اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ
O Allah, suffice me with Your lawful provision, keeping me away from Your unlawful forbidden things, and make me independent of all others besides You with Your bounty.
Allahummak-fini bi halalika 'an haramika wa aghnini bi fadlika 'amman siwaka
When to Read
This powerful dua is a general plea for debt relief and financial independence. While it is beneficial for any debt, it holds particular relevance when you find yourself in debt for noble purposes—perhaps you borrowed to help a family member, supported a charity project, invested in a community initiative, or even for personal education or skill development with good intentions. Regardless of the reason, recite this dua with full conviction in Allah's boundless provision. You can recite it at any time, especially during times of distress, after your obligatory prayers, in the last third of the night, or between the Adhan and Iqamah, which are all blessed times for duas to be accepted.
How to Read
To recite this dua effectively, begin by seeking Allah's forgiveness (Istighfar) and sending blessings upon the Prophet ﷺ (Salawat). Then, with sincerity and full conviction, recite the Arabic text while reflecting on its profound meaning. Understand that you are asking Allah to provide for you from what is lawful, to protect you from what is unlawful, and to make you truly independent of relying on anyone other than Him. Maintain a firm belief that Allah is Al-Razzaq (The Provider) and Al-Ghani (The Self-Sufficient) and that He alone can remove your burdens.
Virtues & Benefits
The Prophet ﷺ assured Sayyiduna Ali (may Allah be pleased with him) that whoever recites this dua, 'Allah will help you repay it, even if you were to have debt upon you weighing like the mountain of Thabir.' This highlights the immense power of this supplication. It not only seeks to physically clear your debts but also to instill **inner richness** and contentment by making you independent of creation and reliant solely on Allah's bounty. It's a profound reminder that true wealth lies in sufficiency from lawful means and dependence on the Creator. It shifts our focus from worldly means to divine assistance, strengthening our Tawakkul (reliance on Allah).
Source & Authentication
Narrated Ali ibn Abu Talib (may Allah be pleased with him): A Mukatab (a slave who had a contract of manumission with his master for a certain sum of money) came to him and said: 'Indeed, I am unable to pay my Kitabah (contractual amount), so help me.' He (Ali) said: 'Shall I not teach you some words that the Messenger of Allah (ﷺ) taught me? If you were to have debt upon you weighing like the mountain of Thabir, Allah would pay it off for you. Say: اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ (O Allah, suffice me with Your lawful provision, keeping me away from Your unlawful forbidden things, and make me independent of all others besides You with Your bounty.)' — Jami` at-Tirmidhi 3563