PlantRx

Money tree root rot

By Karim DiabatePublished Updated How these guides are built

Root rot on a money tree is a drainage problem before it is a disease. Roots sitting in mix that never dries suffocate first and rot second, so the fix is as much about what the plant is potted in as about the roots you cut away.

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. A mix that never dries out

What else you would see

  • mix still wet days after watering, when this much should have dried: the top half of the pot
  • a heavy pot, and a dense mix that has compacted down
  • a sour or musty smell from the surface
How to confirm it: Push a finger well into the mix a few days after watering. If it is still wet down there, the mix is the problem and no change in watering habit fixes it on its own.

What to do

  1. Take the plant out and remove all of the old medium.
  2. Cut back every root that is brown, soft or hollow, using a blade sterilised first, back to firm tissue.
  3. Repot into fresh free-draining potting mix, in a pot with real drainage, sized to the roots that remain rather than to the old pot.
  4. Water sparingly until new growth appears.
common

2. A swollen base holding water the mix is holding too

What else you would see

  • the trunk noticeably fatter just above the mix than it is higher up
  • that swelling soft, spongy or wrinkled when you press it, rather than hard
  • bark at the soil line darkened, loose or peeling away
  • the plant declining slowly over months with the mix rarely drying out
How to confirm it: Press the trunk hard with a thumb right at the soil line, and again a hand's width higher. A money tree stores water in that swollen base, which is why it copes with being forgotten and why it is the first thing to go when the mix stays wet. Hard at the base means a plant that can be saved even if the roots are poor. Spongy there means the rot has reached the store itself, and that is the point most are lost at.

What to do

  1. Stop watering immediately and take the plant out of any decorative outer pot, which on this plant is very often where the water is sitting.
  2. Tip it out, cut every soft root back to firm tissue with a sterilised blade, and cut away any bark that lifts off the base.
  3. Repot into fresh free-draining mix in a pot sized to the roots that remain, and let the top half of the pot dry before watering again.
  4. Take cuttings from any firm green growth above the damage while the plant still has some, rather than after.
common

3. Watering on a schedule instead of on the plant

What else you would see

  • a fixed weekly routine regardless of season or light
  • the mix never actually reaching the dryness this plant wants: the top half of the pot
  • the problem arriving in winter, when the plant is using far less water
How to confirm it: Check whether it has ever dried this far between waterings: the top half of the pot. In winter, in lower light, the gap between waterings should get noticeably longer, and a fixed schedule is what drowns plants that were fine all summer.

What to do

  1. 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.
  2. Expect the interval to stretch in winter and shorten in summer.
less common

4. Water standing under the pot

What else you would see

  • a decorative outer pot or cachepot with no drainage hole
  • a saucer that is rarely emptied
  • rot starting at the very base of the plant rather than at the root tips
How to confirm it: Lift the inner pot out of the outer one and look. Standing water there is one of the most common ways a houseplant is lost, and it is invisible until you check.

What to do

  1. Always let the pot drain fully, then tip out whatever collects underneath.
  2. Water in the morning so any excess has the day to drain and evaporate.
less common

5. A pot far bigger than the root ball

What else you would see

  • a recent move into a much larger pot
  • mix at the outside of the pot staying wet for weeks
  • the plant looking worse rather than better since it was repotted
How to confirm it: Mix with no roots in it holds water indefinitely, because nothing is drinking from it. A plant recently moved up two or three pot sizes is sitting in a reservoir.

What to do

  1. Repot back down to a pot only slightly larger than the root ball, in fresh free-draining potting mix.
  2. Go up one size at a time in future.

Common questions

Can a plant recover from root rot?

Often, if enough firm root remains and the mix is changed at the same time. Cutting rotted roots away while leaving the plant in the mix that caused it is the usual reason a rescue fails.

How far back should I cut?

Into clean firm tissue, every time. A root that is soft, brown or hollow is already gone, and anything left behind carries on rotting in the fresh mix.

Should I use a fungicide?

The reliable part of the fix is mechanical: remove the rotted tissue and the waterlogged medium, and repot into something that drains. If you choose to use any product, follow the instructions on its label exactly, since the label is the legal instruction and overrides anything written here.

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

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