How to Care for a Money Plant: Essential Guidance for Thriving Foliage

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Caring for a money plant, which is often associated with prosperity and good fortune, requires understanding its specific needs to maintain vitality.

Native to Central and South America, money plants prefer a balance of factors to thrive indoors.

These plants are adaptable and durable, making them ideal for both experienced and novice gardeners.

To ensure that they grow well, it is important to consider factors such as light exposure, watering routines, and soil conditions.

A money plant sits in a bright, indirect light. It is watered once a week, with well-draining soil. The leaves are dusted and trimmed regularly

Sustaining a healthy money plant involves a careful approach to watering, ensuring the soil is appropriately dry between sessions to prevent overwatering, which can lead to root rot.

They benefit from ample but indirect sunlight; direct light can harm the leaves, causing scorching, while insufficient light leads to stunted growth and yellowing leaves.

Key Takeaways

  • Balance indirect sunlight and correct watering for a healthy money plant.
  • Monitor soil moisture and adopt a systematic approach to water your money plant.
  • Regularly evaluate plant health to address potential pests, diseases, and environmental stressors.

Essential Money Plant Care Tips


Money plants require bright, indirect sunlight.

Direct sunlight can lead to leaf scorch, while too little light may result in slow growth and yellowing leaves. It’s beneficial to rotate the plant monthly to ensure even growth.


These plants prefer a balance in moisture; the soil should be allowed to dry out between waterings.

One should water the money tree when the soil is 50-75% dry. Checking soil moisture before each watering can prevent over-watering, which is harmful to the plant.


An ideal temperature range for money plants is between 65-80°F (18-27°C).

They thrive in a stable environment and should be protected from drastic temperature changes.


Money plants enjoy a humid atmosphere, so in dry environments, increasing humidity can be beneficial to the plant.

Do Don’t
Check soil before watering Over-water the plant
Rotate the plant monthly Expose to direct, scorching light
Maintain humidity Subject to cold drafts or extreme temperatures


Remove any damaged leaves with clean, sharp clippers. This helps the plant to focus its energy on healthy growth and maintains its appearance.

Potting and Repotting

Choose a container with proper drainage and repot the money plant if it becomes root-bound or the soil appears exhausted.

This will give the plant room to grow and fresh soil for nutrients.

To learn more about the care for Money Trees and the appropriate conditions for their proper growth, further information can be found through Bloomscape’s guide on how to care for Money Trees.

Watering and Sunlight for Money Plants

Watering and proper sunlight are crucial elements of money plant care.

Watering requirements vary depending on humidity and temperature levels, but general guidelines suggest that one should water their money plant when the soil is 50-75% dry.

To avoid over-watering, check the soil moisture before watering.

  • Indoor environment: Water approximately once every 1-2 weeks.
  • Humidity: Maintain a humid environment for optimal growth.

Direct sunlight can be harmful and may scorch the leaves, so it’s important to provide indirect sunlight.

Money plants prefer temperatures between 65-80 °F (18-27 °C). Constant exposure to temperatures outside this range can impede growth.

  • Light preference: Bright, indirect light.
  • Temperature: 65-80 °F (18-27 °C) for optimal growth.

Rotate the plant monthly to ensure even growth. In the absence of suitable natural light, one may consider using a grow light.

Light Requirement Temperature Watering Suggestion
Bright, indirect light 65-80 °F Water when soil is 50-75% dry

If one notices yellowing leaves, this may indicate over-watering or insufficient light. In such cases, water less frequently and reconsider the plant’s placement in relation to light sources.

Pruning and Propagation Techniques

Pruning of the Money Plant should be done with care to maintain its shape and promote new growth.

One should remove any dead, damaged, or discolored leaves or stems.

It’s also advised to prune back overgrown branches to encourage a bushier appearance.

The tools used must be clean and sharp to ensure healthy cuts. Pruning tips suggest that this helps in preventing disease and pests from infecting the plant.

For propagation, there are clear steps to follow.

Initially, select a healthy stem cutting, ideally one with a few leaves.

Rooting in soil involves finding a small pot, filling it with well-draining soil, and making a hole for the cutting.

The soil should be kept moist initially to facilitate root growth. Propagating a Money Tree provides insights into soil-based propagation.

