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The 95 Theses – a modern translation

1. When Jesus said “repent” he meant that believers should live a whole life repenting

2. Only God can give salvation – not a priest.

3. Inwards penitence must be accompanied with a suitable change in lifestyle.

4. Sin will always remain until we enter Heaven.

5. The pope must act according to canon law.

6. Only God can forgive -the pope can only reassure people that God will do this.

7. A sinner must be humbled in front of his priest before God can forgive him.

8. Canon law applies only to the living not to the dead.

9. However, the Holy Spirit will make exceptions to this when required to do so.

10. The priest must not threaten those dying with the penalty of purgatory.

11. The church through church penalties is producing a ‘human crop of weeds’.

12. In days gone by, church penalties were imposed before release from guilt to show true repentance.

13. When you die all your debts to the church are wiped out and those debts are free from being judged.

14. When someone is dying they might have bad/incorrect thoughts against the church and they will be scared. This fear is enough penalty.

15. This fear is so bad that it is enough to cleanse the soul.

16. Purgatory = Hell. Heaven = Assurance.

17. Souls in Purgatory need to find love – the more love the less their sin.

18. A sinful soul does not have to be always sinful. It can be cleansed.

19. There is no proof that a person is free from sin.

20. Even the pope – who can offer forgiveness – cannot totally forgive sins held within.

21. An indulgence will not save a man.

22. A dead soul cannot be saved by an indulgence.

23. Only a very few sinners can be pardoned. These people would have to be perfect.

24. Therefore most people are being deceived by indulgences.

25. The pope’s power over Purgatory is the same as a priest’s.

26. When the pope intervenes to save an individual, he does so by the will of God.

27. It is nonsense to teach that a dead soul in Purgatory can be saved by money.

28. Money causes greed – only God can save souls.

29. Do we know if the souls in Purgatory want to be saved ?

30. No-one is sure of the reality of his own penitence – no-one can be sure of receiving complete forgiveness.

31. A man who truly buys an indulgence (ie believes it is to be what it is) is as rare as someone who truly repents all sin ie very rare.

32. People who believe that indulgences will let them live in salvation will always be damned – along with those who teach it.

33. Do not believe those who say that a papal indulgence is a wonderful gift which allows salvation.

34. Indulgences only offer Man something which has been agreed to by Man.

35. We should not teach that those who aim to buy salvation do not need to be contrite.

36. A man can be free of sin if he sincerely repents – an indulgence is not needed.

37. Any Christian – dead or alive – can gain the benefit and love of Christ without an indulgence.

38. Do not despise the pope’s forgiveness but his forgiveness is not the most important.

39. The most educated theologians cannot preach about indulgences and real repentance at the same time.

40. A true repenter will be sorry for his sins and happily pay for them. Indulgences trivialise this issue.

41. If a pardon is given it should be given cautiously in case people think it’s more important than doing good works.

42. Christians should be taught that the buying of indulgences does not compare with being forgiven by Christ.

43. A Christian who gives to the poor or lends to those in need is doing better in God’s eyes than one who buys ‘forgiveness’.

44. This is because of loving others, love grows and you become a better person. A person buying an indulgence does not become a better person.

45. A person who passes by a beggar but buys an indulgence will gain the anger and disappointment of God.

46. A Christian should buy what is necessary for life not waste money on an indulgence.

47. Christians should be taught that they do not need an indulgence.

48. The pope should have more desire for devout prayer than for ready money.

49. Christians should be taught not to rely on an indulgence. They should never lose their fear of God through them.

50. If a pope knew how much people were being charged for an indulgence – he would prefer to demolish St. Peter’s.

51. The pope should give his own money to replace that which is taken from pardoners.

52. It is vain to rely on an indulgence to forgive your sins.

53. Those who forbid the word of God to be preached and who preach pardons as a norm are enemies of both the pope and Christ.

54. It is blasphemy that the word of God is preached less than that of indulgences.

55. The pope should enforce that the gospel – a very great matter – must be celebrated more than indulgences.

56. The treasure of the church is not sufficiently known about among the followers of Christ.

57. The treasure of the Church are temporal (of this life).

58. Relics are not the relics of Christ, although they may seem to be. They are, in fact, evil in concept.

59. St. Laurence misinterpreted this as the poor gave money to the church for relics and forgiveness.

60. Salvation can be sought for through the church as it has been granted this by Christ.

61. It is clear that the power of the church is adequate, by itself, for the forgiveness of sins.

62. The main treasure of the church should be the Gospels and the grace of God.

63. Indulgences make the most evil seem unjustly good.

64. Therefore evil seems good without penance or forgiveness.

65. The treasured items in the Gospels are the nets used by the workers.

66. Indulgences are used to net an income for the wealthy.

67. It is wrong that merchants praise indulgences.

68. They are the furthest from the grace of God and the piety and love of the cross.

69. Bishops are duty bound to sell indulgences and support them as part of their job.

70. But bishops are under a much greater obligation to prevent men preaching their own dreams.

71. People who deny the pardons of the Apostles will be cursed.

72. Blessed are they who think about being forgiven.

73. The pope is angered at those who claim that pardons are meaningless.

74. He will be even more angry with those who use indulgences to criticise holy love.

75. It is wrong to think that papal pardons have the power to absolve all sin.

76. You should feel guilt after being pardoned. A papal pardon cannot remove guilt.

77. Not even St. Peter could remove guilt.

78. Even so, St. Peter and the pope possess great gifts of grace.

79. It is blasphemy to say that the insignia of the cross is of equal value with the cross of Christ.

80. Bishops who authorise such preaching will have to answer for it.

81. Pardoners make the intelligent appear disrespectful because of the pope’s position.

82. Why doesn’t the pope clean feet for holy love not for money ?

83. Indulgences bought for the dead should be re-paid by the pope.

84. Evil men must not buy their salvation when a poor man, who is a friend of God, cannot.

85. Why are indulgences still bought from the church ?

86. The pope should re-build St. Peter’s with his own money.

87. Why does the pope forgive those who serve against him ?

88. What good would be done to the church if the pope was to forgive hundreds of people each day ?

89. Why are indulgences only issued when the pope sees fit to issue them ?

90. To suppress the above is to expose the church for what it is and to make true Christians unhappy.

91. If the pope had worked as he should (and by example) all the problems stated above would not have existed.

92. All those who say there is no problem must go. Problems must be tackled.

93. Those in the church who claim there is no problem must go.

94. Christians must follow Christ at all cost.

95. Let Christians experience problems if they must – and overcome them – rather than live a false life based on present Catholic teaching.

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Martin Luther and the 95 Theses

By: History.com Editors

Updated: June 6, 2019 | Original: October 29, 2009

Born in Eisleben, Germany, in 1483, Martin Luther went on to become one of Western history’s most significant figures. Luther spent his early years in relative anonymity as a monk and scholar. But in 1517 Luther penned a document attacking the Catholic Church’s corrupt practice of selling “indulgences” to absolve sin. His “95 Theses,” which propounded two central beliefs—that the Bible is the central religious authority and that humans may reach salvation only by their faith and not by their deeds—was to spark the Protestant Reformation. Although these ideas had been advanced before, Martin Luther codified them at a moment in history ripe for religious reformation. The Catholic Church was ever after divided, and the Protestantism that soon emerged was shaped by Luther’s ideas. His writings changed the course of religious and cultural history in the West.

Martin Luther (1483–1546) was born in Eisleben, Saxony (now Germany), part of the Holy Roman Empire, to parents Hans and Margaretta. Luther’s father was a prosperous businessman, and when Luther was young, his father moved the family of 10 to Mansfeld. At age five, Luther began his education at a local school where he learned reading, writing and Latin. At 13, Luther began to attend a school run by the Brethren of the Common Life in Magdeburg. The Brethren’s teachings focused on personal piety, and while there Luther developed an early interest in monastic life.

Did you know? Legend says Martin Luther was inspired to launch the Protestant Reformation while seated comfortably on the chamber pot. That cannot be confirmed, but in 2004 archeologists discovered Luther's lavatory, which was remarkably modern for its day, featuring a heated-floor system and a primitive drain.

