اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ
O Allah, suffice me with Your lawful provision against unlawful provision, and enrich me with Your grace, so that I may not need recourse to anyone other than You.
Allahumma akfini bihalalika 'an haramika wa aghnini bifadlika 'amman siwaka
When to Read
This dua is incredibly powerful when facing financial difficulties, particularly debt. It's also vital to recite when embarking on a new business venture or when seeking Allah's blessings and guidance in your existing work. Make it a regular habit, especially after your obligatory prayers, or at any time you feel the weight of financial worry or a need for increased barakah in your earnings and endeavors.
How to Read
Recite this dua with sincere conviction and a hopeful heart. Raise your hands, as you would during supplication, and turn to Allah with complete reliance. Focus on the meaning of the words: acknowledging that only He can provide lawful sustenance and true richness that frees you from needing anyone else. It's best recited with a clear mind and a present heart, seeking Allah's help for both relieving debt and ensuring blessings in your business dealings.
Virtues & Benefits
This dua is a direct supplication to Allah for lawful sustenance and independence from need. It encompasses two crucial aspects: first, seeking provision that is permissible and free from ill-gotten gains ('haram'), and second, asking for wealth and contentment that makes one self-sufficient through Allah's bounty ('fadl'), thus negating the need for seeking help from creation. This duality makes it perfect for debt repayment and for seeking blessings (barakah) in any business venture, ensuring that your efforts are blessed and fruitful.
Source & Authentication
‘Abdullah bin Ja’far said: “The Messenger of Allah (ﷺ) taught me a supplication that I recite daily: 'Allahumma akfini bihalalika 'an haramika wa aghnini bifadlika 'amman siwaka' (O Allah, suffice me with Your lawful provision against unlawful provision, and enrich me with Your grace, so that I may not need recourse to anyone other than You).' Sunan At-Tirmidhi, Book 18: Chapters on Supplication, Hadith 3563. Graded Hasan by the compiler.