How To Grow a Money Tree From a Cutting in 5 Steps!

Last Updated on September 20, 2022 by Griselda M.

This is a guide on how to grow a money tree from a cutting and learn how to choose the perfect cutting to produce the perfect plant.

Growing a money tree from cutting is easy.  Just like any other tree, you simply need the right growing conditions and a healthy cutting to get this plant started. It’s very easy to grow from cuttings so long as you have a good cutting, the right growing medium, and the right amount of sunlight.

Pachira Aquatica, commonly known as the money tree has existed and been grown for many years.  However, there are not many people who know about this plant and that is why we are here to help you learn more about it.  It is a plant that is easy to grow, requires little maintenance, and will last for many years. It can last between 10-15 years and can live for up to 30 years in the wild.

The best part about this plant is that you can buy a cutting and grow it into a money tree. In this guide, we will cover everything about how to grow a money tree from a cutting.

How To Grow a Money Tree From a Cutting?

Step 1: Get your cutting ready

You can either prepare your cutting or buy one that is already prepared for you. The advantage of preparing your own is the fact that you get to choose what tree to get the cutting from and the kind of preparation to give your tree. If you buy one, you have to take it as is.

To prepare your cutting, choose a branch that is healthy without any disease or issues. Remove the leaves and set the cutting ready for propagation.

Step 2: Prepare the cutting for rooting

Prepare the cutting for rooting by removing the leaves of the cutting and trimming the stem to an appropriate length. Now, take a small piece of cloth and soak it in warm water. Take out the cutting and place it on the cloth.

Now, wrap the cutting in the cloth. Place the wrapped cutting in a pot or tray. You can keep it for germination in a pot or you can put it in a tray filled with moist soil. The soil should be moist but not wet and kept warm. The soil temperature should be around 80 degrees Fahrenheit.

Step 3: Root the cutting

After 24 hours, take the cutting out of the soil and place it on a plant saucer. Put it in a dark location that is warm and humid. You can use a black plastic bag to keep the humidity.

In a few days, you will see the cutting sprouting roots. In about three weeks, you will start to see the stem start to grow. Keep it in the same conditions until the stem grows to a height of about 5-6 inches. It is now time to plant your money tree.

Step 4: Planting your money tree

Take the stem from the pot or tray. Remove the cloth from the stem and keep it aside. Take the money tree cutting and plant it in the soil, in a hole that is 3-4 inches deep.

Make sure that the hole is large enough for the roots to grow. Add some compost and soil to the hole. Make sure the soil is moist but not wet.

The soil should be warm as well. The soil temperature should be around 80 degrees Fahrenheit. Planting your money tree

Learn more about: How To Get Rid Of Bugs On Money Tree?

Step 5: Keep the soil moist

You can water your money tree with a sprinkler or you can put some water in a watering can and pour it on the money tree. Keep the watering schedule to once every day or water as needed. You need to keep the soil moist so that the roots can grow. If the soil dries out, it will stop the roots from growing.

Money Tree Care

Once your money tree has started to grow, you need to keep it in the same conditions as described above.


The soil temperature should be between 60 and 70 degrees Fahrenheit. The soil should be moist but not wet.


It is now time to start fertilizing your money tree. Fertilize your money tree at least once a month with a balanced fertilizer.


Water your money tree when it needs water. Keep it moist but not too wet. If you water your money tree often, the tree will grow fast.

Inspect your money trees every day or from time to time to see if they need any help and to check for insect and bug infestations. When you find something wrong, take care of it right away. If your money tree needs any other help, ask for it and someone will take care of it for you.

Read more about: How to Plant Yucca Cuttings?

In Summary – How To Grow A Money Tree From A Cutting

Money plants are easy to grow, require low light, and are drought tolerant. They are an excellent choice for beginners who want to start growing their own indoor plants.  The above guide on how to grow a money tree from a cutting should make your journey easy.

All the best in your gardening journey!

Frequently Asked Questions

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

If you are using the plant from seed, it will take about three weeks. The cuttings should be rooted in a warm greenhouse and misted daily for the first two weeks. If you are using cuttings taken from other plants, you can expect one week of rooting. After this time, the cuttings should be potted into individual pots and moved to a larger pot.

Can you cut and replant a money tree?

Yes, but you must wait at least one season before you attempt to repeat this process. A healthy, established, mature money tree with good roots and good soil. A large container is preferred.

Does money plant grow better in water or soil?

Money plants can grow well in either soil or water. You just have to decide which growth medium to use and do not transfer them between the two as they may struggle to adapt.

How do you know if a money tree is healthy?

Money plant has leaves that are very dark green. It also has a lot of flowers, many stems and no dead leaves. A money plant should have a strong root system, which should be able to reach down into the bottom of the pot. If the money plant has weak roots, it may signal a problem.