اللَّهُمَّ اكْفِنِي بِحَلالِكَ 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 may not need to ask from anyone other than You.
Allahummakfini bihalalika 'an haramika, wa aghnini bifadlika 'amman siwak.
When to Read
This dua is perfect to recite when you are burdened by debt or facing financial hardship. It can be recited after every obligatory prayer, or at any time you feel the need to seek Allah's help and relief from your financial worries. The Prophet Muhammad ﷺ taught this dua to his companion Ali ibn Abi Talib (may Allah be pleased with him) when Ali mentioned his inability to pay off his debt.
How to Read
Recite this dua with sincerity and conviction, focusing on your need for Allah's help. Raise your hands as you do when making dua, and feel the hope that Allah, the Most Generous, will provide for you. It is recommended to be in a state of purity (wudu) when making dua, though it is not strictly mandatory. The key is the earnestness of your heart and your reliance on Allah.
Virtues & Benefits
This dua encapsulates a profound reliance on Allah for sustenance, seeking lawful means over unlawful ones, and desiring independence from creation. By reciting it, one actively seeks Allah's blessings to overcome financial difficulties and debt. It's a powerful supplication that addresses both the practical aspect of needing provision and the spiritual aspect of seeking contentment and independence through Allah's grace. The Prophet Muhammad ﷺ himself emphasized the importance of seeking refuge from debt, as it can cause distress and hinder a person's affairs.
Source & Authentication
It was narrated that Ali (may Allah be pleased with him) said: "I was with the Prophet ﷺ when a man from among the Ansar came to him. The man greeted him and said: 'O Messenger of Allah, I am in debt.' He said: 'O man, say: Allahumma-kfini bi-halalika 'an haramika, wa aghnini bifadlika 'amman siwak.' (O Allah, suffice me with Your lawful provision instead of Your unlawful provision, and enrich me with Your grace, so that I may not need to ask from anyone other than You.) So he said it, and the Prophet ﷺ said: 'Indeed, Allah will help you to pay off your debt.'"