اللَّهُمَّ قَاضِ الدَّيْنَ، وَاكْفِنِي بِحَلالِكَ عَنْ حَرَامِكَ، وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ.
O Allah, fulfill the debts for me, and suffice me with Your lawful provision instead of Your unlawful provision, and enrich me with Your grace so that I am not in need of anyone other than You.
Allahumma qadi d-dayna, wakfini bihalalika 'an haramika, wa aghnini bifadlika 'amman siwaka.
When to Read
This beautiful supplication is specifically recommended to be recited before sleeping. It’s a powerful way to entrust your financial burdens and needs to Allah (SWT) as you enter a state of rest. Imagine your head hitting the pillow, and before you drift off, you make this heartfelt plea. It's about seeking Allah's help to manage your worldly responsibilities, especially debts, and to be content with what He provides, keeping you away from what is forbidden.
How to Read
Recite this dua with sincerity and conviction before going to sleep. Ensure you are in a state of wudu if possible, as this is a time of quiet reflection and direct communication with your Creator. Focus on the meaning of the words: acknowledging your need for Allah to settle your debts, asking for His provision to be sufficient and lawful, and seeking His wealth to make you independent of others. It's a request that encompasses both worldly and spiritual well-being.
Virtues & Benefits
This dua offers immense relief and spiritual fortification. By asking Allah to 'fulfill the debts,' you are actively seeking His intervention in a significant worldly matter that can cause great stress. The request to be 'sufficed with Your lawful provision instead of Your unlawful provision' is a profound plea for chastity and purity in earning and sustenance, guiding you away from haram means. Finally, asking to be 'enriched with Your grace so that I am not in need of anyone other than You' cultivates deep tawakkul (reliance) on Allah and contentment, freeing the heart from the anxieties of dependence on creation.
Source & Authentication
Narrated by Ali (may Allah be pleased with him): A slave of Allah came to the Prophet Muhammad (peace be upon him) and said, 'O Allah's Messenger! I am unable to pay for my freedom, so help me.' He (peace be upon him) said, 'Shall I teach you some words which you should say, and Allah will help you to pay your debt even if it were as big as a mountain? Say: Allahumma qadi d-dayna, wakfini bihalalika 'an haramika, wa aghnini bifadlika 'amman siwaka.' (O Allah, fulfill the debt and suffice me with what You have permitted instead of what You have forbidden, and make me independent by Your grace of all apart from You).