Plant Cultivation

How to Propagate Money Tree in Water & Soil

Propagate Money Tree

Propagating Money Tree to Grow Your Fortune at Home

Propagating a money tree, not only nurtures a plant but also carries the best wish for good fortune. Known for its braided trunk and lush, green palmate leaves, the money tree is often associated with financial prosperity in the culture of feng shui. If you’re looking to expand your greenery or gift a meaningful plant to a friend, learning how to propagate money tree might just be the project you need.

Table of Contents

When to Propagate Money Tree 

The money tree (Pachira aquatica) is a tropical plant that thrives in moist, humid conditions away from direct sunlight. The best time to propagate a money tree is during the spring and early summer. This period offers optimal growing conditions, ensuring that the cuttings have the best chance to develop roots and new growth due to the warmer temperatures and increased daylight hours. Additionally, propagating during this time gives the new plants a full growing season to become strong and healthy before the slower growth period of winter.

money tree leaves

What You Need to Propagate Money Trees

Propagating a money tree can be done in multiple means. For example, you can propagate the plant from cuttings, roots, and either in water or soil. If you're planning to expand your collection of charming Chinese money trees in water, you'll need the following tools:

  • A sharp pair of scissors or pruning shears
  • Gloves
  • A glass vase
  • Water

For soil propagation, you will need:

  • A small spade or trowel
  • Rooting hormone (optional)
  • Potting soil
  • A small pot

Sanitize the scissors, pruning shears, trowel, and pot before use. This is crucial to prevent the spread of diseases, as bacteria from previous gardening activities can linger on these tools and potentially infect your new money tree cuttings. 

Propagating Money Trees in Water

Let’s start with the easiest approach. Propagating money trees in water allows you to watch the roots of your new plants as they develop, making it easier to determine the right time for potting. Also, compared with soil propagation, using water just keeps your hands clean and tidy. 

Duration: Typically, it takes between 2 to 4 weeks for a money tree to develop roots in water. When the newly emerged roots have reached 1-2 inches in length, transplant the new plant in well-draining soil for further development. 

How to Propagate a Money Tree From Stem

  1. Select several robust stems that are at least 4 inches long with leaves. Having multiple cuttings not only increases the number of new plants but also facilitates the braiding of three stems to enhance the stability of your new money tree. 
  2. Snip each stem just below a node where leaves are attached and trim the lower leaves if there are many. Set the stems for 2-3 days to let them callous over. 
  3. Place the cuttings in a glass vase filled with clean water, ensuring the nodes are submerged.
  4. Position the vase in a spot with ample indirect sunlight, which is essential for root development.
  5. Regularly change the water weekly to avoid root rot and maintain freshness.
propagating money trees

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How to Propagate a Money Tree From Leaf

For a less invasive approach, you can propagate a money tree from a single leaf. This method takes longer but minimizes the impact on the appearance of the original plant. 

  1. Pick a healthy leaf of medium-sized.
  2. Cut the leaf at the base, near where it connects to the stem, ensuring the node is intact.
  3. Place the leaf in a small cup with fresh water, allowing only the base to touch the water to prevent rot.
  4. Keep the cup in indirect sunlight and change the water weekly.

Propagating Money Trees in Soil 

Compared with water propagation, propagating a money tree in soil is recommended for fostering robust root growth, as soil provides essential nutrients needed for cuttings to mature into healthy plants.

Duration: Typically, money tree cuttings require about 4 to 8 weeks to establish roots in the soil.

  1. Prepare your stem or leaf cuttings as previously outlined.
  2. Use a small pot (with enough drainage holes) filled with well-draining potting soil. 
  3. Optionally, apply rooting hormone to the base of each cutting. This can increase the likelihood of successful root initiation, helping the cutting develop into a healthy, viable plant more quickly and effectively. 
  4. Insert the cuttings into the soil and make sure 3 to 4 nodes are buried. 
  5. Water the cuttings moderately but consistently to keep the soil from becoming too dry.
  6. To increase humidity, especially if your indoor environment is dry, cover the cuttings with a clear plastic bag to simulate a greenhouse effect and maintain moisture. Or, use a plant humidifier for the best output. 

Common Issues When Propagating Money Trees 

Propagating money trees is not a complex process, but sometimes you may come across a share of challenges, including the following ones: 

Root Rot: This is one of the most common problems when propagating money trees, particularly in water. Root rot occurs if the water is not changed frequently enough or if the cuttings are placed in overly wet soil. Signs include blackened, mushy roots and a foul odor. To prevent root rot, ensure the water is fresh and the soil is well-draining.


Leaf Drop: It's normal for some older leaves to turn yellow and even fall off during the early stages of propagation, especially when adjusting to a new environment. However, excessive leaf drop might indicate stress from too much direct sunlight, drastic temperature changes, or improper watering. 

Lack of Root Development: Sometimes, cuttings fail to develop roots due to various factors such as the age of the cutting, the environmental conditions, or insufficient use of rooting hormone. Ensuring cuttings are healthy, using rooting hormone, and maintaining optimal humidity and temperature can address this problem.


Propagating a money tree is a rewarding endeavor that enhances your gardening skills and improves your indoor garden. This post covers the mainstream two ways to propagate a money tree at home. Whether you multiply the fortune plants in water or soil, with patience and care, you can have a thriving money tree that brings a sense of peace and prosperity to your home.


About Ciki

Ciki has been navigating the digital world of SEO for over 3 years, applying her expertise originally in the software sector before turning her attention to indoor gardening. Merging her tech-savvy background with a passion for nature, Ciki offers a unique perspective on gardening, blending modern techniques with time-honored traditions.

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