Alternatively, rooting in water is also common.

One would fill a glass with water, cover it with plastic wrap, and insert the cutting through a small hole in the plastic, ensuring leaves don’t touch the water. Using filtered or rainwater is preferable.

Chinese Money Plants can be propagated this way with great success.

  • Soil Propagation:
    • Small pot with drainage
    • Well-draining soil
    • Keep soil moist for first few weeks
  • Water Propagation:
    • Glass of filtered or rainwater
    • Cover with plastic; cut small hole
    • Ensure leaves stay above water

Choosing the method depends on preference and the resources available. Both methods can lead to successful growth of new Money Plants if done correctly.

Common Pests and Diseases to Watch Out For

When caring for a money plant, there are specific pests and diseases one should look out for to ensure the plant remains healthy:


  • Scale Insects: Small, brown, and dome-shaped bugs that adhere to plant leaves and stems. They can be treated with insecticidal soap or horticultural oil spray.
  • Mealybugs: White, cottony pests found in leaf axils and on the underside of leaves. Removal can be done using a cotton swab dipped in rubbing alcohol.
  • Aphids: Tiny, green, or black insects that cluster on new growth and undersides of leaves. They can be eliminated with strong water spray or insecticidal soap.


  • Root Rot: Resulting primarily from overwatering, symptoms include yellowing leaves and soft, black roots. Proper watering and well-draining soil are critical, and one may need to repot the plant in severe cases.
  • Powdery Mildew: A white, powdery fungal growth on leaves and stems. It thrives in high humidity environments and can be minimized by increasing air circulation and using a fungicide if necessary.

Key Prevention Tips:

  • Ensure the plant’s soil is dry to the touch before watering.
  • Inspect regularly for pests and treat them promptly.
  • Provide good air circulation to reduce the risk of fungal diseases.

Choosing the Right Soil for Money Plants

When cultivating Money Plants (Pachira aquatica), soil selection is critical. They thrive in soil that provides proper drainage and maintains adequate moisture.

The soil’s texture, nutrition, and pH level are pivotal to the plant’s health.

The ideal soil mixture for Money Plants contains:

  • Peat: for moisture retention
  • Perlite or Vermiculite: for improved aeration
  • Coarse Sand: to enhance drainage

These components are often used in equal parts to create a balanced environment. A small amount of compost can be added for nutritional benefit.

Soil pH and Nutrient Needs:

  • pH Level: Money Plants prefer a pH range of 6.0 to 7.5.
  • Nutrients: Use a soil that is rich in nutrients; consider adding a slow-release fertilizer.
Soil Component Purpose Percentage
Peat Moisture retention ~33%
Perlite/Vermiculite Aeration ~33%
Coarse Sand Drainage ~33%
Compost (Optional) Nutrients Small Amount

Ensure that the pot used for the Money Plant has ample drainage holes to prevent waterlogging. The combination of a well-draining pot and the proper soil mix is essential for maintaining a healthy Money Plant.

If unsure about the soil’s properties, using a specialized Money Tree Soil Blend can be a suitable alternative, commonly available at garden centers or online.

Adjust the soil mixture according to the plant’s response, tailoring the environment to ensure optimum health and growth.

Best Fertilizers for Healthy Money Plants

To ensure robust growth and health for Money Plants (Pachira aquatica), it’s essential to provide them with the right nutrients. Fertilizers play a crucial role in supplementing the soil with necessary elements.

Homemade Solutions:

  • Milk Solution: A simple mix of 90% water with 10% milk can offer nitrogen, potassium, and phosphorus, aiding in the Money Plant’s development.
  • Aquarium Water: Utilizing the used water from a fish tank is an innovative way to provide nutrients, as it’s rich in nitrogen and beneficial for plant growth.

Commercial Fertilizers:

  • Balanced Liquid Fertilizer: A balanced (10-10-10) formulation, diluted to half strength and used monthly during the growing season, can contribute to a healthy, long-living Money Tree.
  • Fertilizer Spikes: These are a no-mess and easy-to-apply alternative, slowly releasing nutrients into the soil.

