Money tree (Malabar chestnut)
Pachira aquatica
Tropical evergreen tree commonly grown as an indoor 'money tree'; noted for braided trunks and edible seeds. Prefers bright, indirect light, moderate watering, and well-draining soil.
Pet-Friendly Plant
Toxicity: non toxic
Generally considered non-toxic to cats and dogs. Seeds are edible in native regions; still consult a vet if large amounts are ingested or symptoms appear.
🌱Care Requirements
Light
Place the money tree in bright, indirect light near an east- or north-facing window; avoid intense afternoon sun which can scorch leaves. A few hours of gentle morning sun is acceptable. Rotate the pot every few weeks for even growth.
Water
Water deeply but infrequently: allow the top 2–3 cm (0.8–1.2 in) of potting mix to dry before watering. Drain excess water and never let the pot stand in a saucer of water. Reduce frequency in cooler months and increase slightly in high heat.
Humidity
Prefers moderate to higher humidity (40–60%). Increase humidity with regular misting, a pebble tray, grouping plants, or a humidifier to prevent brown leaf edges and crisping.
Temperature
Ideal range 15–29°C (59–85°F). Avoid sustained temperatures below 12–15°C (54–59°F) and cold drafts, which can trigger leaf drop.
🔧Common Problems & Solutions
Yellowing lower leaves and soft stems
Cause: Overwatering or poor drainage leading to root rot
Solution: Check roots, repot into fresh well-draining mix if needed, reduce watering frequency and ensure pot drains freely
Brown, crispy leaf edges
Cause: Low humidity, dry air or underwatering
Solution: Increase humidity with misting, a pebble tray or humidifier; water thoroughly when topsoil is dry
Leggy, sparse growth and thin trunk
Cause: Insufficient light
Solution: Move to brighter indirect light, rotate plant regularly and selectively prune to encourage bushier growth
Sticky residue, white cottony patches or small insects
Cause: Pests such as scale, mealybugs or aphids
Solution: Isolate plant; treat with insecticidal soap, neem oil or a cotton swab dipped in alcohol; repeat treatments until gone
✂️How to Propagate Money tree (Malabar chestnut)
Stem cuttings: take 10–15 cm (4–6 in) semi-ripe cuttings, remove lower leaves, dip in rooting hormone and plant in a free-draining mix; keep warm and humid until roots form (4–6 weeks). Seed: sow fresh seeds in moist, warm mix, keep covered and warm; germination in 1–3 weeks. Air-layering: wound a stem, apply moist sphagnum, wrap with plastic and roots will form in a few months; then cut and pot.
🌍Origin & Background
Family: Malvaceae
Native to: Native to Central and South America, including Mexico, Venezuela and Brazil.
Natural Habitat: Found along riverbanks and seasonally flooded lowland forests; adapted to warm, humid sites with bright, filtered light and periodically wet soils.
🗓Seasonal Care Guide
Winter
Reduce watering and stop feeding; keep plant away from cold drafts and heating vents. Maintain humidity with a tray or humidifier and provide bright indirect light.
Spring
Resume regular fertilizing with a balanced houseplant feed every 4–6 weeks. Repot if rootbound and prune to shape as new growth begins.
Summer
Increase watering slightly during active growth but allow topsoil to dry between waterings. Provide bright indirect light and higher humidity during hot months.
Fall
Gradually reduce fertilization and watering as growth slows. Check for pests and tidy up dead leaves before winter dormancy.
❓Frequently Asked Questions
How often should I water my money tree?
Typically every 7–14 days; allow the top 2–3 cm of soil to dry out between waterings and adjust for pot size and season.
Does a money tree need direct sunlight?
No—money trees prefer bright, indirect light. Avoid strong afternoon sun which can scorch leaves.
Can I keep a money tree in a low-light room?
It will tolerate lower light but will grow leggy and slowly. Move to brighter indirect light for best form and health.
How do I propagate a money tree?
Propagate by stem cuttings, seed or air-layering. Cuttings root in moist, warm conditions with humidity and occasional rooting hormone.
Is the money tree toxic to pets?
No, Pachira aquatica is generally considered non-toxic to cats and dogs, but watch for upset stomach from large ingestions.
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Last updated: 11/7/2025