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Money Tree Care: How to Maintain a Healthy and Thriving Plant

money tree care

Renowned for their unique braided trunks and straightforward care requirements, money trees have gained significant popularity among indoor gardening enthusiasts across the globe. Famous for symbolizing good fortune and prosperity, as well as for their air-purifying abilities, money trees make an exceptional addition to any indoor greenery ensemble.

Native to the wetlands of Central and South America, money trees have journeyed worldwide, enhancing interior spaces with their lush, green foliage. However, the appeal of money trees goes beyond their distinctive aesthetics.

Marked by their robustness, money trees can withstand a broad range of care practices, forgiving occasional missteps like inconsistent watering schedules. This adaptability makes them an excellent choice for both beginners and seasoned plant lovers. Their impressive knack for filtering indoor air pollutants makes them a desirable pick for those aiming to enhance their indoor living or working environments.

Whether you are an experienced plant caretaker or a novice stepping into the fascinating realm of indoor gardening, this guide intends to explain the essentials of money tree care. Let's traverse through each aspect together, equipping you with the necessary knowledge to ensure your money tree thrives.

Grasp the straightforward care requirements for Money Trees:

1. Money trees are hardy, prospering in indirect light, and tolerating temperatures between 60-85°F.

2. Depending on humidity and temperature, they require watering every 1-2 weeks.

3. They prefer soil mixtures that are well-draining and rich in organic matter.

4. They can benefit from fertilization during their active growing season (spring and summer).

5. Repotting is usually needed every 2-3 years or when the tree becomes root-bound.

6. Propagation can be achieved via stem cuttings or air layering methods.

7. Pruning may be performed to maintain a desired shape or to remove dead or diseased branches.


Money Tree Care

Light & Temperature

Money trees are tropical plants that demand a specific blend of light and temperature to optimally flourish. They flourish best in bright, indirect sunlight. This is sunlight that has been dispersed or screened to prevent harsh direct exposure that could harm the plant.

Intense, direct sunlight can lead to sunburn on the leaves, leaving them with unsightly brown patches. Thus, it's recommended to position your money tree in a spot where it can luxuriate in plentiful but softened light for the majority of daylight hours.

With regards to temperature, money trees thrive within a moderate range of 60°F and 75°F, similar to the typical indoor temperature comfort zone for humans. They are reasonably hardy and can endure temperatures as low as 50°F. Nevertheless, abrupt temperature shifts or exposure to chilly drafts can stress the tree, potentially impacting its growth or overall health.

In order to optimize your money tree's growth and health, it's crucial to place it in a location where the temperature is stable, avoiding spots near air vents, drafty windows, or external doors. Also, make sure the location benefits from generous amounts of diffused natural light. This could be near a north-facing window, or a few feet away from an east or west-facing window, ideally where it can avoid the harshest midday sun. You could also use sheer curtains or blinds to soften the sunlight, if necessary.

In addition to these, remember to rotate your money tree periodically to ensure all sides receive equal exposure to light, which will help maintain a balanced, symmetrical growth. By ensuring the right balance of light and temperature, your money tree will be set for vigorous, healthy growth.

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Water & Humidity

Watering plays a pivotal role in the overall well-being of your money tree. These plants have a preference for evenly moist soil conditions but are tolerant of brief dry spells. Overwatering, on the other hand, poses a significant risk by potentially leading to root rot, a dangerous condition that can prove fatal if not promptly addressed. Hence, ensuring that the top inch of soil dries out between watering intervals is a key aspect of money tree care.

To ascertain whether your money tree requires watering, perform a simple soil moisture test. Insert your finger up to the first knuckle into the soil. If the soil at this depth feels dry, it's time to water your tree. Always avoid watering on a strict schedule without checking the soil moisture level, as environmental conditions can greatly affect how quickly the soil dries.

When watering, aim for a deep watering method. This implies watering the plant until you notice water seeping out of the pot's drainage holes. This technique ensures water reaches the root zone, which is crucial for the plant's uptake of water and nutrients.

Alongside proper watering practices, money trees are also fond of higher humidity levels, mimicking their natural tropical habitat. You can increase the humidity around your plant in a number of ways. Regularly misting the leaves with a spray bottle is an effective method. However, you can also consider placing your pot on a pebble-filled tray with water, ensuring the pot's base is not in contact with the water to prevent root rot. The water in the tray will evaporate, increasing the surrounding humidity. Alternatively, a room humidifier can be employed to enhance moisture levels, especially during winter when indoor air can become particularly dry due to heating systems.

