Boston Fern vs Money Tree Plant Comparison
Compare these two plants side by side — care needs, key differences, and which is right for your home.
Boston Fern
Nephrolepis exaltata
The Boston Fern is a classic houseplant known for its graceful, arching fronds. It's a terrestrial fern, naturally found in humid forests and swamps. Its lush green foliage creates a soft, textured appearance, making it a popular choice for adding a touch of nature to indoor spaces. People grow it for its aesthetic appeal, air-purifying qualities (though not definitively proven by NASA), and relatively easy care, provided its humidity needs are met. It is primarily an outdoor plant but can adapt to indoor conditions with proper care.
Money Tree
Pachira aquatica
Pachira aquatica, commonly known as the Money Tree, is a tropical wetland tree that can grow up to 60 feet tall in its native habitat. It's popular as an indoor plant, often featuring a braided trunk created by intertwining several young plants. The plant has palmate leaves with 5-9 leaflets. While it can be grown indoors, it rarely flowers or produces fruit in these conditions. People grow it for its attractive foliage, braided trunk, and the belief that it brings good luck and prosperity.
Quick Plant Comparison
| Feature | Boston Fern | Money Tree |
|---|---|---|
| Light | Bright, indirect light. Avoid direct sunlight, which can scorch the fronds. | Bright, indirect light. Avoid direct sunlight, especially during the hottest part of the day. |
| Watering | Every 2-5 days, depending on humidity and light levels | Every 1-2 weeks, depending on environmental conditions |
| Humidity | 60-80% | 40-60% |
| Temperature | 18-24°C | 18-24°C |
| Care Level | Moderate | Easy |
| Growth Rate | Moderate | Moderate |
| Max Height | 0.3-1 meter (indoors) | 1-2 meters (indoors) |
| Pet Safety | ✅ Safe | ❌ Toxic To Pets |
| Soil | Well-draining potting mix rich in organic matter, such as peat moss or coco coir | Well-draining potting mix, such as a blend of peat moss, perlite, and vermiculite. |
| Beginner Friendly | With Caution | ✅ Yes |
| Weekly Maintenance | 10-15 minutes weekly | 5-10 minutes weekly |
🔬 Botanical Information — Comparing These Plants
Boston Fern
| Scientific Name | Nephrolepis exaltata |
|---|---|
| Family | Nephrolepidaceae |
| Native To | Tropical regions worldwide, particularly the Americas |
| Also Known As | Boston Fern, Sword Fern |
| Leaves | The leaves, or fronds, are pinnately compound, meaning they are composed of many small leaflets (pinnae) arranged along a central stem. The pinnae are typically bright green, lance-shaped, and have slightly serrated edges. The texture is delicate and feathery. |
| Flowers | Boston Ferns do not flower indoors. They reproduce via spores, which are located on the underside of the fronds. |
Money Tree
| Scientific Name | Pachira aquatica |
|---|---|
| Family | Malvaceae |
| Native To | Central and South America (Mexico to northern Brazil) |
| Also Known As | Money Tree, Saba Nut, Guiana Chestnut, Provision Tree, Monguba |
| Leaves | Palmate leaves with 5-9 leaflets radiating from a central point. The leaflets are oblong or lance-shaped, typically 10-20 cm long and 3-7 cm wide. They are a glossy green color. |
| Flowers | Rarely flowers indoors. In its natural habitat, it produces large, fragrant flowers with long, narrow petals. |
📏 Size & Growth — Plant Comparison
Boston Fern
Money Tree
🌱 Propagation — Comparing Plant Growth
Boston Fern
Methods: Division, Spores
Difficulty: Moderate
Tips: Divide the plant at the root ball, ensuring each division has healthy fronds and roots. Propagating from spores is more challenging and requires a sterile environment.
Money Tree
Methods: Stem cuttings, Seed
Difficulty: Moderate
Tips: Take stem cuttings in spring or summer. Use rooting hormone and keep the cuttings in a humid environment. Seeds can be sown in spring.
✨ Benefits & Features — Comparing Plant Value
Boston Fern
Boston Ferns are known for their long, arching fronds that create a cascading effect. They require higher humidity than many other common houseplants, making them a bit more challenging to care for indoors.