Martin Luther Enters the Monastery

But Hans Luther had other plans for young Martin—he wanted him to become a lawyer—so he withdrew him from the school in Magdeburg and sent him to new school in Eisenach. Then, in 1501, Luther enrolled at the University of Erfurt, the premiere university in Germany at the time. There, he studied the typical curriculum of the day: arithmetic, astronomy, geometry and philosophy and he attained a Master’s degree from the school in 1505. In July of that year, Luther got caught in a violent thunderstorm, in which a bolt of lightning nearly struck him down. He considered the incident a sign from God and vowed to become a monk if he survived the storm. The storm subsided, Luther emerged unscathed and, true to his promise, Luther turned his back on his study of the law days later on July 17, 1505. Instead, he entered an Augustinian monastery.

Luther began to live the spartan and rigorous life of a monk but did not abandon his studies. Between 1507 and 1510, Luther studied at the University of Erfurt and at a university in Wittenberg. In 1510–1511, he took a break from his education to serve as a representative in Rome for the German Augustinian monasteries. In 1512, Luther received his doctorate and became a professor of biblical studies. Over the next five years Luther’s continuing theological studies would lead him to insights that would have implications for Christian thought for centuries to come.

Martin Luther Questions the Catholic Church

In early 16th-century Europe, some theologians and scholars were beginning to question the teachings of the Roman Catholic Church. It was also around this time that translations of original texts—namely, the Bible and the writings of the early church philosopher Augustine—became more widely available.

Augustine (340–430) had emphasized the primacy of the Bible rather than Church officials as the ultimate religious authority. He also believed that humans could not reach salvation by their own acts, but that only God could bestow salvation by his divine grace. In the Middle Ages the Catholic Church taught that salvation was possible through “good works,” or works of righteousness, that pleased God. Luther came to share Augustine’s two central beliefs, which would later form the basis of Protestantism.

Meanwhile, the Catholic Church’s practice of granting “indulgences” to provide absolution to sinners became increasingly corrupt. Indulgence-selling had been banned in Germany, but the practice continued unabated. In 1517, a friar named Johann Tetzel began to sell indulgences in Germany to raise funds to renovate St. Peter’s Basilica in Rome.

The 95 Theses

Committed to the idea that salvation could be reached through faith and by divine grace only, Luther vigorously objected to the corrupt practice of selling indulgences. Acting on this belief, he wrote the “Disputation on the Power and Efficacy of Indulgences,” also known as “The 95 Theses,” a list of questions and propositions for debate. Popular legend has it that on October 31, 1517 Luther defiantly nailed a copy of his 95 Theses to the door of the Wittenberg Castle church. The reality was probably not so dramatic; Luther more likely hung the document on the door of the church matter-of-factly to announce the ensuing academic discussion around it that he was organizing.

The 95 Theses, which would later become the foundation of the Protestant Reformation, were written in a remarkably humble and academic tone, questioning rather than accusing. The overall thrust of the document was nonetheless quite provocative. The first two of the theses contained Luther’s central idea, that God intended believers to seek repentance and that faith alone, and not deeds, would lead to salvation. The other 93 theses, a number of them directly criticizing the practice of indulgences, supported these first two.

In addition to his criticisms of indulgences, Luther also reflected popular sentiment about the “St. Peter’s scandal” in the 95 Theses:

Why does not the pope, whose wealth today is greater than the wealth of the richest Crassus, build the basilica of St. Peter with his own money rather than with the money of poor believers?

The 95 Theses were quickly distributed throughout Germany and then made their way to Rome. In 1518, Luther was summoned to Augsburg, a city in southern Germany, to defend his opinions before an imperial diet (assembly). A debate lasting three days between Luther and Cardinal Thomas Cajetan produced no agreement. Cajetan defended the church’s use of indulgences, but Luther refused to recant and returned to Wittenberg.

Luther the Heretic

On November 9, 1518 the pope condemned Luther’s writings as conflicting with the teachings of the Church. One year later a series of commissions were convened to examine Luther’s teachings. The first papal commission found them to be heretical, but the second merely stated that Luther’s writings were “scandalous and offensive to pious ears.” Finally, in July 1520 Pope Leo X issued a papal bull (public decree) that concluded that Luther’s propositions were heretical and gave Luther 120 days to recant in Rome. Luther refused to recant, and on January 3, 1521 Pope Leo excommunicated Martin Luther from the Catholic Church.

On April 17, 1521 Luther appeared before the Diet of Worms in Germany. Refusing again to recant, Luther concluded his testimony with the defiant statement: “Here I stand. God help me. I can do no other.” On May 25, the Holy Roman emperor Charles V signed an edict against Luther, ordering his writings to be burned. Luther hid in the town of Eisenach for the next year, where he began work on one of his major life projects, the translation of the New Testament into German, which took him 10 months to complete.

Martin Luther's Later Years

Luther returned to Wittenberg in 1521, where the reform movement initiated by his writings had grown beyond his influence. It was no longer a purely theological cause; it had become political. Other leaders stepped up to lead the reform, and concurrently, the rebellion known as the Peasants’ War was making its way across Germany.

Luther had previously written against the Church’s adherence to clerical celibacy, and in 1525 he married Katherine of Bora, a former nun. They had five children. At the end of his life, Luther turned strident in his views, and pronounced the pope the Antichrist, advocated for the expulsion of Jews from the empire and condoned polygamy based on the practice of the patriarchs in the Old Testament.

Luther died on February 18, 1546.

Significance of Martin Luther’s Work

Martin Luther is one of the most influential figures in Western history. His writings were responsible for fractionalizing the Catholic Church and sparking the Protestant Reformation. His central teachings, that the Bible is the central source of religious authority and that salvation is reached through faith and not deeds, shaped the core of Protestantism. Although Luther was critical of the Catholic Church, he distanced himself from the radical successors who took up his mantle. Luther is remembered as a controversial figure, not only because his writings led to significant religious reform and division, but also because in later life he took on radical positions on other questions, including his pronouncements against Jews, which some have said may have portended German anti-Semitism; others dismiss them as just one man’s vitriol that did not gain a following. Some of Luther’s most significant contributions to theological history, however, such as his insistence that as the sole source of religious authority the Bible be translated and made available to everyone, were truly revolutionary in his day.

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The 95 Theses: A reader’s guide

by Kevin Armbrust

October 2017 marks the 500th anniversary of the Lutheran Reformation. Yet it is not the anniversary of any great statement Luther made as a reformer or in front of any court. There was no fiery and resounding speech given or dramatic showdown with the pope. On October 31, 1517, Martin Luther posted the “Disputation on the Power and Efficacy of Indulgences” to the church door in a small city called Wittenberg, Germany. This rather mundane academic document contained 95 theses for debate. Luther was a professor of theology at the University of Wittenberg, and he was permitted to call for public theological debate to discuss ideas and interpretations as he desired.

Yet this debate was not merely academic for Luther. According to a letter he wrote to the Archbishop of Mainz explaining the posting of the 95 Theses, Luther also desired to debate the concerns in the Theses for the sake of conscience.

Luther’s short preface explains:

“Out of love and zeal for truth and the desire to bring it to light, the following theses will be publicly discussed at Wittenberg under the chairmanship of the reverend father Martin Luther, Master of Arts and Sacred Theology and regularly appointed Lecturer on these subjects at that place. He requests that those who cannot be present to debate orally with us will do so by letter.”

The original text of the 95 Theses was written in Latin, since that was the academic language of Luther’s day. Luther’s theses were quickly translated into German, published in pamphlet form and spread throughout Germany.

Though English translations are readily available , many have found the 95 Theses difficult to read and comprehend. The short primer that follows may assist to highlight some of the theses and concepts Luther wished to explore.

Repentance and forgiveness dominate the content of the Theses. Since the question for Luther was the effectiveness of indulgences, he drove the discussion to the consideration of repentance and forgiveness in Christ. The first three theses address this:

1. When our Lord and Master Jesus Christ said, “Repent” [MATT. 4:17], he willed the entire life of believers to be one of repentance.

2. This word cannot be understood as referring to the sacrament of penance, that is, confession and satisfaction, as administered by the clergy.

