اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ
O Allah, suffice me with Your lawful provision instead of Your unlawful provision, and enrich me with Your grace, so that I do not need to seek from anyone other than You.
Allahumma-kfini bihalalika 'an haramika wa aghnini bifadlika 'amman siwak
When to Read
This dua is profoundly helpful when you are struggling with debt or facing financial hardship. It's also excellent to recite when you are about to enter into any contract or financial agreement, seeking Allah's guidance and provision to ensure it is lawful and sufficient.
How to Read
Recite this dua with sincerity and focus, particularly after your obligatory prayers (Salah). Visualize Allah's promise of sufficiency and His boundless grace. It is also beneficial to say it in the morning and evening. Remember that dua is a conversation with Allah; pour your heart into it and trust in His plan.
Virtues & Benefits
This dua is a powerful supplication taught by our beloved Prophet Muhammad ﷺ. It directly asks Allah to shield us from unlawful means of income (like interest-based loans or illicit earnings) and to provide us with enough through His halal (lawful) means. The second part, 'enrich me with Your grace, so that I do not need to seek from anyone other than You,' is a plea for complete reliance and contentment in Allah alone, freeing us from the burden of depending on others for our needs, including debt repayment.
Source & Authentication
‘Ali (may Allah be pleased with him) reported that a mackatib (a slave who had agreed to buy his freedom) came to him and said: 'I am unable to pay my nine hundred dirhams, so help me.' So ‘Ali (may Allah be pleased with him) said: 'Listen to me, and accept my words. I will tell you something that Allah's Messenger (ﷺ) taught me, and if you were to act upon it, then even if your debt were like the mountain of Sir, Allah would fulfill it for you. He said: 'O Allah, suffice me with Your lawful provision instead of Your unlawful provision, and enrich me with Your grace, so that I do not need to seek from anyone other than You.'