How To Propagate Money Tree? 04 Methods You Should Know

Are you ready to get to know how to propagate money tree? It’s easy and fun; you don’t need magic spells or special potions. All you need is to follow some simple gardening steps that will turn you into a plant wizard! 

So, let’s start our adventure and explore the world of money tree propagation. We’ll show you how to make more money trees with effective propagation techniques.

Who knows, maybe you’ll end up with your money plant forest! Are you excited? Let’s get growing!

The money tree is a tropical plant that grows very tall in its natural environment. It has glossy leaves and white flowers followed by green fruits.

The fruits have nuts inside, which are good to eat because they have protein and fat. People like to keep money trees in their homes because it brings them luck, good fortune, health, and wealth.

Methods of Money Tree Propagation

Growing money trees is fun and easy. It can bring luck, health, wealth, and good fortune to your home. You just need to be patient and use some simple gardening materials.

Here is the list below of method for propagating money trees:

  1. By Water 
  2. By Soil 
  3. By Root 
  4. By Seed 

Let’s discuss them in detail one by one:

Water Propagation

Water propagation is one of the easiest methods for propagating a money tree. This method requires little more than a vase of Water, some cuttings from your existing money tree, and patience.

To begin Water Propagation, let’s see below:

First, get a piece of the plant. It can be either a leaf or a stem.

For a Stem Cutting

  • Cut the stem at an angle just below a leaf node. It is where new roots will form.
  • Be sure to have at least three leaves on the cutting.
  • Set aside 2-3 days to let the cut end dry up & form a callus. It helps reduce the risk of rot when planted in Water.

For a Leaf Cutting

  • Select entire, medium-sized leaves. Use pruning shears to cut the leaf where it connects to the stem.
  • Allow the leaf cutting(s) to be callous for 2-3 days.
  • Once your money tree cuttings are ready, fill a clean glass jar or vase with room temperature water and place the cutting(s) in the Water.
  • Changing the Water every few days is important to keep it fresh and prevent bacteria from growing.

To Propagate it in Water

  • Start by placing the cuttings in a glass jar or vase filled with room-temperature Water.
  • Avoid placing the jar under direct sunlight, which will cause the water to overheat and damage your cuttings.
  • Change the Water every few days to keep it fresh and prevent bacteria from growing.
  • In about 30 days, you should start to see tiny root formations.
  • Once the roots have grown long enough to reach the bottom of the jar, your cutting is ready to be planted in soil or a potting mix.

Soil Propagation

Soil propagation is an effective and easy way to propagate a money tree. You only need potting soil, some cuttings from your existing money tree, and fresh air.

To begin soil propagation, let’s see below:

  • First, get a stem cutting with at least three leaves.
  • Make sure to cut it at an angle just below the leaf node. It helps promote root growth after planting.
  • Next, fill a potting container or tray with potting soil and make some small holes in it that are deep enough to accommodate the stem cutting.
  • Place the stem cutting into the hole and lightly press down on the soil around it.
  • Water the soil until evenly moist and place the container in an area where it will receive indirect sunlight.
  • Your money tree will begin to root in 3-5 weeks and should be ready for transplanting into its pot after about two months.

Root Propagation

Root propagation is a way to grow more money trees. It means taking the root of an existing money tree and planting it in its pot.

It takes extra time and care, but it is one of the best ways to keep growing money trees. To start with root propagation, follow these steps:

  • To make a money tree plant, take a clean knife and cut two to six inches of root from the parent plant.
  • Tie the cuttings together and bury them in sand or sawdust for three weeks.
  • Put the cuttings in soil made for money trees. Cover it with a plastic bag and keep it away from bright light.
  • Water regularly and wait for new growth to appear.
  • Once the new plant has developed several leaves, remove the plastic bag and transfer it to a larger pot if necessary.

Seed Propagation

Seed propagation is one of the best ways to grow a money tree. It takes patience because it takes several months for the seeds to germinate and grow into healthy plants.

But with proper care, you can have your money tree in no time! Here’s how to get started:

  • First, collect the seeds from your existing money tree. The best time to do this is in late summer or early fall when the fruits are ripe and ready for harvesting.
  • Once you have the seeds, it’s time to get them ready for planting.
  • Soak them in warm water for 24 hours, then remove any dirt or debris that may have attached.
  • Get a pot or tray and fill it with soil that water can go through. Make small holes in the soil.
  • Put the seeds into the holes and cover them with a very thin layer of soil, no more than 1/4 inch.
  • Water the soil until it is moist all over. Put the container in an area where it will not directly get too much sunlight.
  • Keep the soil damp but not too wet. It will take a few weeks for your money tree to grow. When it starts to grow, ensure it gets enough sunlight and water often.
  • Once the first leaves appear, you can transfer them to a larger pot and continue caring for them.
  • With time, patience, and proper care, your money tree will thrive and produce beautiful foliage!

Identifying Potential Challenges in Growth

A money tree can have problems if its roots get too crowded. The tree will not get enough oxygen, food, and water when this happens. It can make the plant weak or even die.

To prevent this, repot your money tree every year or two.

Another challenge is dealing with pests. Pests like mealy bugs, aphids, and scale can all damage your money tree if left unchecked.

To deal with these pests, inspect the plant regularly for signs of infestation and treat them promptly if you find any.

The last one is that Giving a money tree too much water is easy. It can hurt the plant and make it die. Before you water:

  • Check the soil to see if it needs more.
  • Do not leave your plant in soggy soil.
  • If you think it has been overwatered, take the pot off and look at the roots for signs of rot.

Money Tree Plant Care 

Money tree plants can make a great addition to any home or office. They don’t need much care and might even bring you good luck!

Here are some tips for that will help you to care for a money tree:

Water regularly

Money trees need a lot of water, so check the soil often and water it when it’s dry. Be careful not to over-water, as this can lead to root rot.


Fertilizing your money tree once or twice a year will help it stay healthy and encourage growth. Use an organic fertilizer that’s specifically made for indoor plants.


Money trees should be pruned regularly to keep them from becoming too unruly. Trim off any dead or diseased leaves and any long, straggly branches.

Move it around

Money trees like bright, indirect sunlight, so make sure to move it around your house or office occasionally to get enough light.

Temperature and Humidity

The money tree indoor plant likes it when it’s between 65-75℉ and humid (50% humidity or more). Do not place your money tree in direct sunlight.

Take care of your money tree! Water it, give it fertilizer, and prune it. Move it around your home or office sometimes too.

This way, you can have a pretty plant that brings luck and happiness. Have fun!

Final Thoughts

Gardening is fun because you can make new plants from old ones! Propagating a money tree is one way to do this. You can create a whole new plant by taking a small piece of the old plant and planting it in special soil.

The easiest way is to take a piece of the stem and put it in the soil. It might take a little while, but soon you will have a new money tree to show to your family and friends!

It’s easy and rewarding, so why not give it a try? Happy gardening!


How often should I water my money tree?

Money trees need to be watered regularly, about once a week. Check the soil first and only water it when it’s dry.

Does my money tree need sunlight?

Money trees prefer bright, indirect sunlight rather than direct sunlight. Move the plant around every once in a while to make sure it gets enough light.

Do money trees need to be fertilized?

You should fertilize your money tree about once or twice a year using organic fertilizer for indoor plants.

How do I know if my money tree needs to be repotted?

If the roots of your money tree are getting too crowded, it’s time to repot. Check the condition of the roots every year or two, and if they look cramped, it’s time for a new pot.

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