- ✓ Adds a touch of nature and elegance to indoor spaces.
- ✓ Creates a relaxing and calming atmosphere.
- ✓ Can help to improve indoor air quality (though not definitively proven).
- ✓ Provides a sense of accomplishment when successfully cared for.
- ✓ Offers a visually appealing texture and color contrast to other houseplants.
- 🌬️ NASA-verified air purifier
- 🐾 Pet Safe
Money Tree
The braided trunk is a distinctive feature, created by intertwining multiple young plants. It is also associated with good luck and prosperity in some cultures.
- ✓ Improved air quality
- ✓ Aesthetically pleasing appearance
- ✓ Believed to bring good luck and prosperity
- ✓ Relatively low-maintenance
- ✓ Adds a touch of greenery to any space
- 🌬️ NASA-verified air purifier
- ⚠️ Toxic to pets
📅 Maintenance Schedule — Plant Care Comparison
Boston Fern
Money Tree
🌞 Light Requirements
Boston Fern
Bright, indirect light. Avoid direct sunlight, which can scorch the fronds.
Low light tolerant: ❌ No
Money Tree
Bright, indirect light. Avoid direct sunlight, especially during the hottest part of the day.
Low light tolerant: ✅ Yes
💧 Watering Needs
Boston Fern
Keep the soil consistently moist but not soggy. Water when the top inch of soil feels dry to the touch. Overwatering can lead to root rot, indicated by yellowing or browning fronds. Underwatering results in crispy, dry fronds.
Money Tree
Water thoroughly when the top inch of soil is dry. Ensure good drainage to prevent root rot. Overwatering can lead to yellowing leaves and stem rot. Underwatering can cause leaf drop and crispy edges. Reduce watering frequency in winter.
🌡️ Temperature & Humidity
Boston Fern
Temperature: 18-24°C
Humidity: 60-80%
Money Tree
Temperature: 18-24°C
Humidity: 40-60%
🤔 Which Plant Is Right For You?
Boston Fern
Nephrolepis exaltataIndividuals who can provide consistent moisture and high humidity, such as those with humidifiers or bathrooms with natural light.
✅ Choose This Plant If...
- You want a classic, elegant houseplant that adds a touch of greenery to your home.
- You are looking for a plant that is non-toxic to pets.
- You can provide the high humidity levels this plant needs to thrive.
- You have a bright, indirectly lit space where the fern can flourish.
- You enjoy the challenge of providing specific care requirements to keep a plant healthy.
❌ Skip This Plant If...
- You struggle to maintain consistent watering schedules.
- You live in a very dry climate and cannot provide adequate humidity.
- You don't have a location with bright, indirect light.
Money Tree
Pachira aquaticaBeginners looking for an attractive and relatively low-maintenance indoor plant with symbolic meaning.
✅ Choose This Plant If...
- You want a plant believed to bring good luck and prosperity.
- You are looking for a relatively low-maintenance indoor plant.
- You appreciate the unique braided trunk appearance.
- You want a plant that can tolerate some neglect.
- You want a plant that can help purify the air.
❌ Skip This Plant If...
- You have pets that may ingest the plant, as it is toxic.
- You tend to overwater plants.
- You cannot provide bright, indirect light.
- You are looking for a plant that flowers indoors.
🎯 Quick Verdict
⚡ Key Differences Between These Plants
Boston Fern is rated Moderate care level, while Money Tree is Easy.
💡 Pro Tips For Comparing These Plants
Boston Fern Care Tips
Boston Ferns require consistent moisture and high humidity to thrive indoors. Maintaining adequate humidity is the biggest challenge. They are not drought-tolerant and will suffer in dry environments. Provide bright, indirect light and regular fertilization during the growing season.
- Mist the fronds regularly to increase humidity.
- Place the pot on a pebble tray filled with water.
- Use a humidifier to maintain consistent humidity levels.
- Water thoroughly, allowing excess water to drain away.
- Avoid placing the plant near drafts or heat sources.
Money Tree Care Tips
Money Trees are relatively easy to care for indoors. Provide bright, indirect light and water when the top inch of soil is dry. Avoid overwatering and provide adequate humidity. Fertilize during the growing season. Be aware of its toxicity to pets.
- Allow the top inch of soil to dry out before watering.
