiene: despite the fact that it is not worth spraying, the plant must be wiped periodically to keep its leaves clean and free to breathe. A small crassula can even be washed under a warm shower in the bathroom.

Soil and pot: Crassula is a succulent whose roots cannot stand constant moisture in the soil. Therefore, pots without a drainage hole are contraindicated for her. It is tedious to choose the right soil. For a fat woman, you can purchase soil for succulents, or you can make the following mixture yourself: 3 parts of sod land and 1 part of leaf, humus, river sand and fine gravel.

Possible problems

Money tree leaves fall off causes:

If the branches of the money tree begin to go bald, the reason, of course, lies in improper care. Even for such an unpretentious plant, you need to create comfortable conditions so that it will please you for a long time. After reviewing these reasons, you will understand what is unacceptable for a money tree.

  1. Crassula leaves may fall if you water the plant too infrequently. The roots of the flower become thinner, the branches lose their elasticity and the foliage falls off. Therefore, do not allow the earth in the pot to dry out completely, but also do not pour the plant too abundantly so that the roots do not begin to rot. Watering the fat woman should be moderate.
  2. At too high a temperature in the summer heat, an excess of ultraviolet radiation and direct sunlight can leave burns on the leaves, which is why the money tree can also throw off the foliage. Therefore, shade the flower in the summer, or move it from the south window to another place.
  3. The foliage of a money tree can fall off strongly if you “overfed” the plant with fertilizers. An excess of microelements and minerals can be more dangerous than a deficiency. Fertilize the plant only from March to September, in the rest of the year, bait is stopped for the dormant period of the plant.
  4. Too low or, conversely, too high a temperature can cause the money tree to shed its foliage. The plant is comfortable at normal room temperature, extreme drops and cold drafts for it are fraught with baldness.
  5. Do not water the flower with ice water, as this is stressful for the root system. Water for irrigation should be at normal room temperature, slightly warm.

Money tree pests:

Sometimes the plant can be attacked by a mealybug, which also leads to leaf fall and death of the plant. In order to prevent diseases, keep the plant indoors with a humidity level of no higher than 60% and a temperature no higher than 30 degrees.

Periodic inspection of the plant can help to notice the appearance of parasites in time - a white coating appears on the leaves and branches. If it is, it is necessary to remove the affected foliage from the crassula, wipe the flower with a wet soapy cloth, and then treat it with a special agent. For disinfection, you can use the drug "Aktellik".

Interesting fact

Money tree and its beneficial properties:

The healing properties of the money tree, first of all, consist in the fact that they release phytoncides, which have a detrimental effect on viruses, fungi and bacteria, disinfecting indoor air .

Crassula juice is used to treat diseases. It is added to rinses for tonsillitis and periodontitis, lotions are made for insect bites, cuts, abscesses and herpes, lubricate corns, rub sore spots with arthritis and arthrosis. But we must remember that all manipulations should be only external. Leaves or juice should not be consumed internally, as they contain arsenic.


  • Based on the name, it is widely believed that the money tree attracts financial well-being to the house where it grows. It is because of this belief that many grow their home money tree. To enhance the effect of attracting money, especially impressionable owners of fat women bury 2-3 coins in a pot.
  • It is believed that the fat woman cleanses the room of negative energy. Of course, all this is provided that she herself is well-groomed and healthy, because an unhealthy plant can have the opposite effect - to attract failure, lack of money into the house.
  • The fat woman is unpretentious in care, but she is sensitive to the atmosphere of scandals at home, the negative energy of stress or illness of the owners, therefore, under such conditions, she herself can wither. Therefore, if a money tree has settled on your window, try to have peace in your house. And with it comes financial well-being. Everything in the world works just like that!

Where to buy a money tree?

In our online store you can buy a money tree plant with delivery in Moscow, St. Petersburg and Krasnodar. You can buy a fat woman in a florarium, a glass planter or a standard pot.

How to care for a money tree in an apartment: where it should be

They say that a money tree in an apartment can enrich its owner. And in order to have a lot of wealth, it is necessary to independently leave a flower. We don’t know if a tree will bring you financial well-being or not, but we know exactly what needs to be done so that a large and strong plant grows from a small sprout!


