Sahih Adab al-Mufrad

It is narrated from Sayyiduna Abu Dharr (may Allah be pleased with him) that he said: It was said, "O Messenger of Allah! The wealthy have taken all the reward. They pray as we pray, they fast as we fast, and (in addition to this) they give charity from their surplus wealth." The Prophet (peace and blessings of Allah be upon him) said: "Has Allah not given you something with which you can give charity? Indeed! Every 'Subhan Allah' and every 'Alhamdulillah' is charity, and for any one of you to fulfill the duty of intimacy with his wife is charity." It was asked: "Is there charity even in fulfilling one's desire?" He replied: "If he were to fulfill it unlawfully, would he not be sinful? In the same way, if he fulfills it lawfully, there is a reward for him."