عن أبي سعيد الخدري رضي الله عنه عن رسول الله صلى الله عليه وسلم قال: أيما رجل مسلم لم تكن عنده صدقة فليقل في دعائه: اللهم صل على محمد عبدك ورسولك وصل على المؤمنين والمؤمنات والمسلمين والمسلمات فإنها زكاة وقال: لا يشبع مؤمن خيرا حتى يكون منتهاه الجنة (القول البديع ص274)

Hazrat Abu Sa‘eed Khudri (radhiyallahu ‘anhu) reports that Rasululah (sallallahu ‘alaihi wasallam) said, “Whichever Muslim does not have anything to give in sadaqah, he should recite the following durood in his du‘aa as it will be a means of him receiving the reward of sadaqah and it will purify him of his sins.”

اَللّٰهُمَّ صَلِّ عَلٰى مُحَمَّدٍ عَبْدِكَ وَرَسُوْلِكَ وَصَلِّ عَلٰى الْمُؤْمِنِيْنَ وَالْمُؤْمِنَاتِ وَالْمُسْلِمِيْنَ وَالْمُسْلِمَاتِ

O Allah! Send durood (i.e. shower Your mercy) upon Muhammed (sallallahu ‘alaihi wasallam), Your slave and Rasul, and shower Your mercy upon all the mu’mineen and muslimeen, males and females.

Rasulullah (sallallahu ‘alaihi wasallam) thereafter said, “A believer continues to do good and is never fully satisfied with the good that he carries out until he finally (passes away on imaan and) reaches Jannah.”