PlantRx

Money tree dying

By Karim DiabatePublished Updated How these guides are built

Before anything else, find out whether the plant is actually dying. A money tree can look finished from above and still be perfectly alive below, and the checks below tell you which situation you are in before you decide whether to intervene or to start again from a cutting.

A healthy Money Tree, photographed for reference
A healthy money tree for comparison. This is a reference photo, not a picture of the problem. Photo by Dennis G. Jarvis (CC BY-SA 2.0), via Wikimedia Commons.

What is specific to this plant

  • It is sold as a swamp plant, which misleads people into watering heavily. In a pot indoors, too much water is by a distance the most common problem.
  • Almost every money tree comes in a decorative outer pot with no drainage, and water held out of sight in that pot is the classic way one is lost.
  • Press the trunk at the soil line. A hard trunk means a plant that can releaf even if it is bare; a spongy one is the point at which most are lost.

What it could be, and how to tell

These look alike in a photograph, so each one below lists what you would ALSO see if that is the cause. Work down the list and stop at the one where the other symptoms match too.

most common

1. Overwatering, and the root rot that follows

What else you would see

  • one strand of the braided trunk going soft while the others stay hard
  • leaves dropping green from the lower part of the canopy
  • a mix that stays wet inside a decorative outer sleeve
How to confirm it: Slide the plant out of its pot and look at the roots. Healthy ones are firm and pale. Brown, soft, or hollow when you press them means rot, and that changes what you do next completely.

What to do

  1. Stop watering and let it dry down this far: the top half of the pot.
  2. Check that the pot drains and empty any saucer or decorative outer pot it sits in. Water held out of sight keeps the mix wet whatever you change above it, and it stays invisible until you lift the pot.
  3. If the roots are soft and brown, trim them back to firm tissue with a blade sterilised first and repot into fresh free-draining potting mix.
common

2. A bare plant whose trunk is still hard

What else you would see

  • every leaf dropped, over weeks, leaving bare stems and a plait
  • the trunk still hard when pressed at the soil line and along its length
  • green under the bark when you scratch a stem lightly with a thumbnail
  • buds still visible as small bumps where the leaves were attached
How to confirm it: Press the trunk hard at the soil line and scratch a stem with a thumbnail before you decide this plant has gone. A money tree carries its reserve in a thick woody trunk rather than in its leaves, so it can stand bare for months and then releaf, which is not true of most of what is grown indoors. Hard trunk and green under the bark means a living plant. Spongy at the base means the store itself has rotted, and that is the point past which they are not saved.

What to do

  1. Cut each stem back to where the scratch test shows green, and leave the trunk alone.
  2. Move it to the brightest spot you have and water only when the top half of the pot has dried, because a plant with no leaves is using very little.
  3. Give it months rather than weeks, and do not feed it or repot it while it is bare.
common

3. Underwatering

What else you would see

  • leaflets folding downward from the tips of each hand
  • the whole canopy dulling at once rather than one leaf going at a time
  • a trunk that stays hard while the pot has gone very light
How to confirm it: Dry soil pulled away from the pot wall, with foliage that improves noticeably within a day of a thorough soak. If a thorough watering changes nothing in twenty four hours, stop assuming thirst and check the roots.

What to do

  1. Water thoroughly until it runs freely from the drainage holes, rather than a splash at the surface.
  2. If the mix has gone water-repellent and the water runs straight through, stand the pot in a basin of water for half an hour to rewet it properly.
  3. Water on dryness rather than on a fixed day of the week, and this is how far it should dry: the top half of the pot.
less common

4. Not enough light

What else you would see

  • long bare stretches of stem between the leaves
  • each new leaf smaller than the last
  • lower leaves shed while the growing tip carries on
How to confirm it: Stretched growth and shrinking new leaves together, on a plant whose watering is otherwise right. Money tree wants bright indirect light.

What to do

  1. Move it to bright indirect light.
  2. Cut back the stretched growth. It will not compact again on its own, and cutting back is what triggers branching.
  3. Turn the pot every couple of weeks so it grows evenly.
less common

5. Cold or a draught

What else you would see

  • damage that appeared within a few days of a cold snap, or of the heating or air conditioning coming on
  • the plant sits near a window, an exterior door or a vent
  • the damage is worst on the side facing the cold
How to confirm it: Sudden onset on the exposed side only, following a temperature change. A leaf resting against cold glass overnight is enough to do it.

What to do

  1. Move the plant away from the glass, the door or the vent.
  2. Damaged tissue will not recover. Leave it unless it turns soft, which is the point at which it can start to rot.
uncommon

6. Spider mites

What else you would see

  • fine pale stippling or speckling across the leaf rather than solid patches
  • very fine webbing where the leaf meets the stem
  • a dusty look to the underside of the leaf, worst in warm dry air
How to confirm it: Hold a sheet of white paper under a leaf and tap it sharply. Specks the size of dust that then move are mites. The stippling is what separates this from any watering problem.

What to do

  1. Isolate the plant from your others straight away, before anything else.
  2. Rinse the leaves thoroughly, undersides included, with a strong spray of water, and repeat every few days. Mites breed faster than a single treatment can keep up with.
  3. Raise the humidity around the plant. Mites thrive in warm dry air and struggle in humid air.
  4. If you choose to use a treatment product, follow the label on it exactly. The label is the legal instruction and it overrides anything written here.
uncommon

7. Rootbound, or soil that is worn out

What else you would see

  • roots circling the inside of the pot or escaping the drainage holes
  • water running straight through with almost no absorption
  • two or more years in the same pot, and smaller new growth each season
How to confirm it: Lift the plant out and look. A dense mat of circling roots with very little mix left means the pot can no longer hold what the plant needs.

What to do

  1. Repot one size up in spring into fresh free-draining potting mix, teasing the outer roots loose.
  2. Feed during the growing season, following the instructions on the label of whatever you buy.

Common questions

How do I tell if my money tree is dead or just struggling?

Look below the foliage. Firm roots that are firm and pale, and a firm stem or base, mean a living plant that can regrow even if it is bare. Everything soft, brown and collapsing means the plant has gone, and the honest answer is to start again.

Is it worth taking cuttings?

Often, and sooner rather than later. If any stem is still firm and green, a cutting taken now has a far better chance than the parent does, and it costs you nothing to try both at once.

Should I repot a plant that is struggling?

Only if the roots are the problem. Repotting is stressful and a plant that is struggling for light or water does not benefit from it. If the roots are rotting, repotting is the treatment rather than an extra stress.

Before you act on any of this

This is general plant care guidance for a plant, not advice about people or animals. We never tell you whether a plant is safe to eat or touch, and we never tell you a plant is safe for a child or a pet. If a child or animal may have eaten any part of a plant, contact Poison Control (US 1-800-222-1222) or a vet immediately rather than reading further.

Treatment advice here is deliberately category level. We do not give product names, mixing ratios or application intervals. Whatever the label on the product in your hand says is the instruction that counts, and following it is your responsibility.

Where this comes from

The general horticultural facts behind this differential come from published university extension and Royal Horticultural Society guidance. What is specific to this plant, and the order the causes are ranked in, is ours, and the methodology page says where that reasoning stops being reliable.

Other money tree problems

Not sure which one it is?

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