Essential Nutrients:

  • Nitrogen (N)
  • Phosphorus (P)
  • Potassium (K)

This N-P-K ratio is often listed on fertilizer packaging and should be in balance for indoor plants like the Money Plant.

Caution on Use:

It’s important not to over-fertilize, as this can lead to nutrient burn and damage the plant. Always follow the instructions provided with your chosen fertilizer.

Creating an Ideal Environment for Money Trees

Caring for a Money Tree (Pachira Aquatica) involves a balance of proper light, temperature, and humidity to mimic its natural habitat.

Light: Money Trees prefer bright, indirect light. Direct sunlight can lead to scorched leaves, while low light can cause slow growth and yellowing leaves. It is recommended to rotate the plant monthly for even growth.

  • Ideal placement: Near a window with sheer curtains
  • Low light solution: Utilize a grow light if necessary

Water: The watering needs of a Money Tree are moderate. The soil should be allowed to dry out partially between watering.

Soil Dryness Action
50-75% dry Water the plant
More than 75% Check for overwatering symptoms

Temperature: Money Trees thrive in a consistent temperature range.

  • Preferred range: 65-75°F (18-24°C)
  • Avoid temperatures below 50°F (10°C), as suggested by Petal Republic.

Humidity: These plants enjoy a humid environment, similar to their natural tropical habitat.

  • Maintain: Keep the humidity around 50% or higher
  • Dry air solution: Use a humidifier or a pebble tray with water

Soil: A well-draining soil mix supports the health and growth of Money Trees.

  • Recommended mix: Peat moss, perlite, and sand

Pruning: Regular pruning helps to maintain shape and encourage bushier growth. Spring or early summer is the best time to prune.

Troubleshooting Common Issues with Money Plants

Brown Leaf Patches

Brown patches on the leaves of a money plant may indicate either excessive direct sunlight or pest infestation. To solve this, move the plant to a place with moderate light and prune the affected leaves. For pests like mealybugs, consider using insecticidal soap or a horticultural oil spray.

Watering Mishaps

One must ensure the money plant’s soil is dry 1-2 inches down before watering again. Any standing water in the saucer should be emptied to prevent root issues.

Should the plant exhibit signs of overwatering, like root rot or mold, the money plant may need repotting and affected roots trimmed. It’s crucial to maintain a balance; too little water can result in droopy leaves.


Money plants can be susceptible to pests such as scale insects, mealybugs, and aphids. These pests feed on the sap and can cause damage to the plant. If one notices these pests, they should treat their money plant with systemic insect control.

Leaf Discoloration

Discoloration usually points to nutrient deficiencies or improper pH levels. Ensuring the soil has the right nutrient balance and pH level can assist in keeping leaves green and healthy.

Root Care

Healthy roots are white and crispy. If they appear brown and mushy, this is a sign of decay, commonly caused by overwatering.

For plants showing signs of root trouble, one might need to inspect and possibly trim the unhealthy roots, followed by changing to well-draining soil.

Frequently Asked Questions

In the following sections, readers will find targeted advice on the care regime for a healthy money plant, a cherished houseplant known for its braided trunk and lush leaves.

How often should you water a money plant?

A money plant’s watering schedule should be consistent, ensuring the soil is 50-75% dry before adding more water, typically about once a week.

What is the best soil mix for a money plant?

The ideal soil mix for a money plant is well-draining and fertile. A mixture of peat, pine bark, and perlite or sand tends to provide the right balance of aeration and moisture retention.

How do you propagate a money plant effectively?

To propagate a money plant, one can cut a healthy stem and allow it to root in water. Transplanting into the soil after the development of a strong root system is crucial for successful propagation.

What common problems do money plants face and how can you treat them?

Money plants can encounter issues like yellowing leaves due to overwatering or direct sunlight. Treating problems involves adjusting watering practices and ensuring the plant is in a well-shaded bright spot.

How much sunlight does a money plant require for optimal growth?

Optimal growth of a money plant requires indirect, but bright light. Intense direct sunlight should be avoided as it can scorch the leaves.

What are the ideal conditions for growing a money plant indoors?

Indoors, a money plant thrives in room temperatures between 53°F and 77°F with high humidity.

Keeping the plant away from drafts and using a humidifier can help maintain these conditions.