Maintaining the right balance of watering and humidity not only ensures your money tree remains healthy but can also enhance its lush, vibrant appearance.

RELATED: Top 10 Watering Cans to Keep Your Garden Thriving


Selecting the correct soil and potting mix is a fundamental step in ensuring optimal growth and longevity for your money tree. This plant favors a well-draining soil medium rich in organic matter.

The perfect soil blend for a money tree comprises a mix of peat moss, perlite, and coarse sand or gravel. This composition allows for excellent drainage, a key requirement for preventing waterlogging, which can subsequently lead to root rot. Incorporating organic matter like compost or well-rotted manure can offer a nutrient boost, promoting healthy growth.

The choice of pot is equally vital. Opt for a pot with adequate drainage holes at the bottom. This feature enables surplus water to escape, preventing accumulation and stagnation within the pot which can be detrimental to the roots. To further aid drainage and prevent the drainage holes from getting clogged with soil, place a layer of pebbles or small stones at the base of the pot.

Planting your money tree properly will encourage it to thrive. Fill your pot with the prepared soil mix and gently position the plant so that it sits in the center, ensuring its roots are entirely enveloped by the soil. After planting, water it thoroughly, ensuring the water reaches the deeper roots and the soil is evenly moist.

Remember to situate your freshly potted money tree in a location where it can receive ample bright but indirect light. Maintaining these conditions mimics its natural environment and allows your money tree to thrive, enhancing its health and aesthetics.

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While money trees aren't voracious feeders, a timely nutrient boost can significantly enhance their health and vigor. Employ a balanced, water-soluble fertilizer with an N-P-K (Nitrogen-Phosphorus-Potassium) ratio of either 10-10-10 or 20-20-20. These are readily available in garden centers and offer an equal distribution of the three key macronutrients necessary for plant growth.

The active growing phase for money trees typically spans from spring through early fall. During this period, introduce fertilization every two to three months to supplement the nutrients that the tree depletes from the soil, promoting healthier, denser foliage and a robust growth.

Excessive fertilization, however, can be detrimental, leading to a condition known as fertilizer burn, characterized by brown leaf tips and slow growth. Moderation is key, and the instructions on the fertilizer package should guide your application rates. Typically, you'll dissolve the fertilizer in water, creating a nutrient-rich solution to apply to the soil surrounding your plant.

Avoid direct contact of the fertilizer with the plant's leaves or stems to prevent potential burns. If it accidentally happens, immediately rinse off the fertilizer with water.

With the right balance of nutrients, your money tree will not just survive but will flourish, becoming a lively and captivating addition to your indoor green space. Adopting a regular fertilization regimen as part of your overall plant care routine can significantly improve the health and aesthetics of your money tree.

RELATED: 10 Organic Fertilizers for Optimal Plant Health


Over time, your money tree may outgrow its container, a condition often referred to as being "root-bound". When this occurs, the roots become overly crowded and may begin to encircle the pot, potentially inhibiting the plant's growth. To maintain a healthy, thriving money tree, repotting should be undertaken approximately every two to three years.

When selecting a new pot, opt for one that is just one size larger than the existing one to prevent waterlogging. It should also have sufficient drainage holes to prevent water accumulation, a condition that can lead to root rot.

Repotting is best carried out in the spring, just before the onset of the growing season. This allows the plant to acclimate to its new environment and utilize the fresh soil for optimal growth during the active season.

To repot, gently dislodge the plant from its current pot, being careful not to damage the root system. Slightly untangle any visibly compact roots to promote better nutrient absorption in the new pot. Place the plant in the center of the new container, and fill it with fresh potting soil, ensuring all roots are adequately covered. Following repotting, water your money tree thoroughly, making sure the water drains freely out of the pot's bottom.

Post-repotting, place your money tree in a location with bright, indirect sunlight, and be cautious not to overwater. This fresh start should give your money tree the needed boost to grow more vigorously and healthily in the ensuing growing season.


There are two common methods of propagating money trees, namely stem cuttings and air layering. Both methods can yield new, healthy plants, allowing you to expand your collection without the need for purchasing additional trees.

For stem cutting propagation, start by selecting a healthy, active-growing stem during the spring or summer season. Cut a segment of the stem, ensuring it includes several leaves. Remove the lower leaves to reveal a bare stem section which you will then dip in a rooting hormone. This hormone boosts root development and helps the cutting establish itself in a new medium more efficiently. Place the prepared cutting in a mixture of sand and peat moss, ensuring it remains upright. It is important to maintain the moisture level of this medium until the cutting develops roots. After roots appear, you can safely transplant your new money tree into a pot with proper potting soil.

