Money Tree

How to Fertilize Money Tree

Pachira aquatica
Reviewed by Kiersten Rankel M.S.
Quick Answer
Feed your Money Tree with a balanced liquid fertilizer (10-10-10) at half strength every 2 to 4 weeks in spring and summer. Taper in fall and stop in winter.

When Should I Start Feeding My Money Tree?

Begin feeding your Money Tree in early spring when you notice new leaves unfurling, which signals the start of active growth even for indoor plants responding to increasing daylight.

US feeding regions map
Pacific Mar–Oct
Mountain Apr–Sep
Midwest Apr–Sep
Northeast Apr–Sep
Southeast Mar–Oct
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How Often Should I Fertilize My Money Tree?

Every 2 to 4 weeks during spring and summer is ideal. Money Trees have a moderate growth rate and do not demand constant feeding, so every other watering with fertilizer is a reliable rhythm.

In early fall, taper to once a month at quarter strength. By late fall, stop feeding completely. Money Trees slow down significantly in low light and cool temperatures, and fertilizer sitting in dormant soil can burn the roots.

Signs of overfeeding include brown leaf tips and a white crusty buildup on the soil surface. If you see either, flush the soil with plain water and skip a feeding.

Feeding Calendar
Spring & Summer
Half-strength balanced liquid fertilizer every 2-4 weeks
Early Fall
Quarter-strength monthly, tapering off
Late Fall & Winter
No feeding

What Is the Best Fertilizer for a Money Tree?

A balanced liquid fertilizer with equal NPK numbers (10-10-10 or 20-20-20) works well for Money Trees. They are not heavy feeders, so a gentle, even supply of nutrients is better than a high-nitrogen push.

Dilute to half the label strength. Money Trees are native to swampy riverbanks in Central and South America, and their roots are adapted to nutrient-dilute water rather than concentrated feeds.

Liquid fertilizers are the best choice because they distribute evenly through the soil and are easy to dial back if you notice any sensitivity. Avoid granular slow-release products in containers, as they can cause salt buildup around the braided trunk base.

Synthetic
Complete liquid formula with all 16 essential nutrients. Mix 1/4 teaspoon per gallon for Money Trees.
Affordable liquid concentrate available at most garden centers. 7 drops per quart of water at half the label rate.
Organic
All-in-one organic option with mycorrhizae that supports root health. One scoop per gallon.
Gentle organic liquid with trace minerals. A good choice for Money Trees that prefer mild feeding.
A gentle slow-release amendment. Mix a thin layer into the top inch of soil every few months for steady, low-level nutrition.

How Do I Fertilize My Money Tree?

1
Water your Money Tree first
Thoroughly water the soil with plain water before fertilizing. Money Trees have sensitive roots, and moist soil prevents fertilizer from concentrating around them.
2
Dilute to half strength
Mix your balanced liquid fertilizer at half the recommended rate. Money Trees prefer a light touch, and it is much easier to add more later than to fix overfeeding.
3
Pour slowly around the base
Apply the solution evenly around the root zone, avoiding the braided trunk directly. Continue until you see a small amount of liquid draining from the bottom.
4
Drain the saucer after 30 minutes
Money Trees do not like sitting in water. Empty the saucer once the pot has finished draining to prevent root rot and salt accumulation.
5
Skip if the soil is still moist
If your Money Tree's soil has not dried out since the last watering, skip the fertilizer application. Feeding into wet, undrained soil increases the risk of root problems.

Got More Questions?

Can I use coffee grounds on my Money Tree?
A small amount of used coffee grounds mixed into the soil is fine as an occasional amendment. However, Money Trees prefer neutral to slightly acidic soil, and too many coffee grounds can make the soil overly acidic. Stick to a proper balanced fertilizer for reliable results.
What happens if I over-fertilize my Money Tree?
The most common sign is brown, crispy leaf tips. You may also see a white salt crust forming on the soil surface or around the drainage holes. Flush the pot with plain water until it runs clear, then skip fertilizer for at least a month.
Should I fertilize a newly repotted Money Tree?
Wait 4 to 6 weeks after repotting before feeding. Fresh potting mix contains enough nutrients to sustain the plant while its roots settle in. Fertilizing too soon can stress roots that are still recovering from being disturbed.
Does my Money Tree need fertilizer if it is not growing new leaves?
If your Money Tree is healthy but not putting out new growth, it is likely resting. Do not force-feed it. Resume fertilizer only when you see fresh leaves emerging, which usually happens in spring.
Can I use fertilizer spikes for my Money Tree?
Fertilizer spikes can create concentrated hot spots in the soil that burn nearby roots. Liquid fertilizer distributes more evenly and is a safer choice for container-grown Money Trees.
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About This Article

Kiersten Rankel M.S.
Kiersten Rankel M.S.
Botanical Data Lead at Greg · Plant Scientist
About the Author
Kiersten Rankel holds an M.S. in Ecology & Evolutionary Biology from Tulane University. A certified Louisiana Master Naturalist, she has over a decade of experience in science communication, with research spanning corals, cypress trees, marsh grasses, and more. At Greg, she curates species data and verifies care recommendations against botanical research.
See Kiersten Rankel's full background on LinkedIn.
Editorial Process
Fertilizer recommendations verified against Pachira aquatica growth data from Greg's botanical database, cross-referenced with USDA hardiness zone data and published horticultural research.
53,906+ Greg users growing this plant
USDA hardiness zones 10a–12b