3. Yet it does not mean solely inner repentance; such inner repentance is worthless unless it produces various outward mortifications of the flesh.

The pope and the Church cannot cause true repentance in a Christian and cannot forgive the sins of one who is guilty before Christ. The pope can only forgive that which Christ forgives. True repentance and eternal forgiveness come from Christ alone.

Luther identifies indulgences as a doctrine invented by man, since there is no scriptural promise or command for indulgences. Although Luther stops short of entirely condemning indulgences in the Theses, he nonetheless argues that the sale of indulgences and the trust in indulgences for salvation condemns both those who teach such notions and those who trust in them.

27. They preach only human doctrines who say that as soon as the money clinks into the money chest, the soul flies out of purgatory.

28. Those who believe that they can be certain of their salvation because they have indulgence letters will be eternally damned, together with their teachers.

God’s grace comes not through indulgences but through Christ. All Christians receive the blessings of God apart from indulgence letters.

36. Any truly repentant Christian has a right to full remission of penalty and guilt, even without indulgence letters.

37. Any true Christian, whether living or dead, participates in all the blessings of Christ and the church; and this is granted him by God, even without indulgence letters.

If Christians are going to spend money on something other than supporting their families, they should take care of the poor instead of buying indulgences.

43. Christians are to be taught that he who gives to the poor or lends to the needy does a better deed than he who buys indulgences.

The second half of the 95 Theses concentrates on the preaching of the true Word of the Gospel. Luther states that the teaching of indulgences should be lessened so that there might be more time for the proclamation of the true Gospel.

62. The true treasure of the church is the most holy gospel of the glory and grace of God.

63. But this treasure is naturally most odious, for it makes the first to be last [MATT. 20:16].

The Gospel of Christ is the true power for salvation (ROM. 1:16), not indulgences or even the power of the papal office.

76. We say on the contrary that papal indulgences cannot remove the very least of venial sins as far as guilt is concerned.

77. To say that even St. Peter, if he were now pope, could not grant greater graces is blasphemy against St. Peter and the pope.

78. We say on the contrary that even the present pope, or any pope whatsoever, has greater graces at his disposal, that is, the gospel, spiritual powers, gifts of healing, etc., as it is written in I Cor. 12[:28].

Preaching a false hope is really no hope at all. As a matter of fact, a false hope destroys and kills because it moves people away from Christ, where true salvation is found. The Gospel is found in Christ alone, which includes a cross and tribulations both large and small.

92. Away then with all those prophets who say to the people of Christ, “Peace, peace,” and there is no peace! [JER. 6:14].

93. Blessed be all those prophets who say to the people of Christ, “Cross, cross,” and there is no cross!

94. Christians should be exhorted to be diligent in following Christ, their head, through penalties, death, and hell;

95. And thus be confident of entering into heaven through many tribulations rather than through the false security of peace [ACTS 14:22].

Throughout the 95 Theses, Luther seeks to balance the role of the Church with the truth of the Gospel. Even as he desired to support the pope and his role in the Church, the false teaching of indulgences and the pope’s unwillingness to freely forgive the sins of all repentant Christians compelled him to speak up against these abuses.

Luther’s pastoral desire for all to trust in Christ alone for salvation drove him to post the 95 Theses. This same faith and hope sparked the Reformation that followed.

Dr. Kevin Armbrust is manager of editorial services for LCMS Communications. 

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Kevin Armbrust

11 thoughts on “the 95 theses: a reader’s guide”.

Thx. This article does clear up a number of difficulties in interpreting the drift & theme of the 95 thesis. The fact that he supports the pope’s office at this juncture is new to me.

Very useful as I prepare a Sunday School lesson. Thanks

As important as the 95 Theses were for the beginning of the Reformation, and since they are not specifically part of the Lutheran Confessions, are there any of the Theses that we Lutherans consider unimportant or would rather avoid, theologically speaking?

I wish Luther was here, maybe things would change in our country and bring more folks to Jesus .

“When our Lord and master Jesus Christ says, ‘Repent,’ he wills that the entire life of the Christian be one of repentance.”

This seemingly joyless statement is often quoted, less often explained, and easily misunderstood. Is Jesus calling for the main theme of Christian life to be, “I’m ashamed of my sin”?

The full sentence from Matthew 4:17 is, “Repent, for the kingdom of heaven is at hand,” spoken when Jesus was beginning His ministry. This layman might paraphrase those words as, “Change your mindset, for divine authority is coming among you.” Indeed, when a very important person is coming to visit, we depart from business as usual, adjust our priorities, focus on careful preparation, and behave as befits the status of the visitor.

The word “repent” is recorded in Greek as “metanoeite”, which I understand to be not about remorse — not primarily about feelings at all — but about changing one’s mind or purpose.

The Christian life has a variety of themes, of which repentance is one. But repentance is not an end in itself. It is pivoting and changing course to pursue a direction that better fulfills God’s purposes as He gives the grace. For Jesus also willed “that you bear much fruit” (John 15:8) and “that your joy may be full” (John 15:11).

Could you explain number 93? I need this one explained. Jackie

Agreed. 93 is confusing.

In contrast to the false security of indulgences referenced in 92, number 93 references the preaching of true repentance. With true contrition and repentance over our sins, we Christians humble ourselves to the truth that we have earned our place on the cross as punishment and condemnation. But then we find the eternal surprise and wellspring of joy that our cross has been taken away from us and made Christ’s own. In exchange He gives us forgiveness, life and salvation!

Thank you, James Athey.

I myself did not fully understand this thesis yesterday, when I searched the Internet for an explanation of it. I found that I was not the only person who was confused by it. I also found that Luther explained it in a letter that he wrote to an Augustinian prior in 1516. Here is his explanation:

You are seeking and craving for peace, but in the wrong order. For you are seeking it as the world giveth, not as Christ giveth. Know you not that God is “wonderful among His saints,” for this reason, that He establishes His peace in the midst of no peace, that is, of all temptations and afflictions. It is said “Thou shalt dwell in the midst of thine enemies.” The man who possesses peace is not the man whom no one disturbs—that is the peace of the world; he is the man whom all men and all things disturb, but who bears all patiently, and with joy. You are saying with Israel, “Peace, peace,” and there is no peace. Learn to say rather with Christ: “The Cross, the Cross,” and there is no Cross. For the Cross at once ceases to be the Cross as soon as you have joyfully exclaimed, in the language of the hymn,

Blessed Cross, above all other, One and only noble tree.

It is posted here: http://www.ccel.org/ccel/luther/first_prin.iii.i.html

Magnificent!

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Martin Luther's 95 Theses

This translation of Martin Luther's 95 theses was published in the Works of Martin Luther  by Adolf Spaeth et al [ means "and others" ]. Published 1915.

Our books consistently maintain 4-star and better ratings despite the occasional 1- and 2-star ratings from people angry because we have no respect for sacred cows.

It's important to notice that all  of the 95 theses have to do with indulgences .

Since Luther's most famous doctrine is Sola Fide , it's often assumed that this was the topic of the ninety-five theses or that they covered many of the doctrinal issues he had with Roman Catholicism.

They did not. They all concern indulgences.

I posted Martin Luther's 95 theses  on this site long ago, but not everyone understands either the context or the meaning of the theses. So, to the actual text of Martin Luther's challenge, I will add just a couple paragraphs of historical context and an explanation of each thesis.

Historical Context

It is often thought that Martin Luther was protesting the Roman Catholic Church in the 95 theses, or that much of his Reformation theology is espoused in them. That is not true.

Martin Luther was a good Catholic when he posted his debate challenge, and the topic was purely the subject of " indulgences ," and more specifically the abuse and sale of indulgences. (A brief definition of indulgences would be a release from the penalty of sin based on the merits of Jesus and the saints.) The specific issue was that Johann Tetzel , sent by the pope to earn money for the building of St. Peter's Basilica in Rome, was preying on the ignorance of poverty-stricken and superstitious Germans, collecting money from them to buy the release of their relatives from the fires of Purgatory .

Martin Luther's Heading to the 95 Theses

Out of love for the truth and the desire to bring it to light, the following propositions will be discussed at Wittenberg, under the presidency of the Reverend Father Martin Luther, Master of Arts and of Sacred Theology, and Lecturer in Ordinary on the same at that place. Wherefore he requests that those who are unable to be present and debate orally with us, may do so by letter.

