Last Updated on October 25, 2025
Dua for Getting Out of Debt – Islamic Way to Financial Relief
Being in debt can be one of the most stressful challenges in life. It affects not only your financial stability but also your peace of mind. In Islam, seeking help from Allah (SWT) through dua is one of the most powerful ways to find relief from debt and financial difficulties.
When we turn to Allah sincerely, He opens doors of provision we could never imagine. The Prophet Muhammad ﷺ himself used to recite special duas to seek protection from debt and its burden.
Powerful Dua for Getting Out of Debt
One of the most well-known and authentic duas for getting rid of debt is the one narrated by Ali ibn Abi Talib (RA). The Prophet ﷺ taught him to say:
“Allahumma akfini bihalalika ‘an haramika, wagh-nini bifadlika ‘amman siwaka.”
(O Allah, suffice me with what You have allowed instead of what You have forbidden, and make me independent of all others besides You.)
— [Tirmidhi, 3563]
This dua is a reminder that true financial freedom comes from trusting Allah and seeking His help through halal means.
Another beneficial supplication is:
“Allahumma inni a‘udhu bika minal-hammi wal-hazan, wal-‘ajzi wal-kasal, wal-bukhli wal-jubn, wa dala‘id-dayni wa ghalabatir-rijal.”
(O Allah, I seek refuge in You from worry and grief, from helplessness and laziness, from miserliness and cowardice, and from being overcome by debt and by men.)
— [Bukhari, 2893]
This powerful dua not only helps relieve debt but also removes the emotional weight and anxiety that often come with it.
Steps to Combine Dua with Action
Make sincere tawbah (repentance) for any past financial mistakes.
Be consistent in reciting these duas daily after prayers.
Give charity, even in small amounts — charity brings blessings to your wealth.
Work hard and seek halal income sources while trusting Allah’s plan.
Avoid unnecessary spending and build new financial habits gradually.
Remember — dua works best when paired with patience, gratitude, and practical effort.
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