Supplications for relief from debt and for lawful provision, from the Qur’an and the Sunnah, with sources and a transliteration guide.
AI-generated English narration.
These are supplications about debt and provision. The Arabic is the reliable text; the transliteration is only a pronunciation aid. They ask Allah for help; they do not replace the duty to repay what is owed. For the rulings, see Debt, Business and Employment and Halal Earning and Spending. A related supplication for beneficial knowledge and good provision is in the lesson on seeking knowledge.
Key points
- The Prophet ﷺ sought refuge with Allah from worry and grief, incapacity and laziness, cowardice and miserliness, being heavily in debt, and being overpowered by men.
- Ali reported a supplication asking Allah to suffice one with what is lawful and to make one independent of all others; it is graded hasan.
- The Qur’an records the words of Musa when he was in need, and of Isa asking Allah for provision.
- Supplication does not remove the duty to repay a debt or to seek lawful earning.
Practical steps
- Say the Prophet’s supplication for refuge from worry, grief and being heavily in debt.
- When a debt weighs on you, say “Allahumma-kfini bi-halalika ‘an haramika, wa aghnini bi-fadlika ‘amman siwak”.
- Plan to repay what you owe, and see the fiqh lessons on debt, business and halal earning.
Qur’an
“So he watered [their flocks] for them; then he went back to the shade and said, "My Lord, indeed I am, for whatever good You would send down to me, in need."”
Surah Al-Qasas (28) — 28:24
When to read: the words of Musa
“Said Jesus, the son of Mary, "O Allah, our Lord, send down to us a table [spread with food] from the heaven to be for us a festival for the first of us and the last of us and a sign from You. And provide for us, and You are the best of providers."”
Surah Al-Ma'idah (5) — 5:114
When to read: the words of Isa
Hadith
Allahumma inni a'udhu bika minal-hammi wal-hazan, wal-'ajzi wal-kasal, wal-jubni wal-bukhl, wa dala'id-dayni wa ghalabatir-rijal.
O Allah! I seek refuge with You from worry and grief, from incapacity and laziness, from cowardice and miserliness, from being heavily in debt and from being overpowered by (other) men.
Sahih al-Bukhari, no. 6369 .
When to read: The Prophet ﷺ used to seek refuge in these words (Anas ibn Malik).
Allahumma-kfini bi-halalika 'an haramika, wa aghnini bi-fadlika 'amman siwak.
O Allah, suffice me with Your lawful against Your prohibited, and make me independent of all those besides You.
Sunan at-Tirmidhi, no. 3563 .
When to read: Taught by Ali to a man who could not pay his debt, as he learned it from the Prophet ﷺ. Graded hasan by al-Albani and others.
Hadith text and grading above are shown as supplied by their source. HikmahBridge does not grade Hadith itself. See Sources & Methodology.
FAQ
Does the supplication replace repaying the debt?
No. The supplication asks for Allah’s help, and the debt remains owed. Repaying it is a duty; see the lesson on debt, business and employment.
How reliable is the report about the supplication for debt?
The report in Sunan at-Tirmidhi 3563 is graded hasan by al-Albani, Ahmad Shakir and others, according to the edition used here.
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