In the Name of our Lord Jesus Christ. Amen.

Martin Luther was not merely protesting. He was issuing a general challenge to a public discussion with the 95 theses as the topic of discussion. The reason that it was possible to invite the public to a discussion of ninety-five  topics is because Luther had really only covered one topic. He had 95 arguments, or almost 95 arguments, against indulgences, but indulgences were his one topic.

The 95 Theses Explained

1. Our Lord and Master Jesus Christ, when He said  Poenitentiam agite  ["Repent"], willed that the whole life of believers should be repentance.

Poenitentiam agite  is a quote from Matthew 3:2 and 4:17 in Jerome's Latin Vulgate. Modern English translations have "repent," though  poenitentiam agite  literally means "do penance." Martin Luther begins his arguments against indulgences by saying that we should be living lives of repentance.

2. This word cannot be understood to mean sacramental penance, i.e., confession and satisfaction, which is administered by the priests.

Luther argues that Jesus' command to "do penance" cannot be interpreted to mean the penance prescribed by priests after confession. (Today, this would usually be something like "say five Hail Mary's, three Our Father's, and one Act of Contrition." At least, that's what I experienced growing up Roman Catholic. It may have been very much different in Luther's time.)

The attempt here is to divorce the penalty of sin from any penance prescribed by a priest. In the arguments that follow, he will tie the penalty of sin to repentance and hatred of self rather than to a penance that the Church can prescribe are take away.

In what would become the Protestant motto, Luther does exalt the command of Jesus over the tradition of the Roman Catholic Church, though it becomes clear as we progress through his theses that he expects the pope to agree with him on these things. He is trying to oppose  Johann Tetzel  and to stop his extortion of the German people, not to oppose the pope or the Church.

3. Yet it means not inward repentance only; nay, there is no inward repentance which does not outwardly work divers mortifications of the flesh.

Luther argues that all inward repentance will, by its very nature, produce "divers mortifications of the flesh." In other words, true repentance will put the flesh to death in some outward way.

4. The penalty [of sin], therefore, continues so long as hatred of self continues; for this is the true inward repentance, and continues until our entrance into the kingdom of heaven.

Luther reference "the penalty" because that is what an indulgence is supposed to remit. He ties the penalty of sin to hatred of self that should never end rather than a temporary penance issued by the Church. 

5. The pope does not intend to remit, and cannot remit any penalties other than those which he has imposed either by his own authority or by that of the Canons.

Here Luther begins to make use of what he has asserted in the first four theses. The repentance that matters, he has said, is what Jesus has commanded. That repentance never goes away, and it is not a penance prescribed by a priest. So here he follows those assertions up by stating that the only penalties that the pope can remit are those that he has imposed himself by his own authority or on the basis of established ecclesiastical rules (canons).

6. The pope cannot remit any guilt, except by declaring that it has been remitted by God and by assenting to God's remission; though, to be sure, he may grant remission in cases reserved to his judgment. If his right to grant remission in such cases were despised, the guilt would remain entirely unforgiven.

The pope can only remit guilt if God has remitted it. There are areas reserved to his judgment that only he can remit.

7. God remits guilt to no one whom He does not, at the same time, humble in all things and bring into subjection to His vicar, the priest.

When God remits guilt, he also humbles the repentant person, and he requires of penitent that he be subject to God's representative, the priest. The point here is that this type of remission cannot be gained by putting money into Johann Tetzel's money box because that does not produce humility nor bring about subjection to the priest.

Note that Martin Luther is still a good Catholic and priest at this point. He has much to say, even in his later Protestant writings, about submission to the pastor. Here, he is promoting a better route to remission. In confession, penance is assigned to humble the penitent person and this penance is done in submission to the priest as God's representative.

8. The penitential canons are imposed only on the living, and, according to them, nothing should be imposed on the dying.

Penitential canons  were rules about the prescribing of penance after confession. The penance included things like prolonged fasts or banishment from the communion table for periods that could last for over a decade.

Martin Luther points out that the canons that the church is allowed to prescribe all have to do with things that concern the living. They do not include purgatory. This is an obvious foundation for the argument that the Church cannot limit the length of purgatory, but can only remove penalties that it has imposed.

9. Therefore the Holy Spirit in the pope is kind to us, because in his decrees he always makes exception of the article of death and of necessity.

Through the Church and through the pope, the Holy Spirit is kind to us because the penitential canons, the penalties the church is allowed to impose, do not include death. I am not sure what Martin Luther means by "necessity." (If any reader can help with this, please email me using the "contact me" button on the Navbar.)

10. Ignorant and wicked are the doings of those priests who, in the case of the dying, reserve canonical penances for purgatory.

If a priest receives a confession from a dying person, then issues him a penance that will be performed in purgatory, then that priest is ignorant and wicked. He is ignorant because the penitential canons allow no such thing, and he is wicked because even a dying person should be granted full cleansing of the soul before departing this life.

11. This changing of the canonical penalty to the penalty of purgatory is quite evidently one of the tares that were sown while the bishops slept.

This habit of prescribing penalties to be paid in purgatory is compared to the sowing of tares by an enemy in Jesus' parable in Matthew 23:34-40. The references to the bishops sleeping might be a harmless reference to the parable, but it is more likely a jab, an early display of Martin Luther's acerbic wit.

12. In former times the canonical penalties were imposed not after, but before absolution, as tests of true contrition.

The prescribing of penalties by a priest was for the purpose of testing true sorrow, true repentance. Once those penalties were performed, only then was the penitent absolved of his sin.

13. The dying are freed by death from all penalties; they are already dead to canonical rules, and have a right to be released from them.

Since the penitential canons apply to this life only, and priests are only to administer penalties that can be performed in this life, then the death of a Christian frees him from all such penalties. They cannot be performed by those who have passed on, and so they are released.

14. The imperfect health [of soul], that is to say, the imperfect love, of the dying brings with it, of necessity, great fear; and the smaller the love, the greater is the fear.

Luther now leaves the discussion of penalties in this life versus penalties in purgatory. His new subject concerns the fear and despair of the dying. The less love that the dying person has shown in his or her life, the greater is their fear as they face death.

15. This fear and horror is sufficient of itself alone (to say nothing of other things) to constitute the penalty of purgatory, since it is very near to the horror of despair.

This fear of death, especially in those that have not loved much, serves as the penalty of purgatory because it is so full of despair. (This could be interpreted to mean that Martin Luther finds purgatory unnecessary, but he shows us in the next few theses this is not true.)

16. Hell, purgatory, and heaven seem to differ as do despair, almost-despair, and the assurance of safety.

I don't think this needs explanation in light of the explanation of theses 14 and 15.

17. With souls in purgatory it seems necessary that horror should grow less and love increase.

Purgatory is supposed to "purge" the sinner whose sins are not so great that he should go to hell. Hence the name "Purgatory." As the sinner finds his conscience purged in purgatory, his fear and despair should grow less, and his love should increase.

18. It seems unproved, either by reason or Scripture, that they are outside the state of merit, that is to say, of increasing love.

This, like so many other theses in Martin Luther's treatise, is just a buildup for the following theses. Here he says that no one has proven that those in purgatory cannot receive merit in the way of increasing love.

19. Again, it seems unproved that they, or at least that all of them, are certain or assured of their own blessedness, though we may be quite certain of it.

Still setting a foundation for following theses, Luther points out that no one has proven that all of the people in purgatory are certain that they will leave purgatory for heaven. Nonetheless, for some reason I do not understand, he says we may be quite certain it is true that all those in purgatory have an assurance that they will arrive at blessedness.

20. Therefore by "full remission of all penalties" the pope means not actually "of all," but only of those imposed by himself.

Since some penalties are remitted in purgatory to the benefit, in growing love and lessening fear, of the resident there, the pope cannot offer to remit all penalties, but only those that he himself has imposed.

We should emphasize here that indulgences are meant to remit the  penalty  of sin, not sin itself. The sin itself needs to be forgiven through repentance and confession, but even a forgiven sin sometimes involves lamenting, mourning, and weeping (James 4:9,10). The Roman Catholic Church has taken this so far that some sins obtain a penalty of purgatory before real deliverance from sin occurs.

