Are Money Trees Indoor or Outdoor Plants? A Complete Guide

are money trees indoor or outdoor plants

The Money Tree (Pachira aquatica) is more than just a pretty houseplant—it’s a symbol of good fortune and prosperity. With its braided trunk and lush green leaves, it’s become a staple in homes and offices alike. But one question continues to puzzle many plant lovers: Are money trees indoor or outdoor plants?

In this article, we’ll explore the best environment for a money tree to thrive, how to care for it indoors and outdoors, and whether it’s possible to switch between the two. Whether you’re a seasoned plant parent or just starting your indoor jungle, you’ll find the answers here.


What Is a Money Tree?

The money tree plant, scientifically known as Pachira aquatica, originates from the swamps of Central and South America. It’s a tropical plant that grows naturally in warm, humid environments and can reach up to 60 feet in height in the wild.

Indoors, however, it’s typically sold as a smaller, braided version that’s easy to manage and maintain. Because of its compact size and air-purifying abilities, it’s often used as a decorative plant in homes and offices.


Can a Money Tree Be Grown Indoors?

Why Money Trees Make Excellent Indoor Plants

Yes, money trees are widely considered indoor plants—and for good reason:

  • Low light tolerance: They can thrive in indirect sunlight, making them ideal for rooms with limited natural light.
  • Compact growth: Most indoor money trees are pruned and braided, keeping them small and manageable.
  • Symbol of prosperity: Often associated with Feng Shui, money trees are believed to bring positive energy and good luck indoors.

Ideal Indoor Growing Conditions

To help your money tree thrive indoors, aim to provide:

  • Bright, indirect light
  • Consistent temperatures between 65°F and 75°F
  • Moderate humidity levels
  • Well-draining potting soil
  • Watering every 1–2 weeks, allowing the top inch of soil to dry out between waterings

Avoid placing your money tree in direct sunlight, which can scorch the leaves, or near cold drafts, which can cause stress.


Can a Money Tree Be Grown Outdoors?

Outdoor Growing Is Possible—But Only in the Right Climate

Yes, money trees can be grown outdoors, but only in USDA hardiness zones 10–12. This includes warm, tropical, or subtropical regions like parts of Florida, Southern California, and Hawaii.

Outdoor Care Tips

If you’re lucky enough to live in the right climate, here’s how to care for your outdoor money tree:

  • Plant in partial shade to mimic the filtered light of its natural habitat
  • Use well-draining soil to prevent root rot
  • Water regularly, especially during dry spells
  • Protect from strong winds and cold temperatures
  • Watch for pests, such as aphids and mealybugs

Money trees are sensitive to cold and cannot survive frost. If your region gets chilly in winter, consider growing your money tree in a pot that you can bring inside when temperatures drop.


Indoor vs. Outdoor: Which Is Better?

FeatureIndoor Money TreeOutdoor Money Tree
LightIndirect sunlightPartial sun/shade
TemperatureControlled indoor climateNeeds warm, frost-free climate
Growth SizeTypically 2–6 feetCan reach 20+ feet
MaintenanceLower (less pest risk)Moderate (weather, pests)
Best ForHomes, offices, apartmentsTropical gardens, patios

For most people, growing a money tree indoors is the most practical choice. It’s easier to manage, offers a beautiful aesthetic, and thrives in controlled environments.


Can You Move a Money Tree Between Indoors and Outdoors?

Yes, but with caution.

If you want to give your indoor money tree a “summer vacation” outdoors, follow these tips:

  • Gradually acclimate it to outdoor conditions over several days
  • Keep it in the shade at first to prevent sunburn
  • Monitor temperature changes—bring it back indoors if it drops below 50°F
  • Check for pests before returning it inside

Frequent moving can stress the plant, so aim for occasional outdoor exposure rather than constant switching.


Common Mistakes to Avoid

Whether you grow your money tree inside or outside, avoid these common errors:

  • Overwatering: Money trees hate soggy soil. Always let the top inch dry out.
  • Too much direct sunlight: This can scorch leaves and cause wilting.
  • Ignoring humidity: Indoors, dry air can cause leaf drop—use a humidifier if needed.
  • Skipping pest checks: Mealybugs and spider mites can be an issue, especially outdoors.

Conclusion: Are Money Trees Indoor or Outdoor Plants?

Money trees are primarily indoor plants, but they can thrive outdoors in warm, frost-free climates. Their ability to adapt makes them a versatile option for any plant lover. Indoors, they’re easy to care for, symbolically significant, and visually striking. Outdoors, they can grow tall and lush in the right environment.

Looking to add a money tree to your space? Consider your climate, lighting, and care routine to decide whether it belongs inside your home or in your garden. Either way, this plant is sure to bring a touch of green and a hint of good fortune into your life.

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