Air layering, the second propagation method, involves creating a small incision on a healthy stem of the money tree. Apply rooting hormone to the cut, then wrap the area with moist sphagnum moss. Encase this moss-covered section in plastic wrap or aluminum foil to conserve the moisture. Keep the moss hydrated until you see root development. Once a healthy root system is visible, separate the newly formed plant from the parent tree and transplant it to its own pot filled with fresh soil.

Propagation is not only a cost-effective way to expand your indoor plant collection, but it also brings the satisfaction of nurturing new life from a parent plant. By investing care and patience in the propagation process, both stem cuttings and air layering can be fruitful techniques for multiplying your money trees.


While money trees are not high-maintenance plants requiring constant pruning, they do benefit from occasional trimming to maintain their aesthetic appeal, regulate their size, and encourage healthy growth. This step can be particularly useful if your money tree resides in a confined space, and you want to prevent it from growing too large.

The ideal period for pruning a money tree falls in late spring or early summer, aligning with the plant's active growth phase. This timing enables the plant to recover quickly from the pruning process and encourages a lush new growth.

To ensure a successful pruning session, equip yourself with a pair of sharp, clean pruning shears. Sterilizing the shears before use can help prevent the transmission of diseases. When making a cut, position your shears just above a leaf or node, which are the points on the stem from where new leaves sprout. Pruning near these nodes stimulates the plant to produce new branches, promoting a fuller, bushier appearance.

Aside from managing the overall size of the plant, pruning is also beneficial for removing unhealthy sections of the tree. If you observe any yellow or brown leaves, wilted branches, or areas affected by pests or disease, these should be pruned off to prevent further spread and to keep the plant in optimal health.

By incorporating a proper pruning routine into your money tree care schedule, you not only preserve its visual appeal but also contribute to its longevity and vitality.

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Troubleshooting Money Tree Problems

Growing Problems

Like any living organism, money trees can encounter certain growth challenges. Recognizing and understanding these issues can help you provide better care for your plant. Some common issues money trees might face include yellowing leaves, leaf drop, and stem rot.

Yellow Leaves: If you notice your money tree's leaves turning yellow, this could be an indication of a watering issue. Overwatering is often the culprit, as it can lead to waterlogged soil and root rot, causing the leaves to yellow and wilt. Underwatering, on the other hand, can cause dehydration stress, also leading to yellow leaves. Monitor the soil's moisture levels regularly, ensuring that it remains damp but not overly saturated.

Leaf Drop: Leaf drop is another common issue with money trees. This can be triggered by sudden temperature changes, drafts, or undue stress on the plant, such as abrupt relocation or exposure to low light conditions. Ensure that your money tree is placed in a stable environment with consistent, comfortable temperatures and ample indirect light.

Stem Rot: Overwatering is the most common cause of stem rot in money trees. The excessive moisture creates a conducive environment for fungal or bacterial infections, leading to soft, mushy stems. If your money tree shows signs of stem rot, it's crucial to act swiftly. Trim the infected parts, and if the damage is widespread, you may need to discard the plant to prevent the disease from spreading to nearby plants.

By proactively addressing these challenges and providing your money tree with the care it needs, you can ensure a healthy, flourishing plant that adds beauty and tranquility to your space.


Like many indoor plants, money trees can attract certain pests. Some of the most common ones include spider mites, mealybugs, and scale insects. These small critters can harm the plant by feeding on its sap, causing damage that may stunt growth or, in severe cases, lead to the death of the plant.

Spider Mites: These tiny mites are hard to see without a magnifying glass, but they can cause significant damage. They create fine webs on the plant and cause the leaves to appear speckled or yellowed.

Mealybugs: Mealybugs are small, white, cottony pests that cluster in leaf axils, undersides of leaves, and around the stems. They suck sap from the plant, causing leaves to yellow and curl.

Scale Insects: Scales appear as small, flat, brown or tan bumps on the plant's stems and leaves. Like mealybugs, they suck sap, which can lead to yellowing leaves and overall plant weakness.

For pest control, both insecticidal soap and neem oil can be effective. These are safer alternatives to harsh chemicals and are usually non-toxic to humans and pets. Here's how to use them:

Insecticidal Soap: This product works by suffocating pests. Spray it directly on the plant, ensuring you cover all surfaces, including the undersides of the leaves where pests often reside. It's generally safe for the plant, but it's still advisable to test it on a small area first.