Here, once again, Luther concludes that the only penalties for sin that the pope can remove are the ones that he himself has prescribed.

21. Therefore those preachers of indulgences are in error, who say that by the pope's indulgences a man is freed from every penalty, and saved;

This would have been a claim of Johann Tetzel, and probably others. Luther denies it based on his previous points.

22. Whereas he remits to souls in purgatory no penalty which, according to the canons, they would have had to pay in this life.

Luther is explaining his conclusion of thesis 21, so he repeats some of his earlier points. Here he says that when the preachers of indulgences promise to remit penalties in purgatory, they are outside their bounds because any penalty being paid in purgatory does not belong to this life. Luther has shown earlier that the pope can only remit penalties that can be carried out in this life because those are the only ones he is allowed to impose by the canons.

23. If it is at all possible to grant to any one the remission of all penalties whatsoever, it is certain that this remission can be granted only to the most perfect, that is, to the very fewest.

Even if it were possible to grant someone the remission of all penalties for the sins they have committed, this would surely be true to very few people, those who have lived the most perfect lives.

24. It must needs be, therefore, that the greater part of the people are deceived by that indiscriminate and highsounding promise of release from penalty.

Therefore, since, at best, only a rare few could have all their penalties remitted by an indulgence, then the majority of people are being deceived by the claims of the indulgence preachers.

25. The power which the pope has, in a general way, over purgatory, is just like the power which any bishop or curate has, in a special way, within his own diocese or parish.

The pope's power over purgatory can be compared to a bishop's authority over his own diocese and parish.

Statements like these are confusing as you read through the 95 theses unless you realize that they are foundations for later arguments. Reading a statement like this is like reading the start of a sentence. Read on and Martin Luther will tell you where he is going.

26. The pope does well when he grants remission to souls [in purgatory], not by the power of the keys (which he does not possess), but by way of intercession.

The parentheses belong to Martin Luther. However, at this point in his life, Martin Luther would not have denied to the pope the power of the keys of the kingdom (Matt. 16:18-19). Therefore this is mistranslated. Another translation reads: "(which he cannot exercise for them)."

Such a translation fits in with everything Luther has been saying. The pope cannot use the keys of the kingdom, which he does possess, to help people in purgatory. He can only help those who have penalties that belong to this life, penalties which the pope, either personally or through the local priest, has imposed himself.

Therefore, it is a good thing, Luther argues, if the pope prays for people in purgatory to have their penalties remitted, but he cannot remove penalties to souls in purgatory by the power of his office.

27. They preach man who say that so soon as the penny jingles into the money-box, the soul flies out [of purgatory].

Johann Tetzel had a famous jingle as a sales pitch. In German it rhymed:

So wie das Geld im Kasten klingt Die Seele aus dem Fegfeuer springt

In English, this is "As soon as the money jingles in the box, the soul leaps out of Purgatory."

Luther says that those who say this are preaching the doctrines of men.

28. It is certain that when the penny jingles into the money-box, gain and avarice can be increased, but the result of the intercession of the Church is in the power of God alone.

Luther turns their jingle around and says that it is gain and avarice that can be increased by pennies jingling in money-boxes. The intercession of the Church produces the power of God, not money.

29. Who knows whether all the souls in purgatory wish to be bought out of it, as in the legend of Sts. Severinus and Paschal.

Luther moves on in a surprising direction. What if there are souls that do not wish to have their time in Purgatory shortened? He references Saint Severinus of Noricum, a fifth-century Christian, and Pope Paschal I, who are supposed to have offered to go to Purgatory and bear its pains on behalf of other faithful believers.

It is very hard to track down this legend! So far all I have been able to find is rumor. I will keep looking to see where it came from. There is a Vita Severinus , a life of Severinus , written by Eugippius. I'll see what I can find in it.

Pope Paschal I was pope from 817 to 824, and Severinus belongs to the mid-fourth century. He was the mentor of the famous desert hermit Anthony.

30. No one is sure that his own contrition is sincere; much less that he has attained full remission.

I am sure that this would have been considered an undeniable truth in Luther's time. It would not be a popular teaching in our own. You can be sure, however, that if Luther presents this statement without evidence, then he was confident it would be accepted as true without argument.

31. Rare as is the man that is truly penitent, so rare is also the man who truly buys indulgences, i.e., such men are most rare.

Martin Luther does not oppose indulgences in general. He opposes the improper use of them, and these 95 Theses are an explanation of what Luther sees as improper usage. The proposed public discussion probably never occurred in the format Luther was expecting. Instead, the discussion occurred without his supervision all over Germany after these theses were printed and reprinted by others.

32. They will be condemned eternally, together with their teachers, who believe themselves sure of their salvation because they have letters of pardon.

Luther asserts that those who assure themselves of their salvation because of a letter of pardon, which is what an indulgence is, will be eternally condemned.

33. Men must be on their guard against those who say that the pope's pardons are that inestimable gift of God by which man is reconciled to Him;

In other words, beware of those preachers of indulgences who tell you that they will reconcile a man to God. The purpose of an indulgence is to remove some earthly penalty imposed by the church, such as temporary banishment from communion or a period of self-affliction. Reconciliation to God is not the purpose of an indulgence, and we should beware of those who say they are.

34. For these "graces of pardon" concern only the penalties of sacramental satisfaction, and these are appointed by man.

Luther gives us a new phrase here: "sacramental satisfaction." That is what we have been describing. Indulgences can free you from penalties that are prescribed by priests, but not from penalties bestowed by God after this life.

35. They preach no Christian doctrine who teach that contrition is not necessary in those who intend to buy souls out of purgatory or to buy confessionalia.

Be assured that every Roman Catholic with any theological training and sincerity in their faith, even in the sixteenth century, would have agreed with Martin Luther on this ones. However, the hawkers of indulgences had stooped so low that they were promising instant release from purgatory as soon as a coin fell in the money box. There was no contrition necessary from the one who paid the money for they were not paying for penalties that were their own, and there was no way to know if contrition existed in a soul that is in purgatory. So the indulgence preachers said it was not necessary. This was not Roman Catholic theology, it was greed and evil sales methods by salesmen with corrupt souls.

36. Every truly repentant Christian has a right to full remission of penalty and guilt, even without letters of pardon.

37. Every true Christian, whether living or dead, has part in all the blessings of Christ and the Church; and this is granted him by God, even without letters of pardon.

38. Nevertheless, the remission and participation [in the blessings of the Church] which are granted by the pope are in no way to be despised, for they are, as I have said, the declaration of divine remission.

39. It is most difficult, even for the very keenest theologians, at one and the same time to commend to the people the abundance of pardons and [the need of] true contrition.

40. True contrition seeks and loves penalties, but liberal pardons only  relax penalties and cause them to be hated, or at least, furnish an occasion [for hating them].

41. Apostolic pardons are to be preached with caution, lest the people may falsely think them preferable to other good works of love.

42. Christians are to be taught that the pope does not intend the buying of pardons to be compared in any way to works of mercy.

43. Christians are to be taught that he who gives to the poor or lends to the needy does a better work than buying pardons;

44. Because love grows by works of love, and man becomes better; but by pardons man does not grow better, only more free from penalty.

45. Christians are to be taught that he who sees a man in need, and passes him by, and gives [his money] for pardons, purchases not the indulgences of the pope, but the indignation of God.

46. Christians are to be taught that unless they have more than they need, they are bound to keep back what is necessary for their own families, and by no means to squander it on pardons.

47. Christians are to be taught that the buying of pardons is a matter of free will, and not of commandment.

48. Christians are to be taught that the pope, in granting pardons, needs, and therefore desires, their devout prayer for him more than the money they bring.

49. Christians are to be taught that the pope's pardons are useful, if they do not put their trust in them; but altogether harmful, if through them they lose their fear of God.

50. Christians are to be taught that if the pope knew the exactions of the pardon-preachers, he would rather that St.  Peter's church should go to ashes, than that it should be built up with the skin, flesh and bones of his sheep.