- Provide bright, indirect light to prevent leaf burn.
- Fertilize regularly during the growing season.
- Prune to maintain shape and remove dead leaves.
- Rotate the plant regularly to ensure even growth.
⚠️ Common Problems & Solutions — Plant Care Comparison
Boston Fern
Money Tree
❓ Frequently Asked Questions — Comparing These Plants
Boston Fern
What are the light requirements for Boston Fern?
Boston Ferns prefer bright, indirect light. Direct sunlight can scorch the delicate fronds, causing them to turn brown and crispy. An east-facing window is ideal, providing gentle morning sunlight. A north-facing window can also work, but the plant may not grow as vigorously. If placing the fern near a south- or west-facing window, be sure to filter the light with a sheer curtain. Insufficient light can lead to leggy growth and pale fronds. Rotate the plant regularly to ensure even light exposure on all sides. Artificial grow lights can supplement natural light, especially during the darker winter months.
How do I care for Boston Fern?
Boston Ferns thrive in bright, indirect light and high humidity. Water consistently, keeping the soil evenly moist but not soggy. Check the soil moisture regularly and water when the top inch feels slightly dry. Mist the fronds frequently or place the plant on a pebble tray filled with water to increase humidity. Fertilize monthly during the growing season (spring and summer) with a diluted liquid fertilizer formulated for ferns. Avoid placing the plant in direct sunlight or near drafts, as these can cause the fronds to dry out and turn brown. Repot every 1-2 years in the spring, using a well-draining potting mix. Regularly remove any dead or yellowing fronds to encourage new growth and maintain the plant’s appearance. Monitor for pests such as spider mites and treat as needed.
How do I propagate Boston Fern?
Boston Ferns can be propagated by division or by spores. Division is the easier method. To divide, carefully remove the plant from its pot and gently separate the root ball into two or more sections, ensuring each section has healthy fronds and roots. Repot each section in fresh potting mix. Propagation by spores is more challenging. Collect spores from the underside of mature fronds and sow them on a moist, sterile potting mix. Cover with a clear plastic dome to maintain high humidity and keep in indirect light. Spores can take several weeks or months to germinate. Keep the soil consistently moist and provide adequate ventilation to prevent fungal growth.
Money Tree
What are the light requirements for Money Tree?
Money Trees thrive in bright, indirect light. An east-facing window is often ideal, providing gentle morning sunlight. If placing near a south- or west-facing window, use sheer curtains to filter the light. Insufficient light can lead to leggy growth and yellowing leaves. Rotate your Money Tree regularly to ensure even light exposure on all sides. Avoid placing it in direct sunlight, which can scorch the leaves. Observe your plant’s growth; if the leaves are pale or the stems are stretching, it may need more light. Artificial grow lights can supplement natural light, especially in darker environments.
How do I care for Money Tree?
Money Trees are relatively easy to care for, making them a great choice for beginners. Place your Money Tree in a location with bright, indirect light. Avoid direct sunlight, which can scorch the leaves. Water thoroughly when the top inch of soil is dry, allowing excess water to drain away. Overwatering is a common problem, so ensure good drainage. Use a well-draining potting mix. Fertilize monthly during the growing season (spring and summer) with a balanced liquid fertilizer. Prune regularly to maintain shape and remove any dead or yellowing leaves. Maintain a stable environment, avoiding drastic temperature changes. Repot every 2-3 years, or when the plant becomes root-bound. Check regularly for pests and address any infestations promptly. Provide adequate humidity, especially during dry winter months.
How do I propagate Money Tree?
Money Trees can be propagated through stem cuttings or air layering. For stem cuttings, take a 4-6 inch cutting from a healthy stem. Remove the lower leaves and dip the cut end in rooting hormone. Plant the cutting in moist, well-draining potting mix. Cover with a plastic bag to create a humid environment. Keep the soil consistently moist and place in bright, indirect light. Roots should develop in a few weeks. For air layering, make a small cut on a stem and wrap it with moist sphagnum moss. Cover the moss with plastic wrap and secure it with tape. Keep the moss moist. Roots will develop within the moss. Once roots are visible, cut the stem below the roots and plant it in a pot.
Last updated: April 24, 2026 — Plant care data reviewed and verified by our editorial team.