6 supplications
Duas for Rizq (Provision) and Paying Debts
Provision (rizq) is written for every soul, yet Allah made du‘a and effort means of receiving it. The Prophet ﷺ taught duas for halal income, freedom from debt and blessing in what one already has, because a little that is blessed is better than much without blessing.
For relief from debt
اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ، وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ
Allahummakfini bi-halalika ‘an haramik, wa aghnini bi-fadlika ‘amman siwak.
O Allah, suffice me with what is lawful against what is unlawful, and make me independent of all besides You by Your bounty. Even if your debt were like a mountain, Allah would pay it for you.
Source: Jami‘ al-Tirmidhi
Beneficial knowledge, good provision
اللَّهُمَّ إِنِّي أَسْأَلُكَ عِلْمًا نَافِعًا، وَرِزْقًا طَيِّبًا، وَعَمَلًا مُتَقَبَّلًا
Allahumma inni as’aluka ‘ilman nafi‘a, wa rizqan tayyiba, wa ‘amalan mutaqabbala.
O Allah, I ask You for knowledge that is beneficial, provision that is good, and deeds that are accepted. Said by the Prophet ﷺ after the dawn prayer.
Source: Sunan Ibn Majah
Guidance, piety, chastity and sufficiency
اللَّهُمَّ إِنِّي أَسْأَلُكَ الْهُدَى وَالتُّقَى وَالْعَفَافَ وَالْغِنَى
Allahumma inni as’alukal-huda wat-tuqa wal-‘afafa wal-ghina.
O Allah, I ask You for guidance, piety, chastity and self-sufficiency.
Source: Sahih Muslim
Forgiveness, a spacious home and blessed provision
اللَّهُمَّ اغْفِرْ لِي ذَنْبِي، وَوَسِّعْ لِي فِي دَارِي، وَبَارِكْ لِي فِي رِزْقِي
Allahummaghfir li dhanbi, wa wassi‘ li fi dari, wa barik li fi rizqi.
O Allah, forgive my sin, make my home spacious for me and bless my provision.
Source: Jami‘ al-Tirmidhi; Musnad Ahmad
I am in need of Your good
رَبِّ إِنِّي لِمَا أَنْزَلْتَ إِلَيَّ مِنْ خَيْرٍ فَقِيرٌ
Rabbi inni lima anzalta ilayya min khayrin faqir.
My Lord, I am truly in need of whatever good You send down to me. The dua of Musa in Madyan.
Source: Qur’an 28:24
Refuge from worry and grief
اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَالْعَجْزِ وَالْكَسَلِ، وَالْبُخْلِ وَالْجُبْنِ، وَضَلَعِ الدَّيْنِ، وَغَلَبَةِ الرِّجَالِ
Allahumma inni a‘udhu bika minal-hammi wal-hazan, wal-‘ajzi wal-kasal, wal-bukhli wal-jubn, wa dala‘id-dayn, wa ghalabatir-rijal.
O Allah, I seek refuge in You from worry and grief, from helplessness and laziness, from miserliness and cowardice, from the burden of debt and from being overpowered by men.
Source: Sahih al-Bukhari
Provision, effort and blessing
Allah has written each person’s provision, yet He commands effort: “Walk through its tracts and eat of His provision” (67:15). Du‘a does not replace work; it brings blessing and opens doors. The Prophet ﷺ taught ‘Ali a du‘a for debt: “Allahummakfini bi-halalika ‘an haramik, wa aghnini bi-fadlika ‘amman siwak”, and said that even if one had a mountain of debt, Allah would pay it (at-Tirmidhi).
Among the causes of increased provision mentioned in the Qur’an and Sunnah: istighfar (71:10-12), taqwa (65:2-3), keeping ties of kinship (al-Bukhari), gratitude (14:7) and spending in charity (34:39). Sins, on the other hand, may block provision.
Halal before abundant
The first request in these duas is for halal income. The Prophet ﷺ mentioned a traveller who raises his hands saying “O Lord, O Lord” while his food and clothing are haram, and asked how he could be answered (Muslim). A small halal income with blessing is better than a large one without it.
Practical tips
- Begin the working day after Fajr: the Prophet ﷺ prayed for blessing in the early morning (Abu Dawud).
- Say the du‘a for debt after each prayer.
- Keep istighfar on your tongue throughout the day.
- Give some charity, even small, from every income.
- Avoid doubtful earnings, which remove blessing.
Duas for Rizq (Provision) and Paying Debts: questions and answers
What is the best du‘a for debt?
“Allahummakfini bi-halalika ‘an haramik, wa aghnini bi-fadlika ‘amman siwak” (at-Tirmidhi), together with the du‘a against worry and debt taught to Abu Umamah.
Does istighfar increase provision?
Yes. Nuh promised his people abundant rain, wealth and children if they sought forgiveness (71:10-12).