You are supposed to say that if you pray alone or you are the Imam. The follower only says: rabbana wa laka Alhamd.

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You must not pray nafl prayer for that, but supplicate a lot to Allah and make general duaa in your sujood and before tasleem in all of your prayers.

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Set a date in the Hijri calendar where you will estimate what you have in that date and give 2.5%, including the credits you have that is most likely coming.

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