اللَّهُمَّ اكْفِنِي بِحَلالِكَ عَنْ حَرامِكَ، وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِواكَ
O Allah, suffice me with what You have made lawful, instead of what You have made unlawful, and enrich me with Your bounty, so that I may not need anyone other than You.
Allahumma ikfini bihalalika 'an haramika, wa aghnini bifadlika 'amman siwak
When to Read
This dua is profoundly useful when you are burdened by debt, especially when that debt is preventing you from achieving significant life goals like performing Hajj or getting married. Recite it regularly, particularly after your obligatory prayers, or at any time you feel overwhelmed by your financial situation and the need to clear your debts.
How to Read
Make this dua with sincerity and a firm intention. Raise your hands in supplication, as the Prophet Muhammad ﷺ taught us is a way to seek Allah's help. Believe in Allah's power to provide and ease your burdens. This dua is about seeking lawful provision, so ensure your efforts to earn and manage money are also in accordance with Islamic principles.
Virtues & Benefits
This dua directly asks Allah to provide lawful means to fulfill your needs, protecting you from turning to unlawful sources. It also seeks a deep contentment and reliance on Allah alone, freeing you from the dependency and worry associated with seeking help from creation. By fulfilling the conditions of Hajj or getting married, you are obeying Allah and seeking His pleasure, and this dua can be a powerful tool to help you reach those milestones free from the burden of debt.
Source & Authentication
Narrated Ali ibn Abi Talib (may Allah be pleased with him): A man came to the Prophet Muhammad (peace be upon him) and said: "O Messenger of Allah, I have a lot of worries and heavy debts." He replied: "Shall I teach you words that, if you say them, Allah will remove your worries and pay off your debts?" He said: "Yes, teach me." He said: "Say every morning and evening: Allahumma ikfini bihalalika 'an haramika, wa aghnini bifadlika 'amman siwak (O Allah, suffice me with what You have made lawful, instead of what You have made unlawful, and enrich me with Your bounty, so that I may not need anyone other than You)." This was narrated in Sunan At-Tirmidhi, graded as Hasan.