best soil for money tree

Best Soil for Money Tree to Promote Healthy Growth

Ian Mutuli
Updated on
Ian Mutuli

Ian Mutuli

Founder and Managing Editor of Archute. He is also a graduate architect from The University of Nairobi, Kenya.
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You might be looking forward to planting money trees, but you don't know the suitable soil to use, or you already have your money tree but finding the suitable soil is an issue. You don't have to worry anymore; this article will guide you through. The best soil for money tree will offer the proper environment for a healthy plant, and using the best one will keep your plant disease-free by supplying sufficient nutrition for money trees' growth and development.

What is a Money Tree Plant?

Pachira Aquatica, commonly known as the money tree, is a tropical wetland plant in the bonsai species, native to central and South America, growing in swamps. Nowadays, money trees are commonly found in homes and offices due to their ability to survive with little care. So if you have suitable soil, your work will be growing it. It's believed that if you grow money trees in an area that's exposed to areas concerning money, the plant will bring the owner luck and fortune.

1. Indoor Potting Mix by Miracle-Gro, Grows Houseplants.

Miracle-Gro Indoor Potting Mix 6 qt., Grows beautiful...
  • Blended for a wide variety of container plants
  • Feeds up to 6 months
  • Designed to be less prone to gnats (Contains no compost or bark,...
  • Contains coconut coir, which holds and releases water and helps...
  • For use in containers

If you're looking for the best soil for money tree that you can use to grow the plant indoors, count on the Indoor Potting Mix by Miracle-Gro. This potting soil mix is high quality and caters to many plants, including money trees. So, if your money tree needs recovery from a high state of stress like overwatering, pest infestation, or fungal infections, this potting soil mix is the real deal.

This potting mix contains no bark, so you don't have to worry about flies or pests like fungus gnats. It also contains a good amount of coconut coir, ideal for holding and releasing water once the soil is hydrated. Lastly, comes in a resealable pouch for easy use.


  • Ideal for indoor plants
  • Perfect for money tree recovering from problems like root rot, pest infestation, and overwatering
  • Offers proper draining of water and help to retain moisture


  • Kills young plants

2. Perfect Plants Bonsai Soil Premium All-Purpose Mix

Bonsai Soil by Perfect Plants - 2qts. | Premium...
  • 🌟 ESSENTIAL NUTRIENTS — Your Bonsai will be Living in this...
  • 💧 WATER MANAGEMENT— Fantastic Water Control for Bonsai's and...
  • 🇺🇲 PROFESSIONALLY MIXED IN THE USA — From the Growers at...
  • ✅ 2 QUARTS — Perfect for a Single Bonsai Tree Container
  • ⚙ HEAVY DUTY, RE-SEALABLE BAG — Keeps the Soil Fresh, Easy...

Money trees come from the bonsai tree species making this bonsai soil by Perfect Plants the best soil for money tree. This soil is a multi-purpose mix that can offer your money tree essential nutrients to keep the soil in the best condition possible. Moreover, the soil contains all-natural ingredients and helps retaining moisture within the soil mix so that the plant roots don't go dry. Besides being perfect soil from money trees, you can use it on redwoods, Junipers, pine, and cedar trees.

The soil mixture usually offers the ideal balance to enrich the plant roots and protect them from diseases like root rot and bacteria infections. And not only will your plant get a ton of minerals and vitamins, but you can also use it in combination with other soil mixtures to offer your plant optimal nutrition. Moreover, two quarts of this soil are perfect for a single money tree container.


  • Contains all-natural ingredients that the plant requires
  • Help in retaining moisture with the soil mix
  • Protect the plant from diseases like root rot and bacteria infections


  • Contains large pieces of bark and organics

3. Tiny roots Bonsai Soil Mix - All-Purpose Organic Mixed Bonsai Tree Blend

Bonsai Outlet Bonsai Soil Mix - Tinyroots All Purpose...
  • ✔️ Created By Bonsai Experts: All-Purpose bonsai soil blend...
  • ✔️ Remember: Bonsai Soil is NOT Plant Soil. Mixed and bagged...
  • ✔️ Soil Consistency: Provides proper draining of water and...
  • ✔️ Bonsai Soil Mix: Ready to use & formulated with 100%...
  • ✔️ Tinyroots All-Purpose: Has been formulated for beginners...

