Financial Tirmidhi 3563

Dua for Paying Off Debt

The Prophet specifically taught duas for those burdened with debt. Combine these supplications with practical Islamic guidance on managing debt.

Primary Dua for Debt Relief

اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ، وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ

Meaning: O Allah, suffice me with Your halal from Your haram, and enrich me by Your grace from all others besides You.
Tirmidhi 3563 (Hasan)

The Prophet's Dua for Debt

اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ، وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ، وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ

This is the same as the Dua for Anxiety, which specifically includes "being heavily in debt" as one of the seven things to seek refuge from.

Practical Sunnah for Debt

  • Avoid debt when possible — the Prophet sought refuge from it daily
  • If in debt, have sincere intention to repay
  • Recite morning and evening adhkar including the duas above
  • Give charity — the Prophet said charity removes debt
  • Make dua in the last third of the night

Related Duas

Dua for Rizq
Dua for Anxiety
All Duas