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How to Grow Money Tree Plants (Pachira)

October 19, 2025
in Gardening
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Pachira spp.

The cash tree, aka Guiana, Malabar, or water chestnut (Pachira aquatica), is a broadleaf evergreen perennial native to wetlands and marshes in Mexico and northern areas of South America.

This species bears five-lobed, hand-like leaves. When younger, the bark is inexperienced and pliable, changing into grey, corky, and inflexible because it matures.

The trunk could swell because it shops water in periods of ample moisture, an adaptation that helps the cash tree survive occasional dry spells.

A close up horizontal image of a money tree aka Pachira aquatica growing in a pot indoors.

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Suited to out of doors cultivation in USDA Hardiness Zones 10 to 12, cash tree can also be a preferred houseplant believed to carry good luck and contribute to optimistic Feng Shui within the house.

Within the wild, cash timber can attain as much as 60 ft tall, however when cultivated as a houseplant they prime out at about six to eight ft.

This text discusses all it’s essential know to develop a cash tree indoors as a houseplant.

Right here’s what we’ll cowl:

In its native habitat, the cash tree produces showy, aromatic flowers in spring, with yellowish-white petals and dense brush-like red-tipped stamens.

A close up horizontal image of a Pachira aquatica flower growing in the garden pictured on a soft focus background.A close up horizontal image of a Pachira aquatica flower growing in the garden pictured on a soft focus background.

Giant pods observe, containing seeds traditionally utilized in conventional drugs. Indoors, potted specimens hardly ever bloom.

These grown as houseplants usually function a number of straight trunks braided collectively for ornamental enchantment. Some growers prepare them as bonsai specimens.

Fast Look

Widespread identify(s): Cash tree, Guiana chestnut, Malabar chestnut

Plant kind: Broadleaf evergreen perennial

Hardiness (USDA Zone): 10-12 (outdoor)

Native to: Mexico, Central America, northern South America

Bloom time / season: Spring (uncommon indoors)

Publicity: Vivid, oblique gentle

Soil kind: Unfastened, moisture-retentive, well-draining

Soil pH: 6.0-7.0, barely acidic to impartial

Time to maturity: 5-10 years

Mature measurement: 6-8 ft excessive and extensive as a houseplant

Finest makes use of: Bonsai, flooring or desk houseplant, rain backyard

Taxonomy

Order: Malvales

Household: Malvaceae

Genus: Pachira

Species: Aquatica, glabra

Like fortunate bamboo, one other tropical decorative, cash timber are often adorned with purple ribbons or charms to represent prosperity.

A intently associated species, the Guinea or French peanut, P. glabra, has cream-colored flowers with matching cream stamens, and clean, grey bark.

Even in its early phases of progress, the stems are noticeably swollen.

It’s common to seek out P. glabra foliage grafted onto P. aquatica trunks in business specimens and the species are sometimes listed interchangeably on the houseplant market.

A close up horizontal image of large money trees (Pachira aquatica) with braided trunks at a plant nursery.A close up horizontal image of large money trees (Pachira aquatica) with braided trunks at a plant nursery.

A legend tells of a financially challenged Taiwanese farmer who prayed for a miracle, discovered the tree rising in his area, and was capable of promote the seeds for a revenue, therefore the identify “cash tree.”

The species can also be prized for having a lifespan of fifty to 150 years. 



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