If you are looking for the best soil for money tree that's versatile, count on the Bonsai Soil Mix by Tinyroots. This soil blend by Tinyroots contains a mixture of red lava rock, pumice, and Akadema. It's 100 percent organic and formulated with double-sifted compost containing calcined clay, frit, and vermiculite. This soil is perfect for bonsai plant species like a money tree. So, if you are looking for a professional strength soil blend, count on this soil for your money tree.

The soil offers proper draining of water and helps to retain moisture. Also, this money tree soil has been formulated for newbies or those looking for a starter money tree or bonsai plant. In addition, it offers your plants essential nutrients for everyday development. Lastly, it is available in multiple sizes and comes in a resealable pouch for easy use.


  • Versatile type of soil
  • It's 100 percent organic
  • Offers proper draining of water and help to retain moisture


  • Drains too fast

4. Rio Hamza Money Tree Soil, Soil for Planting or Repotting Money Tree

Money Tree Soil, Soil Mix for Planting or Repotting...
  • Hand Blended Money Tree Soil- Hand blended soil perfect for...
  • One Gallon Bag- One gallon of money tree soil is great for...
  • Great for Replacing Original Soil from the Store- Many times the...
  • All Natural Ingredients- Peat, Bark Nuggets, Worm Casting,...

If you are looking for the best soil for a money tree that you can use to plant or repot the plant, count on the Money Tree Soil by Rio Hamza. One gallon bag of this soil is suitable for planting or repotting your money tree. Besides, this quantity of soil is sufficient to plant one to two medium money trees. Moreover, the soil blend offers your plants with essential nutrients for everyday development compared to original soil from other brands.

The soil contains all-natural ingredients, including bark nuggets, worm casting, lime, peat moss, lime, and perlite, perfect for growing pour money trees. The peat moss mixture is also ideal for money trees recovering from problems like root rot and overwatering.


  • Contains all-natural ingredients perfect for growing pour money tree
  • Ideal for planting or repotting your money tree
  • Perfect for money tree recovering from problems like root rot and overwatering.


  • Poor packaging

What Are the Best Conditions for Growing a Money Trees?

Money trees usually require active care they are few locations in the US that match the tree's native habitat. For the tree to blossom as an outdoor plant or houseplant, ensure you provide it with the following.

1. Bright indirect light

Money trees need daily indirect sunlight since direct one will since direct sunlight will scorch their leaves. They also grow naturally in slightly lower light, so provide a similar environment in your home; however, the tree will grow more slowly with low light. This is when you decide to keep the money tree as a houseplant or planting it in a partly covered outdoor location. Additionally, it is wise to rotate the tree with each watering so the leaves get a little light.

2. High humidity

Money tree plants usually grow in tropical wetlands like central and south American areas, so they do well in high humidity. They require moisture just as much as they need indirect sunlight. Misting the money tree plant is an excellent way to keep its environment humid and its leaves clean. Besides, keeping the money tree plant in a room with a humidifier can accomplish this for you. However, we recommend you keep them away from cooling or heating vents and space heaters. You can also make a pebble tray by filling a shallow tray with pebbles and water and putting the plant on top. Avoid letting the soil or roots touch the water.

3. Fertile soil

You can grow your money tree plant in a potting mix that contains fertilizer and peat moss. We recommend adding liquid fertilizer every month during the growing season. However, hold off on fertilizing during the winter season.

4. Temperature

Money tree plants don't prefer cold, so we recommend keeping them well away from drafts. If not so, they may drop their leaves. Instead, they prefer 65-80 degrees of temperature.

5. Water

Allow the top 2-4 inches of your money tree plant's soil to dry out in between waterings; however, don't allow it to go for very long in this state. When it's appropriate time to water, add water to the soil till it begins to drain out the bottom, then go ahead and empty the drainage tray instantly. For best results, we recommend allowing tap water to sit out overnight before watering your money plant so that chlorine and other chemicals can dissolve. You can as well use distilled water.

