Why are There White Spots on my Money Tree Leaves?

Money Tree is well-known for its tale of the ability to bring wealth and fortune into the family. However, regardless of whether it’s a myth or fact it is certain that the Money Tree will add vibrancy and energy to your home , while cleaning the air.

Although it is widely praised as a cleanser however, the Money Tree is still susceptible to potential dangers like streaks of white on the leaves.

Insect infestation, micronutrient deficiencies sunburn, micronutrient deficiency, and mosaic virus all can cause streaks of white on leaves from the Money Tree. The plant should be treated with the correct insecticide or fungicide after taking off those affected leaves. Make sure the plant is kept out of direct sunlight and supply the plant with enough nutrition and water.

How to Identify White Spots on Your Money Tree?

Powdery Mildew is a very frequent fungal infection in your braided plants, is typically responsible of the white spots that appear on the Money Tree.

The fungal spores attack the plants leaves directly, resulting in white spots that are visible and the appearance of a white powder over the entire surface.

Additionally, since the coating blocks sunlight from getting in, which is essential for photosynthesis, the leaves of your plants begin to discolor, turning brown or yellow.

If you don’t take action immediately If not addressed immediately, the Money Tree may wither, lose its shape, or be susceptible to infections as its health declines.

Why Does My Money Tree Have White Spots?

Although Powdery mildew may be the main reason for white spots appearing in your Money Tree, we must look at other reasons to make sure we offer the appropriate treatment.

Take the time to read the rest of the passages to identify other causes that can cause the white areas on the Money Tree.


If the roots of your Money Tree are exposed to high levels of humidity, they develop edema.

Although it is most often seen in greenhouses however, it is possible to see it on indoor plants, particularly if you overwater the plants after allowing them to dry for a long time.

If plants are excessively watered the cells quickly absorb much more liquid than they are able to manage, leading to abrupt bursts.

The signs begin with common small blisters or spots appearing under the leaves of your Money Tree.

In time the infection can progress to the upper part of the leaves, which causes the appearance of a rust-colored substance.

If the tissue on your plant is dried it will fall off and create a sloppy gap in the leaves.

flower on money plant jade

Proper Remedy

  1. The first thing you need to think about when your Money Tree is experiencing oedema is controlling the watering process. It is essential to provide sufficient amounts of water, and at the same time, keep an eye on the soil of your plant to prevent suffering from dryness.
  1. Check that your plant’s drainage system is functioning. Make sure you check for any excess water in your saucer for your pot.
  1. Set aside 5 inches between your plants to increase the circulation of air, thereby lowering the humidity in your space.
  1. Find the Money Tree in a sunnier location that can get an adequate amount of sunlight, which will aid in the process of drying the soil of your plant. Be sure to avoid placing it in areas that receive too much direct sunlight is available.
  1. Traditionally, you can mix compost made from banana peels to boost your soil’s potassium levels and then spray it with the mixture that contains calcium chloride (1 1 ounce of calcium chloride dilute in one gallon of water) to increase calcium intake to your plant.

Powdery Mildew

As we have stated previously, Powdery Mildew is the most likely cause of the reason the Money Tree is suffering from the white spots.

The most common reason for this is defoliated leaves or other areas of your plant that are prone to spores to grow.

Then, it will move to your plant, and then directly at the leaves.

The symptoms are evident because Powdery Mildew creates a visible white powdery substance that is visible on the upper portion of the plant’s leaves.

Proper Remedy

  1. It is best to separate the Money Tree once you detect symptoms that suggests Powdery Mildew. The sooner you can separate it from the other plants in your home, the greater the likelihood of stopping the spread of spores.
  1. If the damage isn’t yet extensive, you could spray baking soda and water in a mix (1 teaspoon of baking soda dilute in a 1 liter of water).
  1. You can also clean the leaves of your plant with clean cloth that has been soaked in a mix of fungicide detergent and hot water.
  1. To prevent a return of the disease ensure that you clean the place where the plant is located inside your home.
  1. If the infestation becomes serious, you must immediately remove the money tree in order to avoid damaging other plants in your home.

Pest Infestation

While it is a magnet for the attention of others Your Money Tree also attracts different unwanted parasites to its body.

These invasions occur when the plant is able to attract some insects to eat the sticky-sap it excretes under the leaves during this process called guttation.

There are a variety of potential threats into the security of your Money Tree that you need be aware of to avoid the development of white spots on the leaves.

To help you recognize the most common causes and ways to prevent their spread Let’s move on to the in-depth discussion that follows.


Because of their white color and a cottony look, the tiny bugs can appear as tiny lumps in your garden.

Mealybugs love infesting the the phloems that is the Money Tree.

In addition, these wax-coated insects release honeydew on leaf surfaces of the plants and cause a variety of fungi to grow.

Although their food results in the appearance of discoloration and general decline within your plant, more serious issues could arise when fungi begin to grow and altering the plant’s systems.

