Christmas Fern vs Money Tree Plant Comparison
Compare these two plants side by side — care needs, key differences, and which is right for your home.
Christmas Fern
Polystichum acrostichoides
The Christmas fern is a robust, evergreen fern native to eastern North America. It gets its name from the fact that its fronds often remain green throughout the Christmas season. It features leathery, lance-shaped fronds that are deeply divided into leaflets (pinnae). The fertile fronds have spore-bearing sori on the upper pinnae. It typically grows in moist, shaded woodlands and is a popular choice for naturalistic gardens. While it can be grown indoors, it requires specific conditions and is generally better suited for outdoor environments.
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 | Christmas Fern | Money Tree |
|---|---|---|
| Light | Partial to full shade. Avoid direct sunlight, especially indoors. | Bright, indirect light. Avoid direct sunlight, especially during the hottest part of the day. |
| Watering | Every 7-10 days, adjust based on humidity and temperature. | Every 1-2 weeks, depending on environmental conditions |
| Humidity | 50-70% | 40-60% |
| Temperature | 10-21°C | 18-24°C |
| Care Level | Expert | Easy |
| Growth Rate | Moderate | Moderate |
| Max Height | 30-60 cm | 1-2 meters (indoors) |
| Pet Safety | ✅ Safe | ❌ Toxic To Pets |
| Soil | Well-draining, humus-rich soil. A mix of potting soil, peat moss, and perlite is suitable. | Well-draining potting mix, such as a blend of peat moss, perlite, and vermiculite. |
| Beginner Friendly | ❌ No | ✅ Yes |
| Weekly Maintenance | 10 minutes weekly | 5-10 minutes weekly |
🔬 Botanical Information — Comparing These Plants
Christmas Fern
| Scientific Name | Polystichum acrostichoides |
|---|---|
| Family | Dryopteridaceae |
| Native To | Eastern North America |
| Also Known As | Christmas Fern, Evergreen Wood Fern |
| Leaves | The fronds are lance-shaped, 30-90 cm long, and deeply divided into leathery, dark green pinnae. The pinnae are slightly sickle-shaped and have a toothed margin. The fertile fronds have smaller, spore-bearing pinnae at the tip. |
| Flowers | Ferns do not produce flowers. They reproduce via spores. |
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
Christmas Fern
Money Tree
🌱 Propagation — Comparing Plant Growth
Christmas Fern
Methods: Division, Spores
Difficulty: Moderate
Tips: Division is best done in early spring. Carefully separate the rhizomes and replant. Spore propagation 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
Christmas Fern
The Christmas fern is distinguished by its evergreen foliage and the presence of sori only on the upper pinnae of fertile fronds. This unique characteristic makes it easy to identify.
- ✓ Provides year-round greenery in shaded areas.
- ✓ Helps prevent soil erosion.
- ✓ Attracts beneficial insects.
- ✓ Low maintenance once established.
- ✓ Adds a natural, woodland aesthetic.
- 🐾 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
Christmas Fern
Money Tree
🌞 Light Requirements
Christmas Fern
Partial to full shade. Avoid direct sunlight, especially indoors.
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
Christmas Fern
Water thoroughly when the top inch of soil feels dry. Avoid overwatering, which can lead to root rot. Allow excess water to drain away. Signs of overwatering include yellowing or browning fronds. Signs of underwatering include wilting or crispy 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
Christmas Fern
Temperature: 10-21°C
Humidity: 50-70%
Money Tree
Temperature: 18-24°C
Humidity: 40-60%
🤔 Which Plant Is Right For You?
Christmas Fern
Polystichum acrostichoidesExperienced gardeners seeking a low-maintenance, evergreen groundcover for shaded areas.
✅ Choose This Plant If...
- You want an evergreen fern for a shady garden area.
- You need a plant for erosion control on a slope.
- You want to attract beneficial insects to your garden.
- You appreciate low-maintenance plants once established.
- You have a woodland garden and want a native species.
❌ Skip This Plant If...
- You have limited space indoors.
- You cannot provide high humidity.
- You are a beginner gardener looking for an easy indoor plant.
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
Christmas Fern is rated Expert care level, while Money Tree is Easy.
💡 Pro Tips For Comparing These Plants
Christmas Fern Care Tips
Christmas fern is primarily an outdoor plant that prefers moist, shaded environments. Indoor cultivation is challenging due to the need for high humidity, cool temperatures, and indirect light. It requires consistent moisture and well-draining soil. It is not a good choice for beginners indoors.
- Provide consistent moisture, especially during dry periods.
- Mulch around the base of the plant to retain moisture.
- Avoid planting in direct sunlight.
- Divide clumps every few years to maintain vigor.
- Monitor for pests and diseases regularly.
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
Christmas Fern
Money Tree
❓ Frequently Asked Questions — Comparing These Plants
Christmas Fern
What are the light requirements for Christmas Fern?
Christmas Ferns prefer bright, indirect light. Direct sunlight can scorch their delicate fronds, leading to browning and damage. The ideal location is near a north-facing window, or in a room with filtered sunlight. If you notice the fronds turning pale green or yellow, it may indicate that the plant is receiving too much light. Conversely, if the fronds appear dark green and growth is slow, the plant may not be getting enough light. Avoid placing the fern in direct sunlight, especially during the hottest part of the day. Artificial light can also be used to supplement natural light, especially during the winter months.
How do I care for Christmas Fern?
Christmas Fern thrives in indirect light and requires consistent moisture. Water thoroughly when the top inch of soil feels dry, ensuring good drainage to prevent root rot. Maintain high humidity, ideally above 50%, through misting or using a humidifier. Plant in well-draining, slightly acidic potting mix rich in organic matter. Fertilize sparingly during the growing season (spring and summer) with a diluted balanced liquid fertilizer. Avoid direct sunlight, which can scorch the fronds. Prune away any dead or damaged fronds to maintain its appearance. Repot every 1-2 years, or when the plant becomes root-bound, into a slightly larger pot. Protect from drafts and sudden temperature changes. Monitor for pests like scale, and treat promptly if necessary.
How do I propagate Christmas Fern?
Christmas Ferns can be propagated by division or by spores. For division, carefully separate the rhizomes in spring, ensuring each division has healthy roots and fronds. Plant the divisions in well-draining potting mix and keep them moist. For spore propagation, collect spores from mature fronds and sow them on a sterile substrate. Keep the substrate moist and humid. Spore propagation is a slow process, often taking several months to produce small plantlets. Division is the easier and more common method for home gardeners. Ensure the parent plant is healthy before attempting propagation. New plants will require consistent moisture and high humidity.
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 27, 2026 — Plant care data reviewed and verified by our editorial team.