6. Soil and potting

When choosing the best soil for a money tree plant, ensure you choose a reasonably sandy, peaty soil and a money tree pot that drains well. Also, avoid using a bigger pot than the root ball since this can hold onto way more water than the plant needs, which can cause root rot. Moreover, try mixing a little peat moss and perlite or sand to indoor potting mix for fast-draining soil. Money tree plants only require repotting every 2-3 years.

What Are the Common Problems Facing Money Tree Plants?

1. Root rot

Root rot usually happens when the plant is overwatered, or the soil/pot does not drain well enough. As a result, the leaves might drop or turn yellow, and you might sometimes notice brown, squishy stems. If this happens to your plant, we recommend reporting it into a clean pot and fresh soil. (You can still use the old pot but ensure you wash it thoroughly). Then rinse the oil soil off the roots and cut off any soft, smelly roots.

2. Insects 

Like most houseplants, money trees are vulnerable to common pests such as scale and mealybugs. Leaf Armor can, however, protect the plant against insects and other leaf problems.

3. Leaf scorching

This usually occurs when your own money tree plant gets too much sunlight. As a result, you may notice browning on the ends of the leaves.

4. Lack of bright light

You might notice yellowing leaves if the money tree plant doesn't get sufficient bright light, even if your plant is not overwatered.

Steps on How to Repot an Overgrown Money Tree

Step 1

Ensure you water your plant first and then allow the money tree soil to drain for about an hour before starting the repotting process.

Step 2

Next, add a layer of potting soil at the base of the new pot. You can use your homemade potting soil mix, but we recommend buying a commercial mix like Happy Frog Organic Potting Soil. If you want to enhance the drainage at the base of your pot, you can add some additional perlite to the potting soil.

Step 3

You want to ensure you have enough soil in the current pot so that the root ball can rest at least 1-inch below the pot's rim. You don't want to cover your plant's root crown with soil, so ensure that all the new soil is either around or beneath the root ball.

Step 4

Now you can carefully remove the plant from the old pot. First, hold the pot with one hand and then gently loosen the money tree soil around the perimeter of the pot. Then pull the plant up from the base of the trunk and gently guide the roots out f the old pot.

Step 5

Carefully place the root ball into the new pot, then fill up any space around the plant's roots with potting soil. Gently place the root ball into the new pot and fill any space around the roots with a well-draining potting mix. Ensure you align the money trees root system at the center of the pot. Then slightly tamp down the potting soil, supporting the plant but avoiding compressing the soil.

Step 6

Now you can water the money tree carefully and allow the potting soil to settle. If there is a considerable amount of settling, you might need to add more potting soil around the root ball. Also, you might need to lift the money tree out of the pot again and add more nutrient-rich soil under the root ball if the plant is not sitting high enough.

Step 7

Now you are going to go, and you can return your money tree to its original location. You can continue with your everyday money tree care routine immediately after the plant starts to adapt to its new pot.

Tips on How to Care for a Money Tree

Money tree care can be intensive, especially during the early years of the plant's life. However, when it matures and develops a strong root system, the money plant can change into a low-maintenance species. Here are some tips for nurturing your plant and ensuring that it thrives:

1. Give the plant room to grow

If you intend to keep your money tree in a pot on a patio or as an indoor plant, you need to report it occasionally. As a thumb rule, the pot diameter should be broad, similar to the plant's foliage. Also, when repotting the plant, keep the soil mixture consistent (perlite, peat moss, and sand with fertilizer mixed in).

2. Prune the plant to encourage growth

We recommend pruning the unwanted branches in the growing season; right above a leaf node will encourage growth.

3. Be proactive about pests.

Money tree plants sitting in wet soil can attract fungus gnats. Conversely, the plant sitting on too dry soil can harbor spider mites. Mealybugs and aphids are other common pests. Therefore, we recommend you use a systemic insecticide or neem oil as a natural bug repellent. Also, a permethrin solution, when used sparingly, can deal with fungus gnats in potted plants.

4. Keep the money tree in a warm climate.

Money trees prefer and thrive well in hardiness zones 10-12. However, it's hard for them to survive a hard frost. So, if you live in an area with chilly winters, keep the plant inside your home and maintain a temperature of about 60-75 degrees Fahrenheit.

Ian Mutuli

About the author

Ian Mutuli

Founder and Managing Editor of Archute. He is also a graduate architect from The University of Nairobi, Kenya.
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