Lacy Tree Philodendron vs Money Tree Plant Comparison
Compare these two plants side by side — care needs, key differences, and which is right for your home.
Lacy Tree Philodendron
Thaumatophyllum bipinnatifidum
Thaumatophyllum bipinnatifidum, commonly known as the Lacy Tree Philodendron or Selloum, is a large, evergreen plant characterized by its deeply lobed, glossy green leaves. Despite its common name, it is not a true philodendron. It exhibits a shrub-like growth habit, developing a thick, trunk-like stem as it matures. While it can reach impressive sizes outdoors, indoor specimens remain more manageable. It's popular for its bold, tropical appearance and relatively easy care, making it a statement piece in homes and offices.
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 | Lacy Tree Philodendron | Money Tree |
|---|---|---|
| Light | Bright, indirect light. Avoid direct sunlight, especially during the hottest part of the day. | Bright, indirect light. Avoid direct sunlight, especially during the hottest part of the day. |
| Watering | Every 1-2 weeks, depending on environmental conditions and pot size. | Every 1-2 weeks, depending on environmental conditions |
| Humidity | 40-70% | 40-60% |
| Temperature | 18-24°C | 18-24°C |
| Care Level | Moderate | Easy |
| Growth Rate | Moderate | Moderate |
| Max Height | 1-2 meters indoors | 1-2 meters (indoors) |
| Pet Safety | ❌ Toxic To Pets | ❌ Toxic To Pets |
| Soil | Well-draining potting mix, such as a blend of peat moss, perlite, and vermiculite. | Well-draining potting mix, such as a blend of peat moss, perlite, and vermiculite. |
| Beginner Friendly | With Caution | ✅ Yes |
| Weekly Maintenance | 10 minutes weekly | 5-10 minutes weekly |
🔬 Botanical Information — Comparing These Plants
Lacy Tree Philodendron
| Scientific Name | Thaumatophyllum bipinnatifidum |
|---|---|
| Family | Araceae |
| Native To | South America, specifically Brazil, Paraguay, Bolivia, and Argentina |
| Also Known As | Lacy Tree Philodendron, Split-Leaf Philodendron, Selloum |
| Leaves | The leaves are large, deeply lobed, and glossy green. They can grow up to 90 cm long and wide. The lobes are highly dissected, giving the plant a lacy appearance. New leaves emerge unfurled and gradually expand. |
| Flowers | It rarely flowers indoors. When it does flower (typically outdoors), it produces a spadix and spathe, similar to other members of the Araceae family. |
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
Lacy Tree Philodendron
Money Tree
🌱 Propagation — Comparing Plant Growth
Lacy Tree Philodendron
Methods: Stem cuttings, Division, Seed (though rare indoors)
Difficulty: Moderate
Tips: Take stem cuttings with aerial roots and place them in water or directly into moist potting mix. Keep the cutting warm and humid. Division can be done when repotting mature plants.
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
Lacy Tree Philodendron
The deeply lobed leaves are its most distinctive feature, giving it a lush, tropical appearance. It develops a trunk-like stem as it matures, adding to its architectural appeal. It is not a true philodendron, despite its common name.
- ✓ Adds a tropical aesthetic to your home
- ✓ Purifies the air by removing toxins
- ✓ Creates a relaxing and calming atmosphere
- ✓ Provides a sense of connection to nature
- ✓ Relatively easy to care for, boosting confidence in plant care abilities
- 🌬️ NASA-verified air purifier
- ⚠️ Toxic to pets
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
Lacy Tree Philodendron
Money Tree
🌞 Light Requirements
Lacy Tree Philodendron
Bright, indirect light. Avoid direct sunlight, especially during the hottest part of the day.
Low light tolerant: ✅ Yes
Money Tree
Bright, indirect light. Avoid direct sunlight, especially during the hottest part of the day.
Low light tolerant: ✅ Yes
💧 Watering Needs
Lacy Tree Philodendron
Water thoroughly when the top 2-3 inches of soil are dry. Allow excess water to drain away. Overwatering can lead to root rot, indicated by yellowing leaves and a musty smell. Underwatering results in drooping leaves and dry, crispy edges.
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
Lacy Tree Philodendron
Temperature: 18-24°C
Humidity: 40-70%
Money Tree
Temperature: 18-24°C
Humidity: 40-60%
🤔 Which Plant Is Right For You?
Lacy Tree Philodendron
Thaumatophyllum bipinnatifidumThose seeking a bold, tropical statement plant that is relatively easy to care for.
✅ Choose This Plant If...
- You want a large, statement plant for your home.
- You appreciate tropical foliage.
- You are looking for a relatively low-maintenance plant.
- You have a space with bright, indirect light.
- You want to add a touch of the jungle to your indoor environment.
❌ Skip This Plant If...
- You have pets that may ingest the plant.
- You have limited space.
- You tend to overwater plants.
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
Lacy Tree Philodendron is rated Moderate care level, while Money Tree is Easy.
💡 Pro Tips For Comparing These Plants
Lacy Tree Philodendron Care Tips
Lacy Tree Philodendrons are relatively easy to care for indoors, provided they receive adequate light and are not overwatered. They require well-draining soil and occasional fertilization. Regular cleaning of the leaves will keep them healthy and attractive. They can become large, so provide ample space.
- Provide bright, indirect light for optimal growth.
- Allow the top 2-3 inches of soil to dry out before watering.
- Fertilize regularly during the growing season.
- Wipe the leaves with a damp cloth to remove dust and improve photosynthesis.
- Provide a support structure, such as a moss pole, for the plant to climb if desired.
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
Lacy Tree Philodendron
Money Tree
❓ Frequently Asked Questions — Comparing These Plants
Lacy Tree Philodendron
What are the light requirements for Lacy Tree Philodendron?
Lacy Tree Philodendrons require bright, indirect light to thrive. Direct sunlight can scorch their leaves, causing unsightly burns. An east-facing window is often ideal, providing gentle morning sun. A north-facing window can also work, but the plant may grow slower. If placed near a south or west-facing window, use a sheer curtain to filter the intense light. Insufficient light can lead to leggy growth and smaller, less-defined leaves. Rotate the plant regularly to ensure even light exposure on all sides. Monitor the leaves for signs of light stress, such as yellowing or browning.
How do I care for Lacy Tree Philodendron?
Lacy Tree Philodendrons thrive in bright, indirect light; avoid direct sunlight to prevent leaf burn. Water when the top inch of soil feels dry, ensuring good drainage to prevent root rot. Maintain humidity levels around 60-70% by misting regularly or using a humidifier. Fertilize monthly during the growing season (spring and summer) with a balanced liquid fertilizer diluted to half strength. Repot every 1-2 years, or when the plant becomes root-bound, using a well-draining potting mix. Provide support, such as a moss pole, as the plant matures and its aerial roots develop. Regularly wipe the leaves to remove dust and pests. Keep temperatures between 65-80°F (18-27°C).
How do I propagate Lacy Tree Philodendron?
Lacy Tree Philodendrons can be easily propagated through stem cuttings, division, or air layering. For stem cuttings, take a cutting with at least one node and place it in water or directly into moist potting mix. Keep the cutting in a warm, humid environment until roots develop. For division, carefully separate the root ball into smaller sections and repot each section into its own container. Air layering involves wrapping a node with moist sphagnum moss and covering it with plastic wrap until roots form, then cutting below the roots and potting the new plant.
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 26, 2026 — Plant care data reviewed and verified by our editorial team.