How To Repot A Money Tree Plant

When given the proper growing environment, which includes a larger pot, the suitable potting soil, and plenty of nutrients, money trees are simple to cultivate.

If you need to repot a money tree, ensure sure the container has adequate drainage holes and is just slightly larger than the root ball. If your pot is too large, the plant will be able to retain more water than it need, which causes root rot. Put some charcoal at the bottom of your pot if it doesn’t already have drainage holes.

Pick a potting mixture with peat, pine bark, and either perlite or vermiculite. Additionally, you can create your own by combining equal parts of peat moss, perlite, and coarse sand. In the spring and summer when the tree is growing, fertilize once a month. Winter is not the time to fertilize.

Remove your tree from the pot slowly, untangle any tangled roots, and use a sharp knife to trim away any mushy roots. Fill the pot with enough potting soil to the point where the root ball is one inch below the rim. Fill in any remaining holes, then set the tree on top of the mixture.

When should a money tree be replanted?

The money tree plant can be grown outdoors, but because it prefers tropical climes, its range of habitat is constrained. The USDA hardiness zones 10–12, which include portions of Florida, southern Texas, southern California, and Hawaii, are the only places where P. aquatica should be grown outdoors. Given that it is sensitive to the cold, it is typically grown as a low-maintenance indoor plant. Here are comprehensive guidelines for caring for your money plant that can keep it happy and healthy.


It makes sense that money trees prefer to be kept moist since their native habitat is one that is characterized by the presence of water. Maintaining adequate watering for your plant should be your top priority! The ideal method is to thoroughly soak the soil with water. Wait until the substrate is completely dry and the soil is exposed before watering it again. Pay special attention during the first few weeks of caring for your money tree because this time frame will depend on the climate in your region. You can create a watering schedule once you become familiar with the pattern.

The native climates of money trees are also humid. Consistent mistings will be advantageous to money plants. The solution is a spray bottle with a nozzle that can be adjusted. However, if you have a few tropical plants, you should think about buying a humidifier or researching a pebble tray to keep them healthy. Once more, this is influenced by the local climate.

Light & Climate

Money trees should be cultivated inside in much of the United States because they are only winter hardy in USDA zones 10–12. Although they can handle shade and even direct sunlight, bright, indirect light is preferable for them. Find them a comfortable, bright space, especially one with a south-facing window!

Try to avoid moving the pot too frequently once you’ve located a space for them in your house. Money trees are reputed to be sensitive to significant alterations and disturbances. To encourage even growth and leafing, it is a good idea to sometimes rotate the pot.


Despite their preference for damp soil, money trees require soil that drains properly. Pour some rocks or gravel into the bottom of the container before you plant your tree to aid in drainage. Use a loose, permeable potting soil blend after that. For optimal results, incorporate perlite, peat moss, or sand into the potting mixture.


Using fertilizer when the plant is growing will help it get the nutrition it needs to thrive. Because the plant can quickly and effectively take liquid fertilizer, it is a fantastic option. While this additional plant food can benefit your plant, if you fertilize it too much, it could grow excessively lanky. From May through September, fertilizing every two weeks is the recommended method.

Tending To a Growing Plant: Repotting, Pruning, & Cutting

You can give your money plant a little more attention as it matures over the seasons to make sure it survives for many years. Pruning and repotting are two techniques for regulating and promoting growth. Plus, you can use part of the plant’s cuttings to create fresh individuals!


Every three years, money trees typically require repotting. Pick containers with good drainage holes when replanting, and keep the bottom lined with rocks or gravel. Although you can cut back on some root growth, be careful not to remove more than 25% of the roots. Early spring is the ideal time for repotting.

Pruning Needs

Pruning is an excellent approach to foster new development and give your money tree a certain shape. Branches and leaves that are wilting or turning brown can be pruned back, and new leaves and branches will develop in their place very rapidly. The shape of your tree is something you can control with careful preparation. Money trees are trained by several bonsai masters utilizing wires and meticulous trimming techniques. Although you can undertake some modest trimming all year long, late winter is the ideal time for a pruning session.

How To Take Cuttings

Do you wish to continue the customs of money tree folklore? You will soon find yourself in a money tree forest if you use cuttings to multiply more plants. Although seeds can be collected and planted, cuttings are the most typical method of breeding money trees. In the late spring or early summer, trim a branch. After that, submerge the branch in a glass of water to start the rooting process. Plant it gently in soil when it has developed a few roots. You can skip the water glass phase, but doing so frequently results in a longer process.

Care Challenges and Common Problems

Money trees are typically a hardy indoor plant or bonsai. Rarely are diseases and pests problems. Here is a list of likely problems and solutions, though, in case something does turn up.

  • Yellow leaves: If the leaves begin to yellow, this is frequently a result of inadequate nourishment or low humidity. Examine your surroundings. Does your money tree receive regular mistings, and have you given it fertilizer during the growing season? To observe if the leaves regain their color, try increasing the humidity or fertilizing the soil.
  • Leaf spots are a particular form of coloring. A potassium deficit is typically indicated by brown or yellow leaf patches. Potassium aids in the plant’s ability to transport water and initiate photosynthesis. If this happens, double verify your fertilizing procedure to make sure this crucial nutrient is part of the nutrition package.
  • When you repot your money tree, you may notice the roots are dark and squishy. This is a sign of root rot. Repot the plant if it has become waterlogged or overwatered, and be sure to include rocks or gravel at the bottom.
  • Mold on the earth: Moldy soil is another sign of excess wetness. Reduce watering and misting or try repotting on a substrate that drains properly.