Proper Remedy
  1. Clean the leaves of the Money Tree with a clean cloth that has been soaked in alcohol.
  1. In the case of severe infestations, you can use insecticidal soaps to aid your plant get rid of the pest.
  1. Naturally, removing the presence of ants in your garden will allow naturally predators like Mealybugs arrive and eliminate the invaders.

Spider Mite

These microscopic, yellowish insects love drinking the juice from the Money Tree.

They typically travel in the winds however, they require help from birds to spread their wings in the majority of cases.

Because they eat the juice of your plant There is a chance that the majority of the nutrients are taken in and cause streaks of white and discoloration of the leaves of your plant.

In addition there are the occasional leaf drop as well as early deformation and a growing number of yellowish-brown spots.

Proper Remedy
  1. You may want to isolate your plant to stop the speedy spread from Spider Mite towards other houseplants. If you can, ensure that there is a proper spacing the space between plants.
  1. A lot of sunlight could increase the stress levels that the Money Tree, so make sure your tree isn’t subjected to excessive sunlight. It is also important to keep track of the needs of your plant’s watering, making sure that it’s well-watered.
  1. Apply horticultural oils or insecticidal soaps on leaf of the Money Tree to control the pest.


They are insects with a needle-like appearance which are typically brown or yellow in color with silver linings on the back.

They’re microscopic in appearance however, they could appear like silver spots on the leaves of your plant when you look closely.

As with other insects that sucking sap Thrips are known to take advantage of the juice that plants produce and cause streaks of white and black spots on the top of your leaves.

In addition, they can also inject viruses into your plant, which could lead to more serious issue or, at worse, the plant’s death.

Proper Remedy
  1. You can manually put a white cloth under the plant and gently shake it around to eliminate all the insects. Because of its silver liner, the insects are more apparent for our eye. Eliminate the insects by with dishwashing soap.
  1. It is also possible to spray neem oil or spinosad for instant removal of Thrips that are severely affected areas.
  1. Be sure to check all other plants in your home for signs of the possibility of a thrip infection. Take out all parts that have been defoliated of your plant to make sure that there is no other plant close to your plant.

Leaf Miners

Leaf Miners are the larvae of various insects like moths and Flies. Although flies and moths don’t cause harm to the Money Tree, its larvae are the ones to be wary of.

If the egg hatches on your leaf, larvae will immediately form a tunnel to the leaf’s interior and create visible curving lines on the leaves of your plant.

They typically stay for around 15 days before they leave the plant. However, as larvae develop and expand, the size of the tunnel will also increase.

In addition to the curvy white or yellow line they leave, you’ll also notice some white spots or marks in the leaf of your Money Tree.

Proper Remedy
  1. It appears that spraying insecticides or oils won’t eliminate the larvae as they only cover the outside of the plant’s leaves. Pesticides that are approved by the USDA can be beneficial however they are not recommended and suitable to use, particularly when treating plants that are house-grown.
  1. Cut off affected leaves and eliminate them in a proper manner. Don’t use the affected leaves for compost.
  1. Although neem oil won’t completely end the existence in leaf miners completely, the oil could influence the larvae’s development to stop the process of germination.
  1. It’s possible that we’re talking about the Money Tree as a houseplant If it’s feasible you could buy parasitic wasps with a cultured design which kill and infest leaf miners.

Lack/Excess of Micronutrients

The Money Tree needs fertilization to grow and achieve its full potential for growth. Although it’s beneficial to fertilize your tree to ensure that it has the nutrients it needs however, overuse of it could cause serious damage.

Let’s look at the micronutrients required from the Money Tree and how to help you adjust the soil of your plant.


The plant is dependent on iron for many processes like chlorophyll production and metabolic processes to live.

Issues with iron deficiency occur if your plant’s soil is high in pH and an environment that is humid.

Signs and symptoms: The most common sign of iron deficiency is the sudden color change of your plants, accompanied by white patches appearing on the top portion of your plant’s leaves.

Corrections: The most effective way to boost the iron content of your houseplant is to add fertilizers chelated with iron( check the latest prices at Amazon) that keeps the iron in a form that is suitable for plants.


Calcium creates a structure for your plant, allowing it to build stronger cell wall.

Problems: The issue here isn’t a deficiency, but an excess calcium levels since it is plentiful in water and soil. If there’s excessive amounts of calcium in the soil, there is a good possibility that it will limit the function of other nutrients within your plant.

Signs: You may notice an occasional leaf distortion or irregular growth patterns, in addition to being able to spot spots of white and spots of brown.

Corrections: The best method is to reduce the amount of water your plant consumes and avoid making use of gypsum-based fertilizers.


As the primary atom of chlorophyll molecules This micronutrient plays a crucial role for photosynthesis.

Problems: Magnesium deficiencies are found in soils that can be easy to leach. High amounts of Potassium and the excessive presence of ammonium nitrate may cause this issue.

Symptoms: The signs typically occur on the lower part of the plant’s leaves which is where defoliation and discoloration occur.

Corrections The application of magnesium sulfate sometimes referred to as Epsom salts (link to Amazon), is a good method to boost the Magnesium concentration in your plant’s soil. Don’t combine Epsom salts in conjunction with any other fertilizers that are water-soluble.