Neem Oil: Neem oil is a natural pesticide that disrupts the life cycle of pests at all stages (egg, larvae, and adult). Mix it with water as per the manufacturer's instructions, and spray it on all parts of the plant. Repeat the process every week or so until the pests are completely gone.

Remember to always follow the manufacturer's directions when using these products. Additionally, isolate the affected plant to prevent the pests from spreading to other plants. Regular inspection of your money tree can help catch any pest infestation early, making treatment more effective.

RELATED: 9 Organic Pest Control Methods For a Healthy Garden


Money trees, while generally resilient, can fall prey to certain diseases. The two most common are root rot and various fungal infections. Understanding the causes and treatments for these diseases can help keep your money tree healthy and thriving.

Root Rot: Root rot is a disease that primarily affects overwatered plants, and it can be fatal if not addressed promptly. When a money tree is watered excessively, the waterlogged soil creates an environment conducive to root rot fungi. This leads to dark, mushy roots and may cause the plant to wilt or yellow. To prevent root rot, ensure your plant has a well-draining soil mix, and allow the top layer of soil to dry out between watering sessions. If your tree is already affected, remove it from its pot, trim off the rotten roots, and repot it in fresh, well-draining soil.

Fungal Infections: Fungal diseases can manifest as leaf spots, mildew, or a fuzzy growth on the plant. These infections usually occur when the plant is in a high humidity environment with poor air circulation. Overcrowding of plants can also lead to these issues as it inhibits airflow. To prevent fungal diseases, place your money tree in a location with good air circulation, avoid overcrowding, and maintain a balanced humidity level.

Should your money tree succumb to a fungal disease despite your preventive efforts, treat the infection with a suitable fungicide. Ensure you follow the manufacturer's instructions while applying the fungicide, and isolate the affected plant to prevent the disease from spreading.

Remember, prevention is the most effective method for managing plant diseases. By providing your money tree with the right growing conditions and regular care, you can minimize the likelihood of diseases taking hold.


Frequently Asked Questions

Should I mist my money tree?

Yes, misting your money tree can enhance its growth and health. Since they are tropical plants, they thrive in humid conditions. Misting increases humidity, preventing leaf dryness. However, avoid over-misting to prevent fungal growth. Misting once or twice a week should suffice, depending on your home's humidity. Other humidity boosting methods include placing a water tray near the plant or using a humidifier.

Does money tree purify air?

Yes, money trees are recognized for their air-purifying capabilities. They help improve indoor air quality by absorbing harmful pollutants like formaldehyde, benzene, and xylene, commonly found in household products. Although the degree of air purification depends on factors like the plant's size and pollutant levels, the money tree is still a beneficial and aesthetically pleasing addition to any home.


Summary: Caring for Money Trees

Money Trees are prized houseplants, coveted for their distinctive aesthetic and air-purifying capabilities, making them an alluring addition to your indoor plant collection.

Here's a summary of essential care guidelines for a thriving Money Tree:

Light and Temperature: Money Trees flourish in moderate, indirect light. Too intense sunlight may harm their leaves, while insufficient light can hinder their growth. They are tropical plants and prefer a warm climate, ideally between 65-80°F.

Water and Humidity: Unlike several houseplants, Money Trees enjoy consistently moist, but not soggy, soil. Water when the top inch of the soil feels dry to touch. A high humidity environment is also preferred; achieve this by misting the leaves, placing the plant near a water tray, or using a humidifier.

Soil and Fertilizer: Opt for a well-draining soil mix for your Money Tree to prevent waterlogging. Periodic fertilization, primarily during the growing season, boosts the overall plant health. Utilize a balanced, water-soluble fertilizer for optimal results.

Repotting and Propagation: To encourage robust growth, repot your Money Tree every 2-3 years. Propagation can be achieved via stem cuttings or air layering, helping you grow your indoor plant family.

Pruning: Prune your Money Tree regularly to maintain its appearance and health. Remove any yellowing or damaged leaves and trim back any excessively grown stems.

Troubleshooting: Regularly check your plant for any signs of pests or diseases. Early detection and prompt action can help avert further damage and spread.

Caring for your Money Tree is more of a rewarding journey than a task. With patience, observation, and these guidelines, your Money Tree can prosper and become a captivating feature of your indoor garden. Enjoy this gratifying process of plant nurturing and let the charm of your Money Tree enrich your home's ambiance!

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