A self-contained, low-maintenance planter insert assembly used indoors or outdoors in planters and other containers to provide prolonged self-watering of plants in a tray supported by its fluid-containing base member. A fill-tube and handle combination upwardly-depending from the tray helps lift and position a bottom perimeter notch against an interior rim in the base member for stable but readily-separable connection between them. Plant roots may be in growth/support medium distributed directly into the tray, or in drainable pots. Fluid-permeable material under the support medium allows surplus rainwater to refill the base member, and a wicking member or members extend from the base member to the tray distributing fluid upwardly to plant roots. No connections for power or water are needed for insert assembly function, and its tray has detachable rings for height-adjustment. Applications include, but are not limited to, residential and commercial use, including hotels, convention centers, malls, and schools.