In addition to being an essential component for photosynthesis, copper is also necessary in the plant’s respiration and metabolism processes.

Issues: Although copper deficiency is not common however, it can still be found particularly on newly open leaves. Usually, it occurs in soils with higher pH.

Symptoms: Typically, the symptoms begin with mild chlorosis on the veins or leaves of the Money Tree.

Corrections Make sure you apply copper or cupric-based fertiliser (link on Amazon) to boost the level of copper in the soil of your plant.

Make sure that you apply the drench as an application, and not spraying directly on the leaves as it could cause the foliage to burn.


Manganese is a key component in the germination of pollen as well as photosynthesis. It is an anti-pathogen force.

Issues: A deficiency occurs when the soil’s pH is higher than 6.5 because it becomes inaccessible for absorption. Another reason could be that your plant is consuming excessive amounts of iron, or iron-chelate within the system.

Signs and symptoms: The signs are similar to iron deficiency. For instance, chlorosis in the leaves of young plants, visible white spots appearing on the upper portion of the leaves, and certain areas of the plant’s vein.

Corrections: In essence, all you have to do is apply an manganese sulfur fertilizer (link on Amazon) to ensure that you are meeting the nutritional requirements of the soil of your plant.

Septoria Leaf Spot

The cause of this disease is Septoria, a fungus which thrives in humid environments.

If your plant is infected by this disease, you’ll be able to see yellow and white spots on both the top and beneath the leaves of your plant.

Proper Remedy

  1. Remove all affected areas from the Money Tree and dispose of the affected areas immediately. Be sure to wash the tools you use and clean your hands prior to engaging in other activities with your houseplants.
  1. Apply an copper-based fungicide (Amazon link) to stop the germination of Septoria.

To fight fungal infections These are the most effective fungicides I would recommend:

Mosaic Virus

The White Mosaic virus can be the primary cause of this disease. It is a direct attack on the leaves of your plant and leaves spots of green and white.

The symptoms include small greenish or yellowish specks typically begin on younger leaves, and then appear on the entire leaf.

Proper Remedy

  1. As with white rot, Mosaic is not a solution once the plant is seriously infected. Therefore, it is highly recommended to remove all affected plants and eliminate them as soon as you can.
  1. A way to revitalize your plant is by Repotting, however it’s advised to propagate it by cuttings.
  1. Be sure to wash your space and disinfect equipment with chlorine or other disinfectants.

White Rot

Although this illness is prevalent in onions, it can affect your houseplants as well which includes the Money Tree.

The cause of this disease is the growth of fungi on the root system of your plant, which results in root decay.

Because the root system may not supply the proper amount of water to meet the plant’s physiological requirements The leaves may suddenly develop yellowish-white spots. If you don’t treat them the plant will eventually shed its leaves.

I’ve written a step-by-step article about how to fix root Rot in the Money Tree.

Proper Remedy

  1. However, white rot can be difficult to manage, especially when it affects the plant’s tissues. Repotting your plant with fresh pots with a clean mix is the best way to prevent it.
  1. Be sure to clean the roots of your plant and then remove any infected areas from the Money Tree.
  1. Apply fungicide on the roots prior to planting them into the ground.


The Money Tree prefers to receive moderate indirect sunlight, therefore excessive exposure could cause your plant to be in a difficult position. If your plant is exposed to excessive sunlight, and its leaves remain wet, the plant may suffer sunburn.

Sunburn causes white spots on the leaves of your plant because particles of light travel to droplets of water and directly impact the tissue of your plant.

Proper Remedy

  1. Be sure your plant isn’t exposed to excessive sunlight. If the plant is close to your windows, think about using blinds or shade to block the entrance of sunlight.
  1. The soil of your plant should be watered and not over the top to prevent the accumulation of moisture on your leaves.

How to Prevent White Spots on Your Money Tree?

If you can you do not want the Money Plant to suffer from the causes that result in developing streaks of white on the leaves. This can only happen by taking preventive measures as soon as you can.

Remember to take good care of the Money Tree. Prevention is always more effective than treatment.

  1. Make sure to thoroughly examine the plant prior to buying. Don’t purchase any plant that shows signs of any illness.
  1. Make sure you get enough sunlight.
  1. Make sure to water your plants properly in the soil, not over the top. Make sure to check the drainage each time after you have watered your plant.
  1. Be sure to pay attention to the nutritional requirements of your plant.
  1. If you notice any signs of infestation Refer to the discussion above and then apply the treatment correctly.
  1. Remember that keeping an orderly environment at your home isn’t just beneficial to your plants but also to your entire family as well.

Final Words

If you discover that your plant has streaks of white on the leaves, be sure to determine the root reason for the problem You can refer to the list of causes we’ve previously discussed.

The Money Tree might be attractive to various pathogens and diseases However, maintaining and caring for it isn’t as difficult as you think.

If you pay attention to the right things, have a good knowledge, and the proper management the plant is sure to flourish and attract attention to your home.



Went from a bad gardener to a half-decent one over 10+ years. Super happy to share my tips and tricks with you :)