A self-contained, low-maintenance planter assembly used indoors or outdoors to provide prolonged self-watering of plants in a tray preferably supported by an easily height-adjustable frame insert positioned within the lower reservoir portion of a fluid-containing planter housing. Interior tray-lifting members are located adjacent to the trays top edge, and the trays bottom surface has perforations. Plant roots may be in growth/support medium distributed directly into the tray, or in drainable pots. Fluid-permeable material under the growth/support medium allows surplus rainwater to refill the planter housing via the trays perforations in outdoor applications, while an overfill prevention hole in the planter housing prevents nutrient/liquid therein from entering the tray, with wicking member or members instead distributing nutrient/liquid upwardly to tray-supported plant roots. No tools or power/water connections are needed for assembly function. Applications include, but are not limited to, residential and commercial use, including hotels, convention centers, malls, and schools.