  • Aphids: Aphids can be red, green, yellow, or brown and come in a variety of colors. They are typically fairly simple to identify, regardless of hue. Spray some dish soap and warm water onto the leaves, then wipe them down and give them a last rinse.
  • Mealybugs: A second, more frequent pest of the money tree, mealybugs are easily identified by the layers of white, fuzzy wax they secrete. Again, washing the leaves in a little soapy water and wiping them off is the easiest approach to get rid of them.
  • Spider mites: Spider mites are quite small, and you probably won’t even notice the harm they do until the leaves start to wilt, curl, and fall off. If your plant has spider mites, the first thing to do is thoroughly rinse it in the shower or with a hose. You should shift your money plant at this moment! After that, to get rid of the mites, apply neem oil or an insecticidal soap. It frequently requires multiple applications.
  • Scale: Because they conceal themselves as plant growths, scale insects can be hard to spot. Use a mixture of water and insecticidal soap to fight scale if your money tree does become infested. Spray on daily for a few days until the issue is resolved.

What sort of potting soil is required for a money tree?

Although it’s simple to think that all indoor plant soils perform similarly, a variety of factors determine how well-suited particular soils are for particular plants. Discover some of the most crucial aspects to take into account while selecting the ideal soil for your money tree in the following paragraphs.


Money trees thrive best when their roots are moist but not wet because they are accustomed to growing in a tropical environment with high humidity levels. The roots of the plants may rot if the soil is excessively damp.

Select a loose yet rich, well-draining soil to achieve the ideal amount of hydration. Sand and peat-based soils are often those that drain well. To avoid underwatering, it’s crucial that the soil be able to hold onto some moisture. A money tree plant needs to be in a container with a drainage hole in addition to having the appropriate soil.

Nutrients and pH Level

For houseplants to thrive, the three essential macronutrients are nitrogen (N), phosphorus (P), and potassium (K). The balance of these three nutrients is represented by an NPK ratio, which is frequently listed on commercial soil and fertilizers.

Money trees do well in soil that is neutral to slightly acidic in pH. The roots of the plant will more easily absorb nutrients if the soil is a little more acidic. A money tree should have a pH between 6.0 and 7.5.


The best soil for money trees often has components like sand, pebbles, perlite, or horticultural charcoal, all of which aid facilitate drainage because a well-draining soil is required when potting a tree.

In order to avoid the mild acidity that moss causes in soil, look for peat or sphagnum moss-containing soils. Some gardeners choose soils with coconut fiber since it has the same effect as mosses but is more environmentally friendly because some mosses are not thought of as sustainable ingredients.

Some of the best soils for houseplants already have components that serve as organic fertilizers in addition to having good drainage. Gardeners can use worm castings, compost, manure, or bat guano to fertilize their plants less regularly.

Does the money tree enjoy being rooted?

Some people have misconceptions regarding how best to maintain money trees. No matter what kind of plant they are, very few desire to be root-bound. Many plants, including money trees, can endure being root-bound, although it’s not always an enjoyable situation for them.

Being root-bound not only slows growth but also makes it difficult for plants to absorb nutrients and water. There is very little place for soil in a planter after its roots have grown too far. Water will therefore very immediately drain away as a result. This makes it difficult for your money tree to adequately absorb water, which can cause dehydration and yellowing and loss of leaves. The plant’s ability to retain moisture is one of the functions of soil!

Take additional care while repotting your money tree if you’ve noticed that it’s root-bound and you’re worried about it. Because they must be slightly untangled before being placed in their new pot, roots that are firmly entwined are much simpler to injure.

Do money trees require special soil?

A money tree needs a pot with adequate drainage and sandy, peat-moss-based soil to prevent root rot. You should wait a while before watering even though it prefers humidity in general. Watering when the top 2-4 inches of soil are dry is a reasonable routine for the majority of conditions. Pour off any excess water from the tray so that the roots don’t sit in water after thoroughly watering the pot until water runs out the drainage holes.

Fertilize once a month with a liquid plant food at half strength throughout the growing season, but forego fertilizer during the winter.

Where in my home should I put a money tree?

One of the simplest trees to cultivate inside is Pachira aquatica, most commonly known as the money tree plant. This tropical tree is frequently used to provide some green to homes, workplaces, lobbies, dining establishments, and other public areas. A money tree has hand-shaped leaves and is a low-maintenance, pet-friendly plant. It is indigenous to Central America and grows enormous, green pods with tasty, chestnut-like seeds within.

Although money trees can reach heights of up to 60 feet in the wild, they can also be preserved as bonsai trees or small indoor trees that only reach heights of up to eight feet. Although the two species have different fruits and flowers, a closely related species known as the Pachiraglabra, or saba tree, is frequently offered for sale as a money tree. Although it is doubtful that a money tree planted as a houseplant would bloom, you can still appreciate its large, hand-shaped leaves indoors.

You’ll find that multiple plants are frequently marketed growing together in a braid when looking for a money tree. When the young plants’ stems are still green or no broader than a half-inch across, which are thicker at the bottom to help conserve water, this is done.

When placed in the southeast corner of your home or the area connected with money, money trees—a popular indoor plant in feng shui—are believed to bring good financial fortune. According to feng shui, it’s unlucky to put a money tree in your bathroom since its energizing vitality can be sapped. To find out how to raise and take care of your money tree, keep reading.

Can I plant my money tree in potting soil?

A loamy, well-draining potting mix is preferred by money trees. They can survive in soil that is either acidic or alkaline, but they do best in a substrate that has a neutral pH between 6 and 7.5. They thrive on soil that is made up of a combination of perlite, vermiculite, peat moss, coarse sand, or coco coir and compost.

How often should a money tree be watered?

What makes a money tree plant happy the best? According to The Sill, water it thoroughly every one to two weeks, letting the soil dry out in between. Naturally, if your plant is receiving more light, you’ll also need to increase its water intake to prevent it from being overly dry.