اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ، وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ، وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ
O Allah, I seek refuge in You from distress and sorrow, and I seek refuge in You from helplessness and laziness, and I seek refuge in You from cowardice and stinginess, and I seek refuge in You from being overwhelmed by debt and overcome by men.
Allahumma inni a'udhu bika minal-hammi wal-hazani, wa a'udhu bika minal-'ajzi wal-kasali, wa a'udhu bika minal-jubni wal-bukhli, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijali.
When to Read
This dua is particularly potent when you feel the weight of debt pressing down, when financial worries keep you awake at night, and when the sheer scale of your financial obligations seems insurmountable. Recite it after every obligatory prayer, or at any moment you feel overwhelmed and need to connect with Allah's power and mercy.
How to Read
Recite this dua with sincerity and conviction, acknowledging your own limitations and turning to Allah as your sole source of strength. Picture yourself shedding the burdens of worry, debt, and the fear of people's judgment. Ensure you are in a state of purity if possible, and face the Qiblah while making this supplication. Remember that dua is a weapon; use it with faith.
Virtues & Benefits
This comprehensive dua, taught by our beloved Prophet Muhammad ﷺ, directly addresses the root causes of anxiety when facing financial hardship. By seeking refuge in Allah from 'distress and sorrow', 'helplessness and laziness', 'cowardice and stinginess', and specifically 'being overwhelmed by debt and overcome by men', we are asking Allah to lift these specific burdens. It strengthens our reliance on Him, reminding us that no matter how overwhelming the situation appears, Allah's strength is greater. This reduces the psychological burden and fosters a sense of peace, enabling clearer thought and action. The Prophet ﷺ himself taught this dua, indicating its immense importance and efficacy in times of difficulty.
Source & Authentication
It was narrated from Anas that the Prophet ﷺ used to say: 'O Allah, I seek refuge in You from worry and grief, from incapacity and laziness, from cowardice and miserliness, and from the heavy burden of debt and from being overcome by men.' (Sahih al-Bukhari 6369). The context of this hadith is the Prophet's ﷺ own supplication, teaching us what to say when facing any form of difficulty, including those that weigh heavily on our finances and our ability to cope.