51. Christians are to be taught that it would be the pope's wish, as it is his duty, to give of his own money to very many of those from whom certain hawkers of pardons cajole money, even though the church of St. Peter might have to be sold.

52. The assurance of salvation by letters of pardon is vain, even though the commissary, nay, even though the pope himself, were to stake his soul upon it.

53. They are enemies of Christ and of the pope, who bid the Word of God be altogether silent in some Churches, in order that pardons may be preached in others.

54. Injury is done the Word of God when, in the same sermon, an equal or a longer time is spent on pardons than on this Word.

55. It must be the intention of the pope that if pardons, which are a very small thing, are celebrated with one bell, with single processions and ceremonies, then the Gospel, which is the very greatest thing, should be preached with a hundred bells, a hundred processions, a hundred ceremonies.

56. The "treasures of the Church," out of which the pope grants indulgences, are not sufficiently named or known among the people of Christ.

57. That they are not temporal treasures is certainly evident, for many of the vendors do not pour out such treasures so easily, but only gather them.

58. Nor are they the merits of Christ and the Saints, for even without the pope, these always work grace for the inner man, and the cross, death, and hell for the outward man.

59. St. Lawrence said that the treasures of the Church were the Church's poor, but he spoke according to the usage of the word in his own time.

60. Without rashness we say that the keys of the Church, given by Christ's merit, are that treasure;

61. For it is clear that for the remission of penalties and of reserved cases, the power of the pope is of itself sufficient.

62. The true treasure of the Church is the Most Holy Gospel of the glory and the grace of God.

63. But this treasure is naturally most odious, for it makes the first to be last.

64. On the other hand, the treasure of indulgences is naturally most acceptable, for it makes the last to be first.

65. Therefore the treasures of the Gospel are nets with which they formerly were wont to fish for men of riches.

66. The treasures of the indulgences are nets with which they now fish for the riches of men.

67. The indulgences which the preachers cry as the "greatest graces" are known to be truly such, in so far as they promote gain.

68. Yet they are in truth the very smallest graces compared with the grace of God and the piety of the Cross.

69. Bishops and curates are bound to admit the commissaries of apostolic pardons, with all reverence.

70. But still more are they bound to strain all their eyes and attend with all their ears, lest these men preach their own dreams instead of the commission of the pope.

71. He who speaks against the truth of apostolic pardons, let him be anathema and accursed!

72. But he who guards against the lust and license of the pardon-preachers, let him be blessed!

73. The pope justly thunders against those who, by any art, contrive the injury of the traffic in pardons.

74. But much more does he intend to thunder against those who use the pretext of pardons to contrive the injury of holy love and truth.

75. To think the papal pardons so great that they could absolve a man even if he had committed an impossible sin and violated the Mother of God--this is madness.

76. We say, on the contrary, that the papal pardons are not able to remove the very least of venial sins, so far as its guilt is concerned.

77. It is said that even St. Peter, if he were now Pope, could not bestow greater graces; this is blasphemy against St. Peter and against the pope.

78. We say, on the contrary, that even the present pope, and any pope at all, has greater graces at his disposal; to wit, the Gospel, powers, gifts of healing, etc., as it is written in I. Corinthians xii.

79. To say that the cross, emblazoned with the papal arms, which is set up [by the preachers of indulgences], is of equal worth with the Cross of Christ, is blasphemy.

80. The bishops, curates and theologians who allow such talk to be spread among the people, will have an account to render.

81. This unbridled preaching of pardons makes it no easy matter, even for learned men, to rescue the reverence due to the pope from slander, or even from the shrewd questionings of the laity.

82. To wit: "Why does not the pope empty purgatory, for the sake of holy love and of the dire need of the souls that are there, if he redeems an infinite number of souls for the sake of miserable money with which to build a Church? The former reasons would be most just; the latter is most trivial."

83. Again: "Why are mortuary and anniversary masses for the dead continued, and why does he not return or permit the withdrawal of the endowments founded on their behalf, since it is wrong to pray for the redeemed?"

84. Again: "What is this new piety of God and the pope, that for money they allow a man who is impious and their enemy to buy out of purgatory the pious soul of a friend of God, and do not rather, because of that pious and beloved soul's own need, free it for pure love's sake?"

85. Again: "Why are the penitential canons long since in actual fact and through disuse abrogated and dead, now satisfied by the granting of indulgences, as though they were still alive and in force?"

86. Again: "Why does not the pope, whose wealth is today greater than the riches of the richest, build just this one church of St. Peter with his own money, rather than with the money of poor believers?"

87. Again: "What is it that the pope remits, and what participation does he grant to those who, by perfect contrition, have a right to full remission and participation?"

88. Again: "What greater blessing could come to the Church than if the pope were to do a hundred times a day what he now does once, and bestow on every believer these remissions and participations?"

89. "Since the pope, by his pardons, seeks the salvation of souls rather than money, why does he suspend the indulgences and pardons granted heretofore, since these have equal efficacy?"

90. To repress these arguments and scruples of the laity by force alone, and not to resolve them by giving reasons, is to expose the Church and the pope to the ridicule of their enemies, and to make Christians unhappy.

91. If, therefore, pardons were preached according to the spirit and mind of the pope, all these doubts would be readily resolved; nay, they would not exist.

92. Away, then, with all those prophets who say to the people of Christ, "Peace, peace," and there is no peace!

93. Blessed be all those prophets who say to the people of Christ, "Cross, cross," and there is no cross!

94. Christians are to be exhorted that they be diligent in following Christ, their Head, through penalties, deaths, and hell;

95. And thus be confident of entering into heaven rather through many tribulations, than through the assurance of peace.

Post-Script to the Ninety-Five Theses

Those are the 95 theses that changed the world!

Basically, this document, nailed to the cathedral door at Wittenberg (a common thing to do when you wanted to make a public announcement), ruined the trade in indulgences in that area.

Pope Leo X was engaged in building St. Peter's Basilica, and Martin Luther, an unknown monk, had suddenly stopped the inflow of money. It was this problem, begun by these 95 theses, that started the Reformation and changed the world.

Return to the Reformation

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Martin Luther :: Ninety-Five Theses on the Power of Indulgences

Disputation on the Power and Efficacy of Indulgences

In 1517, Martin Luther, an Augustinian monk posted upon the door of the Castle Church in Wittenberg (in the manner common to those issuing bulletin of an upcoming event or debate) the Ninety-Five Theses on the Power of Indulgences , what has commonly become known as The Ninety-Five Theses . The contents of his posting challenged the current teaching of the Church on penance and indulgences, questioning as well the authority of the pope. Reaction to Luther's Theses was immediate and strong, leading to his excommunication from the Roman Church and the eventual birth of the Protestant Reformation. Luther's historically important defense of the gospel is noted and celebrated annually on 31 October, Reformation Day. The following is the translated text of the Ninety-Five Theses .

Out of love and concern for the truth, and with the object of eliciting it, the following heads will be the subject of a public discussion at Wittenberg under the presidency of the reverend father, Martin Luther, Augustinian, Master of Arts and Sacred Theology, and duly appointed Lecturer on these subjects in that place. He requests that whoever cannot be present personally to debate the matter orally will do so in absence in writing.

