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Propagate Money Tree Like a Pro: Top Techniques for Success

The Money Tree encompasses human-hand-like leaves with large, showy, yellowish-white flowers embracing five petals.

However, you can propagate this plant easily if you want more Money Trees at home.

Generally, there are two methods of breeding Money Tree, including propagation through cuttings and seeds. The cuttings may take 1.5 to 2 months to root, while seeds may only need 2-4 weeks to germinate. 

Stay tuned to the article to learn how to expand the Money Tree population.

Why Propagate Money Tree?

Propagating Money Trees also helps plants, enabling them to rejuvenate from upshots like disease outbreaks.

Money Tree Plant
Transplanting helps Money Tree to revive from various environmental problems by taking cuttings from a healthy mother plant.

Let’s look at some benefits you can leverage through propagating Money Trees.

  • Propagating Money Trees from cuttings allows the plant to sprout their roots quickly.
  • Stem cuttings adorn leaves in no time and soon reach flowering maturity.
  • Baby Money Trees grown from cuttings will be genetically identical to the mother plant, excluding the chance of hybridization.
  • Besides, you can grow plants in water and soil, which is difficult to achieve via seeds.
  • If the mother plant is diseased, you can easily save it and grow a new Money Tree from the healthy cuttings.

Best Time to Propagate Money Tree

As for Money Trees, light is important for the leaves and roots total fledge growth.

So, you must wait for the right season when the cuttings can get enough sunshine to flourish.

Transplanting the cuttings in cold soil in winter is not a decent time, as it may cause frost injury to the delicate tissues.

The best time to propagate Money Tree is from early spring to late summer (March to August).
Image represents propagated Money Tree seedlings
The ideal time to propagate Money Trees is when the surrounding is warm and full of sunshine.

Also, the plants must sustain a surrounding temperature between 65°F and 75°F.

But you shouldn’t take this risk with the cuttings as they are in the maturity phase.

Money Trees are flexible species with promising growth in zones 10 and above. 

How do You Propagate a Money Tree?

Experienced growers don’t take a chance growing Money Trees and always desire healthy stem cuttings.

We will also discuss the other parts for propagation, like seeds with fewer fruitful propagation odds.

Materials Required to Propagate Money Tree

You need sterilized equipment to propagate Money Tree, such as gloves, pruners, isopropyl alcohol, terracotta pots, zip-lock bags, cactus potting mix, and coarse sand.

1. Propagation via Stem Cuttings

First, select a healthy green stem and omit the brown or dried branches.

If there are plenty of green branches, you can spare a few to increase the chance of propagation.

Money Trees must be in a juvenile state for you to take the cuttings, and it’s hard to find the proper materials from a mature plant.

Simply snip about 6 inches long cutting using sterilized pruners at an angle of 45°, having 2-4 leaf nodes at the bottom.

Image signifies stem cuttings for propagating Money Trees
Borrow green and non-woody stem cuttings from the mother Money Tree plant to ensure successful propagation.

After procuring the cuttings, remove the top leaves, wrap the cut ends in a paper towel, and place the paper towel ends in a plastic bag to keep them hydrated.

Also, it’s ideal for taking cuttings in the morning when there is enough moisture on the parts.

A. Propagation in Water

Take 6 inches of cuttings with 2-4 leaf nodes at the bottom and follow these simple steps.

  • Grab a clean and transparent narrow-necked bottle.
  • Prepare a rooting hormonal solution in distilled water per the pack’s instructions.
  • Place a one-third length of the cutting inside the water.
Image showcases the propagation of Money Tree in water
Remove the topmost leaves from the cuttings or keep the leaves as it is to propagate the cuttings in the water.
  • Keep the stem cutting in an area that receives dappling sunlight.
  • Refill the bottle with a new hormonal solution every 3-4 days.
  • Wait for a few weeks to observe the root growth.
  • Once the roots grow about 1-2 inches long, transfer the cutting to a pot with cactus potting mix.

You can easily place multiple cuttings in the bottle, but ensure not to cram many as it may cause the cuttings to suffocate.

Cuttings with leaves at the top can also be propagated similarly, as mentioned above, but the cuttings may take longer to develop roots.

B. Propagation in Soil

This method is less troublesome, and you do not need to change the growing container.

  • Prepare a cactus potting mix in a terracotta pot with drainage holes. 
  • Poke 2-3 inches deep holes in the soil using chopsticks.
  • Dip the cutting ends in rooting hormone powder.
  • Place the cuttings in the soil with the cut ends facing down.
  • Use a wide zip-lock bag to cover the cutting from the top and the pot to maintain the humidity.
  • Locate the setup in bright indirect sunshine for 4-8 weeks until they develop roots.

It takes 5-6 weeks for cutting roots to grow visible and another few weeks to transplant them to a new container!

You can also learn the methods of propagating Money Trees from stem cuttings from this video.

2. Propagation via Seeds

Indoor Money Trees rarely set the seeds, but the one growing in the garden can readily set them after flowering.

Generally, each Money Tree plant forms oval and green pods that harbor the seeds in spring and fall.

When the seeds mature, the pods split open longitudinally, and the seeds become visible.

  • Fill the 6-8 inch wide terracotta pots with potting soil, coarse sand, and perlite in a ratio of 5:2:1 and blend with distilled water.
  • Make a hole about one-fourth of an inch deep using chopsticks and place the seeds into the holes.
  • Locate the pots in a south-facing window and cover them with a zip-lock bag to sustain humidity and warmth.
  • After 14-28 days, the seeds will sprout. Remove the heating mat once the seedlings emerge.
  • When the seedlings develop the first set of true leaves, move the seedlings to a spot that receives dappling sunlight.

Money Tree seeds don’t require pretreatments before germination.

You can propagate the Money Tree seedlings for one growing season under bright, indirect sunlight.

Tips to Take Care of Money Tree after Propagating

The seedlings and cuttings are most vulnerable in their growth stage and require much tending as they mature.

  • Make 45° while taking the cuttings so that the surface area for the root development increases inside the soil.
  • Maintain pH levels between 6 and 7.5 in the soil.
  • Keep the seedlings indoors to harden for the first growing season and transfer them outdoors in the second.
  • Sustain humidity levels around 50-70% indoors.
  • Forgo pruning for the first year until the plant develops foliage and continue normal pruning in the following spring and summer.
  • Repot Money Tree every once in 2-3 years when the plant is root bound. Use 2 inches wide container every time you do the transplant.
  • Cut back the fertilizer application in fall and winter.
  • Water every once a week in spring and summer and every 2 weeks in fall and winter.
  • Spray neem oil on the stem cuttings or after they develop new leaves once a month to keep the diseases and pests at bay.

Is your Money Tree showing alarming symptoms of brown leaves and dying? Protect the plant by securing all the basic care to help it prosper.

From Editorial Team


Braid your Money Tree after the cuttings develop 6-8 inches of new growth with leaves.

Additionally, ensure the correct requirements, like sunlight, watering, soil, and fertilizer, are maintained.

Happy Gardening!

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