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Propagating Money Tree: A Guide to Growing Your Fortune

Propagating money trees, scientifically known as Pachira aquatica, is a rewarding experience for both novice and experienced gardeners.

Money trees have gained widespread popularity as a houseplant due to their attractive appearance, low maintenance needs, and connotations of good luck and prosperity in Feng Shui.

In this article, you’ll discover the best methods to propagate money trees to expand your collection or share as meaningful gifts for loved ones. By following the proper techniques, your thriving money tree will serve as a symbol of luck and prosperity for years to come.

Propagating Money Tree

Understanding Money Trees

Money trees, scientifically known as Pachira aquatica, are native to South America, specifically in the swamps and wetlands. They belong to the family Malvaceae and are well-known for their distinctive braided trunks that add an aesthetic touch to any indoor space.

As indoor plants, money trees are relatively easy to care for and are believed to bring good fortune to those who nurture them. They can adapt to a variety of conditions and thrive as long as they receive proper care.


In their natural environment, money trees can grow up to 60 feet tall, but as indoor plants, they generally reach heights of three to six feet.

The braided trunk of the money tree is an appealing feature that makes it widely popular among plant enthusiasts. This structure is achieved by intertwining the trunks of several young plants while they are still flexible, eventually fusing together to create a beautifully braided appearance.

Braided Money Tree Trunk

The money tree’s shiny, green leaves also complement the intricate design of the braided trunk.


In addition to its visually appealing characteristics, money trees boast beautiful flowers that bloom on mature plants, producing large seed pods. These seed pods can be harvested and used for propagating new money trees, allowing for an endless supply of these distinctive plants.

Soil Propagation Method

Soil propagation is a reliable method for growing new money tree plants from cuttings.

Stem Selection

To start, select a healthy growing green stem that is at least six inches long and has two to three nodes. The nodes are the bumps or knots where new leaves grow. Carefully remove any leaves from the lower third of the stem, ensuring no damage is done to the nodes.


Prepare a well-draining potting mix made up of regular potting soil, vermiculite, and small-sized pebbles to facilitate proper drainage. This mix can also be substituted with a soilless medium if desired.

Money Tree Soil

Select a container with adequate drainage holes to prevent water stagnation, as this can lead to root rot. Fill the container with the prepared potting mix or soilless medium.


Moisten the potting mix by watering it lightly before inserting the cutting. To help the cutting develop roots more easily, it’s recommended to dip the cut end in a rooting hormone before planting. Make a small hole in the prepared potting mix, insert the cutting, and gently firm the soil around it to provide support.


Place the container in a brightly lit area, but avoid direct sunlight, as it may cause the cutting to dry out. Keep the potting mix consistently moist, but not waterlogged.

Providing humidity by covering the plant with a plastic bag or placing it in a mini-greenhouse can be beneficial for the propagation process.


In a few weeks, the cutting should begin to develop roots. To check for rooting, gently tug on the stem. If there’s resistance, it’s a sign that roots have formed.

Once the cutting has developed a strong root system and started to show new growth, transplant it into a larger container with drainage holes and filled with the same well-draining potting mix used for propagation.

Water Propagation Method

Water propagation is a simple and effective technique for propagating money trees. By submerging a healthy stem cutting in fresh water, the plant can develop new roots and eventually grow into a new money tree.

The following paragraphs describe the steps and considerations necessary for successful water propagation of a money tree.

Stem Selection

Firstly, choose a healthy stem cutting with at least two nodes, which are the points where leaves emerge from the stem. Using sterilized pruning shears, cut off a six-inch long piece from the parent plant, ensuring that it has two to three nodes.

Money Tree

Trim off the lower leaves from the cutting, leaving a few at the top to prevent them from rotting in the water.


Next, prepare a container filled with fresh water, ensuring that the water level is high enough to submerge the bottom leaf nodes. Place the stem cutting in the water with the cut end facing downwards and ensure that all the nodes are submerged.

The container should be kept in a warm, well-lit location, away from direct sunlight.


It is crucial to maintain optimal conditions for the plant during the propagation process. Monitor the water level and make sure to top it off if needed, as the water can evaporate or be absorbed by the cutting.

Replace the water with fresh water regularly, about once a week, to prevent the growth of algae and bacteria, which can hinder the rooting process.


Roots will begin to form at the submerged nodes within a couple of weeks, and the cutting should be left in water until the roots are approximately one to two inches long. Once the roots reach this length, the new money tree plant can be transferred to a pot with well-draining soil, as this will provide a more suitable environment for continued growth.

By following these steps and closely monitoring the propagation process, a new, healthy money tree plant can be successfully grown using the water propagation method.

Feng Shui and the Money Tree

It is believed that both the tree itself and the process of caring for it can bring great fortune and luck to its owner. The distinct braided trunk of the Money Tree is said to “lock in” the luck, making it a powerful symbol in the practice of Feng Shui.

Feng Shui

People who adhere to Feng Shui principles often place the Money Tree in specific areas of their homes or offices to attract wealth and prosperity. The Bagua, an energy map used in Feng Shui, is commonly utilized to determine the best location for the plant.

One such location is the wealth and prosperity area, which is typically found in the southeast corner of a space. Placing a Money Tree here is believed to help improve financial success and attract new opportunities.

Frequently Asked Questions

How to propagate a money tree in soil?

To propagate a money tree in soil, first take a six-inch branch cutting with several leaf nodes. Remove the leaves on the lower third of the cutting, and dip the cut end in rooting hormone. Plant the cutting in a moist soil mix, and keep it in a warm, bright location.

Ensure consistent moisture in the soil, but avoid overwatering. Within a few weeks, the cutting should establish roots and begin to grow.

Where should I cut a money tree for propagation?

Choose a healthy stem for propagation that’s at least 6 inches in length and has several nodes. Use clean, sharp scissors or pruners to make a cut at a 45-degree angle just below a node.

This will help maximize the surface area for rooting and improve the chances of successful propagation.

What is the process of propagating a money tree succulent?

The process of propagating a money tree succulent is similar to propagating Pachira aquatica, another species commonly called money tree. Take a cutting from a healthy branch with several nodes, remove the lower leaves, and dip the cut end in rooting hormone.

You may either place the cutting in water or plant it directly in moist soil. Keep the cutting in a brightly lit location with consistent warmth.

Can a money tree successfully grow in water?

Yes, money trees can be propagated and grown in water. After taking a cutting with several nodes, remove the lower leaves and place the cut end in a container with water.

Ensure the water remains clean by changing it every few days. Roots will start to form within a few weeks. Once the roots are well-established, you may transplant the cutting into soil if desired.

How long does it take for a money tree to root?

The time it takes for a money tree to establish roots varies depending on the method used and environmental conditions. Generally, it takes between four and 12 weeks for cuttings to form roots in soil or water.

Keep the cutting in a well-lit, warm, and humid environment to encourage faster root development.

Why might a money tree struggle with rooting?

A money tree may struggle with rooting due to several factors, such as inadequate light, poor temperature conditions, or excessive moisture.

Ensure the cutting is placed in a bright location with consistent warmth and humidity. Monitor the soil or water moisture level to prevent overwatering, and avoid letting the soil dry out completely. Additionally, using a rooting hormone can improve the chances of successful propagation.

Wrapping up Propagating Money Trees

Money trees are wonderful candidates for propagation and make beautiful elements of Feng Shui. Enjoy propagating your money trees and don’t forget to gift some to friends and family!

Interested in propagating more plants? Check out our guide to propagating prayer plant.