• When our Lord and Master, Jesus Christ, said "Repent", He called for the entire life of believers to be one of repentance.
• The word cannot be properly understood as referring to the sacrament of penance, i.e. confession and satisfaction, as administered by the clergy.
• Yet its meaning is not restricted to repentance in one's heart; for such repentance is null unless it produces outward signs in various mortifications of the flesh.
• As long as hatred of self abides (i.e. true inward repentance) the penalty of sin abides, viz., until we enter the kingdom of heaven.
• The pope has neither the will nor the power to remit any penalties beyond those imposed either at his own discretion or by canon law.
• The pope himself cannot remit guilt, but only declare and confirm that it has been remitted by God; or, at most, he can remit it in cases reserved to his discretion. Except for these cases, the guilt remains untouched.
• God never remits guilt to anyone without, at the same time, making him humbly submissive to the priest, His representative.
• The penitential canons apply only to men who are still alive, and, according to the canons themselves, none applies to the dead.
• Accordingly, the Holy Spirit, acting in the person of the pope, manifests grace to us, by the fact that the papal regulations always cease to apply at death, or in any hard case.
• It is a wrongful act, due to ignorance, when priests retain the canonical penalties on the dead in purgatory.
• When canonical penalties were changed and made to apply to purgatory, surely it would seem that tares were sown while the bishops were asleep.
• In former days, the canonical penalties were imposed, not after, but before absolution was pronounced; and were intended to be tests of true contrition.
• Death puts an end to all the claims of the Church; even the dying are already dead to the canon laws, and are no longer bound by them.
• Defective piety or love in a dying person is necessarily accompanied by great fear, which is greatest where the piety or love is least.
• This fear or horror is sufficient in itself, whatever else might be said, to constitute the pain of purgatory, since it approaches very closely to the horror of despair.
• There seems to be the same difference between hell, purgatory, and heaven as between despair, uncertainty, and assurance.
• Of a truth, the pains of souls in purgatory ought to be abated, and charity ought to be proportionately increased.
• Moreover, it does not seem proved, on any grounds of reason or Scripture, that these souls are outside the state of merit, or unable to grow in grace.
• Nor does it seem proved to be always the case that they are certain and assured of salvation, even if we are very certain ourselves.
• Therefore the pope, in speaking of the plenary remission of all penalties, does not mean "all" in the strict sense, but only those imposed by himself.
• Hence those who preach indulgences are in error when they say that a man is absolved and saved from every penalty by the pope's indulgences.
• Indeed, he cannot remit to souls in purgatory any penalty which canon law declares should be suffered in the present life.
• If plenary remission could be granted to anyone at all, it would be only in the cases of the most perfect, i.e. to very few.
• It must therefore be the case that the major part of the people are deceived by that indiscriminate and high-sounding promise of relief from penalty.
• The same power as the pope exercises in general over purgatory is exercised in particular by every single bishop in his bishopric and priest in his parish.
• The pope does excellently when he grants remission to the souls in purgatory on account of intercessions made on their behalf, and not by the power of the keys (which he cannot exercise for them).
• There is no divine authority for preaching that the soul flies out of the purgatory immediately the money clinks in the bottom of the chest.
• It is certainly possible that when the money clinks in the bottom of the chest avarice and greed increase; but when the church offers intercession, all depends in the will of God.
• Who knows whether all souls in purgatory wish to be redeemed in view of what is said of St. Severinus and St. Pascal? (Note: Paschal I, pope 817-24. The legend is that he and Severinus were willing to endure the pains of purgatory for the benefit of the faithful).
• No one is sure of the reality of his own contrition, much less of receiving plenary forgiveness.
• Rare as is the man that is truly penitent, so rare is also the man who truly buys indulgences, i.e., such men are most rare.
• All those who believe themselves certain of their own salvation by means of letters of indulgence, will be eternally damned, together with their teachers.
• We should be most carefully on our guard against those who say that the papal indulgences are an inestimable divine gift, and that a man is reconciled to God by them.
• For the grace conveyed by these indulgences relates simply to the penalties of the sacramental "satisfactions" decreed merely by man.
• It is not in accordance with Christian doctrines to preach and teach that those who buy off souls, or purchase confessional licenses, have no need to repent of their own sins.
• Any Christian whatsoever, who is truly repentant, enjoys plenary remission from penalty and guilt, and this is given him without letters of indulgence.
• Any true Christian whatsoever, living or dead, participates in all the benefits of Christ and the Church; and this participation is granted to him by God without letters of indulgence.
• Yet the pope's remission and dispensation are in no way to be despised, for, as already said, they proclaim the divine remission.
• It is very difficult, even for the most learned theologians, to extol to the people the great bounty contained in the indulgences, while, at the same time, praising contrition as a virtue.
• A truly contrite sinner seeks out, and loves to pay, the penalties of his sins; whereas the very multitude of indulgences dulls men's consciences, and tends to make them hate the penalties.
• Papal indulgences should only be preached with caution, lest people gain a wrong understanding, and think that they are preferable to other good works: those of love.
• Christians should be taught that the pope does not at all intend that the purchase of indulgences should be understood as at all comparable with the works of mercy.
• Christians should be taught that one who gives to the poor, or lends to the needy, does a better action than if he purchases indulgences.
• Because, by works of love, love grows and a man becomes a better man; whereas, by indulgences, he does not become a better man, but only escapes certain penalties.
• Christians should be taught that he who sees a needy person, but passes him by although he gives money for indulgences, gains no benefit from the pope's pardon, but only incurs the wrath of God.
• Christians should be taught that, unless they have more than they need, they are bound to retain what is only necessary for the upkeep of their home, and should in no way squander it on indulgences.
• Christians should be taught that they purchase indulgences voluntarily, and are not under obligation to do so.
• Christians should be taught that, in granting indulgences, the pope has more need, and more desire, for devout prayer on his own behalf than for ready money.
• Christians should be taught that the pope's indulgences are useful only if one does not rely on them, but most harmful if one loses the fear of God through them.
• Christians should be taught that, if the pope knew the exactions of the indulgence-preachers, he would rather the church of St. Peter were reduced to ashes than be built with the skin, flesh, and bones of the sheep.
• Christians should be taught that the pope would be willing, as he ought if necessity should arise, to sell the church of St. Peter, and give, too, his own money to many of those from whom the pardon-merchants conjure money.
• It is vain to rely on salvation by letters of indulgence, even if the commissary, or indeed the pope himself, were to pledge his own soul for their validity.
• Those are enemies of Christ and the pope who forbid the word of God to be preached at all in some churches, in order that indulgences may be preached in others.
• The word of God suffers injury if, in the same sermon, an equal or longer time is devoted to indulgences than to that word.
• The pope cannot help taking the view that if indulgences (very small matters) are celebrated by one bell, one pageant, or one ceremony, the gospel (a very great matter) should be preached to the accompaniment of a hundred bells, a hundred processions, a hundred ceremonies.
• The treasures of the church, out of which the pope dispenses indulgences, are not sufficiently spoken of or known among the people of Christ.
• That these treasures are not temporal are clear from the fact that many of the merchants do not grant them freely, but only collect them.
• Nor are they the merits of Christ and the saints, because, even apart from the pope, these merits are always working grace in the inner man, and working the cross, death, and hell in the outer man.
• St. Laurence said that the poor were the treasures of the church, but he used the term in accordance with the custom of his own time.
• We do not speak rashly in saying that the treasures of the church are the keys of the church, and are bestowed by the merits of Christ.
• For it is clear that the power of the pope suffices, by itself, for the remission of penalties and reserved cases.
• The true treasure of the church is the Holy gospel of the glory and the grace of God.
• It is right to regard this treasure as most odious, for it makes the first to be the last.
• On the other hand, the treasure of indulgences is most acceptable, for it makes the last to be the first.
• Therefore the treasures of the gospel are nets which, in former times, they used to fish for men of wealth.
• The treasures of the indulgences are the nets to-day which they use to fish for men of wealth.
• The indulgences, which the merchants extol as the greatest of favours, are seen to be, in fact, a favourite means for money-getting.
• Nevertheless, they are not to be compared with the grace of God and the compassion shown in the Cross.
• Bishops and curates, in duty bound, must receive the commissaries of the papal indulgences with all reverence.
• But they are under a much greater obligation to watch closely and attend carefully lest these men preach their own fancies instead of what the pope commissioned.
• Let him be anathema and accursed who denies the apostolic character of the indulgences.
• On the other hand, let him be blessed who is on his guard against the wantonness and license of the pardon-merchant's words.
• In the same way, the pope rightly excommunicates those who make any plans to the detriment of the trade in indulgences.
• It is much more in keeping with his views to excommunicate those who use the pretext of indulgences to plot anything to the detriment of holy love and truth.
• It is foolish to think that papal indulgences have so much power that they can absolve a man even if he has done the impossible and violated the mother of God.
• We assert the contrary, and say that the pope's pardons are not able to remove the least venial of sins as far as their guilt is concerned.
• When it is said that not even St. Peter, if he were now pope, could grant a greater grace, it is blasphemy against St. Peter and the pope.
• We assert the contrary, and say that he, and any pope whatever, possesses greater graces, viz., the gospel, spiritual powers, gifts of healing, etc., as is declared in I Corinthians 12 [:28] .
• It is blasphemy to say that the insignia of the cross with the papal arms are of equal value to the cross on which Christ died.
• The bishops, curates, and theologians, who permit assertions of that kind to be made to the people without let or hindrance, will have to answer for it.
• This unbridled preaching of indulgences makes it difficult for learned men to guard the respect due to the pope against false accusations, or at least from the keen criticisms of the laity.
• They ask, e.g.: Why does not the pope liberate everyone from purgatory for the sake of love (a most holy thing) and because of the supreme necessity of their souls? This would be morally the best of all reasons. Meanwhile he redeems innumerable souls for money, a most perishable thing, with which to build St. Peter's church, a very minor purpose.
• Again: Why should funeral and anniversary masses for the dead continue to be said? And why does not the pope repay, or permit to be repaid, the benefactions instituted for these purposes, since it is wrong to pray for those souls who are now redeemed?
• Again: Surely this is a new sort of compassion, on the part of God and the pope, when an impious man, an enemy of God, is allowed to pay money to redeem a devout soul, a friend of God; while yet that devout and beloved soul is not allowed to be redeemed without payment, for love's sake, and just because of its need of redemption.
• Again: Why are the penitential canon laws, which in fact, if not in practice, have long been obsolete and dead in themselves-why are they, to-day, still used in imposing fines in money, through the granting of indulgences, as if all the penitential canons were fully operative?
• Again: since the pope's income to-day is larger than that of the wealthiest of wealthy men, why does he not build this one church of St. Peter with his own money, rather than with the money of indigent believers?
• Again: What does the pope remit or dispense to people who, by their perfect repentance, have a right to plenary remission or dispensation?
• Again: Surely a greater good could be done to the church if the pope were to bestow these remissions and dispensations, not once, as now, but a hundred times a day, for the benefit of any believer whatever.
• What the pope seeks by indulgences is not money, but rather the salvation of souls; why then does he suspend the letters and indulgences formerly conceded, and still as efficacious as ever?
• These questions are serious matters of conscience to the laity. To suppress them by force alone, and not to refute them by giving reasons, is to expose the church and the pope to the ridicule of their enemies, and to make Christian people unhappy.
• If therefore, indulgences were preached in accordance with the spirit and mind of the pope, all these difficulties would be easily overcome, and indeed, cease to exist.
• Away, then, with those prophets who say to Christ's people, "Peace, peace," where in there is no peace.
• Hail, hail to all those prophets who say to Christ's people, "The cross, the cross," where there is no cross.
• Christians should be exhorted to be zealous to follow Christ, their Head, through penalties, deaths, and hells.
• And let them thus be more confident of entering heaven through many tribulations rather than through a false assurance of peace.