1. What is this flower?

2. In which pot to plant a money tree?

3. Which soil should I choose?

4. How and how often to water?

5. Do I need to feed?

6. Where to put the flower?

What flower is this?

The plant that everyone knows under the name "Money tree" is actually called a fat woman (aka crassula). Today, this flower can be found in almost every Russian apartment, but in its natural environment, such a plant is found only in the arid mountainous regions of Madagascar, Africa and South Arabia.

The money tree is a succulent that can reach a height of 1-1.5 meters. The plant has a large solid trunk and small oval leaves. Actually, it was because of their leaves that the tree began to be called money tree - they look so much like silver dinars.

Crassula is a perennial plant. In the natural environment, a tree can live 70-90 years. At home, the lifespan is slightly shorter, but still impressive - 50 years with proper care.

Interesting fact: money tree can bloom! True, for this it is necessary to follow all the rules for caring for the plant. And do not expect flowers to appear immediately after you transplant the plant into a new pot and provide it with comfortable conditions - money trees do not begin to bloom until they are 10 years old.

In which pot should I plant a money tree?

In order for your tree trunk to grow in width and to be able to hold the fleshy leaves without any problems, choose low but wide pots. The root system of the money tree does not go deep. The trunk of the plant begins to grow in breadth only after the roots have reached the bottom of the pot.

The crown of an adult plant is quite impressive and heavy, so the pot for the money tree must be heavy so as not to turn over under the weight of the tree.

Important note: Too much moisture in the roots of the tree can cause rot. To prevent this from happening, before planting the fat woman, make wide holes in the bottom of the pot to let excess water out.

Which soil to choose?

The money tree is an unpretentious plant, but it is still worth paying attention to the choice of soil for good growth. Best of all, the fat woman will take root in rough loose earth, which easily passes air and water.

Since the money tree belongs to the genus of succulents, the easiest solution in this matter is to buy ready-made land for succulents. Another option is land for cacti.

You can collect the soil for the money tree yourself. This will require:

  • 4 parts of grain soil;
  • 1 part humus;
  • 1 part sand;
  • 1 part of leaf ground.

Add some pebbles to the resulting mixture - so the earth will always remain loose. Plus, the roots of the tree will be able to wrap around these pebbles and help the plant to stay more confident in the pot.

A few important points:

  • money trees do not like soil with high acidity. To reduce the acidity of the earth, wood ash can be added to it;
  • before planting a tree, the soil (even purchased) is recommended to be disinfected. To do this, the finished mixture must be calcined in the oven;
  • be sure to use drainage - brick chips, gravel, expanded clay, etc. The drainage layer should be approximately 3 cm high.

etc. The drainage layer should be approximately 3 cm high.

What and how often to water?

Like all succulents, the money tree does not need regular watering. But this does not mean at all that he does not need water at all. On average, the plant needs to be watered once every 7 days, but these periods may vary depending on external factors. In order not to make a mistake, watch the reaction of the plant:

  • if the leaves begin to fall off, it means that the tree either does not have enough water, or you are watering it with too cold water;
  • if the leaves lose their color and fade, then you overdo it with watering. This phenomenon is most common in winter. Moisten the soil not so often or plentifully;
  • if the leaves darken and lose their luster, then the soil is already drying up. The plant urgently needs water.

Ordinary water at room temperature is suitable for watering the money tree. If you use tap water, let it brew for a day first, and only then water the flower. Spring water or well water does not need tincture.

In order for the plant to get enough oxygen, spray its leaves from time to time with a spray bottle - this will remove dust from them that prevents the tree from breathing.

Should I feed?

The money tree grows well even without additional feeding. But if you want to please your flower, you can periodically feed it with fertilizers for succulents.

This should be done infrequently - once a month on the second day after the next watering. And only in the period from March to October - in winter, the plant does not need fertilizers.

Where to put the flower?

Despite the fact that the fat woman comes from hot countries, she does not like excessively bright sunlight and high temperatures. It is best if the direct rays of the sun fall on the plant only in one half of the day - preferably in the afternoon. The rest of the time, the money tree needs diffused lighting. You can create the necessary conditions yourself - just cover the window with a curtain or use blinds.

In the summer, take the plant to the balcony and put it on the floor - there it will receive more oxygen. In winter, the flower will be most comfortable on a window with good lighting.

Periodically ventilate the room where the tree is located.

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