Since ancient times, Lakshmi Mantras have served as a spiritual tool to worship Goddess Lakshmi, the bestower of wealth and the divine consort of Lord Vishnu.
Chanting these powerful mantras is one of the effective ways to seek the grace of Devi Lakshmi for financial stability, removing debts, inviting prosperity and abundant wealth.
There are several Lakshmi Mantras, each serving a specific purpose. Some mantras invoke Goddess Lakshmi in her universal form to bring fortune, success, and prosperity. Others are dedicated to her individual forms, such as Siddha Lakshmi mantras for attaining siddhi, ashtalakshmi mantras for the eight distinct sources of prosperity, and so on.
Others, such as the Lakshmi Moola Mantra, Lakshmi Bija Mantra, or Slokas, can also be chanted alongside these mantras.

Lakshmi Mantra for Prosperity
ॐ श्रीं ह्रीं श्रीं कमले कमलालये प्रसीद प्रसीद ॐ श्रीं ह्रीं श्रीं महालक्ष्मयै नम:
Oṁ Śrīṁ Hrīṁ Śrīṁ Kamale Kamalālaye Prasīda Prasīda Oṁ Śrīṁ Hrīṁ Śrīṁ Mahālakṣmayai Namaḥ
I bow to goddess Mahalakshmi, who embodies the Shrim and Hrim Bijas, which represent prosperity and the divine energy of illusion, or maya. O that devi who dwells in the lotus, be pleased and bestow your grace.
Lakshmi Gayatri Mantra
ॐ महालक्ष्म्यै विद्महे विष्णुपत्न्यै धीमहि तन्नो लक्ष्मी प्रचोदयात्
Oṁ Mahālakṣmyai Vidmahe Viṣṇupatnyai Dhīmahi Tanno Lakṣmī Pracodayāt
We meditate on Goddess Mahalakshmi, the consort of Lord Vishnu; we contemplate on her. May that Goddess Lakshmi enlighten our intellect.
Mahalakshmi Invocation Mantra
ॐ श्रीं ह्रीं क्लीं लक्ष्मि आगच्छ आगच्छ मम मन्दिरे तिष्ठ तिष्ठ स्वाहा
Oṃ Śrīṃ Hrīṃ Klīṃ Lakṣmi Āgaccha Āgaccha Mama Mandire Tiṣṭha Tiṣṭha Svāhā
O the Goddess who embodies the sacred Bijas Srim, Hrim and Klim that represent prosperity, divine energy of illusion, and the bija of desire and attraction, please come, enter, and remain here. May you reside in our mandir permanently. Please accept our offerings.
Siddha Lakshmi Mantra
ॐ श्रीं ह्रीं क्लीं श्रीं सिद्धलक्ष्म्यै नमः
Oṁ Śrīṁ Hrīṁ Klīṁ Śrīṁ Siddha-Lakṣmyai Namaḥ
O devi, the divine embodiment of seed sounds Srim, hrim, and klim, that represent prosperity, divine energy, and fulfilment. I bow to you, Goddess Siddha Lakshmi (who bestows prosperity and supernatural abilities called siddhis)
Ashtalakshmi Mantra
ॐ ह्रीं अष्टलक्ष्म्यै दारिद्र्य-विनाशिनि सर्वसुख समृद्धिं देहि देहि ह्रीं ॐ नमः
Oṃ Hrīṃ Aṣṭalakṣmyai Dāridrya-Vināśini Sarvasukha Samṛddhiṃ Dehi Dehi Hrīṃ Oṃ Namaḥ
I invoke the eight forms of Goddess Lakshmi (Ashtalakshmi) through the Hrim bija. I bow to that devi. Please destroy poverty; grant me, in abundance, the happiness and comforts of all forms. Grant me, Grant, in abundance.
Siddha Sabara Lakshmi Mantra for Money
ॐ श्रीं ह्रीं क्लीं त्रिभुवन पालिनी महालक्ष्मी अस्माकं दारिध्र्यम् नाशय नाशय प्रचुरं धनं मे देहि देहि क्लीं ह्रीं श्रीं ॐ
Oṁ Śrīṁ Hrīṁ Klīṁ Tribhuvana Pālinī Mahālakṣmī Asmākaṁ Daridhryam Nāśaya Nāśaya Pracuraṁ Dhanaṁ Me Dehi Dehi Klīṁ Hrīṁ Śrīṁ Oṁ
Reciting The Srim, Hrim and klim bijas, I invoke you Goddess Mahalakshmi, the ruler of three worlds, remove and destroy our poverty and grant me abundant wealth for me.
Mahalakshmi Mantra for Wealth
ऐं ह्रीं श्रीं क्लीं सौः जगत्प्रसुत्यै नमः
Aiṁ Hrīṁ Śrīṁ Klīṁ Sauḥ Jagat-Prasutyai Namaḥ
Salutations to the goddess, who is the source of creation of the universe. I invoke her with the Seed sounds that represent Knowledge, energy of illusion, desire, and fortune.
Simple Maha Lakshmi Mantras
ॐ महालक्ष्म्यै नमः
Oṁ Mahālakṣmyai Namaḥ
I bow to Goddess Mahalakshmi, the bestower of wealth and prosperity.
श्रीं ह्रीं ऐं महालक्ष्म्यै नमः
Śrīṁ Hrīṁ Aiṁ Mahālakṣmyai Namaḥ
Salutations to Goddess Maha Lakshmi, the devi who embodies srim, hrim, and aim bijas that represent prosperity, divine energy, and knowledge.
ॐ श्रीं श्रियै स्वाहा
Oṁ Śrīṁ Śriyai Svāhā
Om, I invoke the goddess Sri, the embodiment of the seed syllable Sreem. Please accept my offerings.
Benefits of Lakshmi Mantras
Chanting these sacred Lakshmi mantras with devotion removes poverty, invites fortune, stabilises and grows existing wealth.
These mantras bring prosperity in various ways, like knowledge, courage, authority, money, agriculture, victory, spirituality, and progeny.
Meditating using these mantras helps the practitioner to connect with the energy of Goddess Lakshmi, bringing peace and stability into life.
Regular chanting can even transform the negative circumstances in favour of the practitioner.
How Many Times to Chant
Many Mahalakshmi mantras originate from Vedic, Puranic, and traditional spiritual texts and are widely practised in mantra sadhana. When it comes to attaining mantra siddhi, the required number of repetitions (japa sankhya) differs significantly and requires specific rules and procedures to be followed, preferably under the guidance of an eligible Guru.
The prescribed count for the Lakshmi mantra for prosperity, siddha sabara, and siddha lakshmi is 4 lakh (0.4 million) repetitions, or alternatively, 1008 daily repetitions continued until the desired results are achieved. The Lakshmi Gayatri mantra traditionally requires a much higher count of 24 lakh (2.4 million) repetitions. For Ashta Lakshmi mantras, the japa count is 1 lakh (0.1 million).
For most other Lakshmi mantras, japa sankhya is 1.25 lakh (125,000) repetitions, or consistent daily chanting of 1008 times, until the intention becomes fruitful.
During puja, for daily worship, one can chant the mantras 16 or 108 times.
When to Chant these Mantras
Although these mantras can be chanted at any time, certain times are highly conducive to mantra practice. Brahma muhurtha and evening time after Pradosha kalam are auspicious for the worship of Goddess Lakshmi.
One can also chant these mantras on special occasions associated with Goddess Lakshmi or Lord Kubera, but sincere daily practice is preferable to occasional worship.