اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ، وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ، وَأَوْزِعْنِي أَنْ أَشْكُرَ نِعْمَتَكَ الَّتِي أَنْعَمْتَ عَلَيَّ وَعَلَىٰ وَالِدَيَّ، وَأَنْ أَعْمَلَ صَالِحًا تَرْضَاهَا، وَأَدْخِلْنِي بِرَحْمَتِكَ فِي عِبَادِكَ الصَّالِحِينَ.
O Allah, suffice me with what You have made lawful, so that I may not resort to what is unlawful, and enrich me with Your bounty, so that I may not need to ask anyone besides You. And enable me to be grateful for Your favor which You have bestowed upon me and upon my parents, and to do righteousness that pleases You, and admit me by Your mercy into Your righteous servants.
Allahummakfini bihalalika 'an haramika, wa aghnini bifadlika 'amman siwaka, wa awzi'ni an ashkura ni'mataka allati an'amta 'alayya wa 'ala walidayya, wa an a'mala salihan tardaha, wa adkhilni birahmatika fi 'ibadikas-salihin.
When to Read
This is a comprehensive dua from the Sunnah that can be recited at any time, but it is particularly potent when facing financial hardship, overwhelming debt, or when seeking a fair resolution to a dispute involving finances. Recite it after your obligatory prayers or during the times when dua is most likely to be answered, such as the last third of the night or between the adhan and iqamah.
How to Read
Recite with sincerity and conviction, believing that Allah (SWT) is the ultimate provider and sustainer. Utter the words clearly, reflecting on their meaning. It is also beneficial to combine this dua with taking practical steps towards settling debts and seeking out honest individuals for mediation. Maintain a state of purity (wudu) if possible and face the Qiblah, although these are not strict requirements for the dua itself to be accepted.
Virtues & Benefits
This dua is a powerful petition to Allah for two crucial needs: financial sufficiency through lawful means and independence from needing to beg from creation. It also encompasses gratitude for blessings, the desire to perform righteous deeds, and the ultimate hope of being among Allah's righteous servants. By asking for lawful sustenance ('halal'), one avoids the sin and stress associated with unlawful gains. Seeking Allah's sufficiency ('aghni'ni bifadlika') frees the heart from dependence on others and the anxiety of worldly needs.
Source & Authentication
Yahya related to me from Malik, from Zayd ibn Aslam, from Abu Salih al-Samman, from Abd ar-Rahman al-Makhzumi, from Ali ibn Abi Talib that the book of the Messenger of Allah (ﷺ) had circulated among them, and in it was written: 'O Muslim, what you owe is that you seek a covenant of protection with Allah, and that you suffice yourself with what Allah has made lawful, over what He has made unlawful, and that by Allah's grace you become independent of all others.' This hadith has been transmitted by Ahmad, from Abdullah ibn Dawud, from Malik, and by Muslim, from Yahya ibn Yahya, from Malik, and it is as follows: Yahya related to me from Malik, from Zayd ibn Aslam, from Abu Salih al-Samman, from Abd ar-Rahman al-Makhzumi, from Ali ibn Abi Talib that the Messenger of Allah (ﷺ) taught him a supplication to say in the event of his debt. He said: 'Say: O Allah, suffice me with what You have made lawful, over what You have made unlawful, and by Your grace make me independent of all others.' [Sunan At-Tirmidhi 3563, graded Hasan Sahih]