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What was the significance of the 95 theses.

What were the 95 Theses?

According to historic legend, Martin Luther posted a document on the door of the Wittenberg Church on the 31 st October 1517; a document later referred to as the 95 Theses. This document was questioning rather than accusatory, seeking to inform the Archbishop of Mainz that the selling of indulgences had become corrupt, with the sellers seeking solely to line their own pockets. It questioned the idea that the indulgences trade perpetuated – that buying a trinket could shave time off the stay of one’s loved ones in purgatory, sending them to a glorious Heaven.

It is important, however, to recognise that this was not the action of a man wanting to break away from the Catholic Church. When writing the 95 Theses, Luther simply intended to bring reform to the centre of the agenda for the Church Council once again; it cannot be stressed enough that he wanted to reform, rather than abandon, the Church.

Nonetheless, the 95 Theses were undoubtedly provocative, leading to debates across the German Lands about what it meant to be a true Christian, with some historians considering the document to be the start of the lengthy process of the Reformation. But why did Luther write them?

Why did Luther write the 95 Theses?

In particular, Luther was horrified by the fact that a large portion of the profits from this trade were being used to renovate St Peter’s Basilica in Rome. His outrage at this is evident from the 86 th thesis: ‘Why does the pope, whose wealth today is greater than the wealth of the richest Crassus, build the basilica of St Peter with the money of the poor rather than with his own money?’ Perhaps this is indicative of Luther’s opinion as opposing the financial extortion indulgences pressed upon the poor, rather than the theology which lay behind the process of freeing one’s loved ones from purgatory.

It is interesting to note that Luther also sent a copy of his 95 Theses directly to Archbishop Albrecht von Brandenburg. It appears that he legitimately believed that the Archbishop was not aware of the corruption inherent in the indulgence trade led by Tetzel. This is something which can be considered important later on, for it indicates that Luther did not consider the Church hierarchy redundant at this point.

Why were the 95 Theses significant?

Though the document itself has a debateable significance, the events which occurred because of its publication were paramount in Luther’s ideological and religious development. Almost immediately there was outrage at the ‘heresy’ which the Church viewed as implicit within the document. Despite the pressure upon Luther to immediately recant his position, he did not. This in part led to the Leipzig debate in summer 1519 with Johann Eck.

This debate forced Luther to clarify some of his theories and doctrinal stances against the representative of the Catholic Church. The debate focused largely on doctrine; in fact, the debate regarding indulgences was only briefly mentioned in the discussions between the two men. This seems surprising; Luther’s primary purpose in writing the 95 Theses was to protest the selling of indulgences. Why was this therefore not the primary purpose of the debate?

Ultimately the debate served to further Luther’s development of doctrine which opposed the traditional view of the Catholic Church. In the debate he was forced to conclude that Church Councils had the potential to be erroneous in their judgements. This therefore threw into dispute the papal hierarchy’s authority, and set him on his path towards evangelicalism and the formulation of the doctrine of justification by faith alone. Yet it is important to bear in mind that, had the pope offered a reconciliation, Luther would have returned to the doctrine of the established Church.

An interesting point to consider about the aftermath of the 95 Theses is the attitude of the Catholic Church. It immediately sought to identify Luther as someone who had strayed from the true way and was therefore a heretic; it refused to recognise that Luther had valid complaints which were shared by many across Western Christendom. The 95 Theses could have been taken at face value and used as an avenue to reform, as Luther intended. Instead, the papal hierarchy sought to discredit Luther, and keep to the status quo.

What made the 95 Theses significant?

A document written in Latin and posted on a door like most other academic debates, it does not seem obvious when considering the 95 Theses alone to see just how they became as significant as they did.

The translation of the Latin text into German also helped make the document significant. Translated in early 1518 by reformist friends of Luther, this widened the debate’s appeal simply because it made the subject matter accessible to a greater number of people. ‘Common’ folk who could read would have been able to read in German, rather than Latin. This therefore meant that they would be able to read the article for themselves and realise just how many of the arguments they identified with (or did not identify with, for that matter). The translation also meant that these literate folk could read the Theses aloud to a large audience; Bob Scribner argued that we should not forget the oral nature of the Reformation, beginning with one of the most divisive documents in history.

Finally, the 95 Theses can be considered significant because they were expressing sentiments that many ordinary folk felt themselves at the time. There had been a disillusionment with the Church and corruption within it for a great deal of time; the Reformatio Sigismundi  of 1439 is a prime early example of a series of lists detailing the concerns of the people about the state of the Church. By the time of the Imperial Diet of Worms in 1521, there were 102 grievances with the Church, something overshadowed due to Martin Luther’s presence at this Diet. Many of the issues Luther highlighted were shared among the populace; it was due to the contextual factors of the printing press and the use of the German language that made this expression so significant.

It would not be surprising if, when posting his 95 Theses on the door of the chapel on the 31 st October 1517, Luther did not expect a great deal to change. At the time, he did not know what such an act would lead to. The events which occurred due to the Theses led to Luther clarifying his doctrinal position in a manner which led to his eventual repudiation of the decadence and corruption within the Catholic Church and his excommunication.

Yet we must remember that whilst the 95 Theses can be considered to constitute an extraordinary shift in the mentality of a disillusioned Christian, they are very unlikely to have achieved the same significance without the printing press. If the 95 Theses had been posted on the 31 st October 1417 , would the result have been the same?

Written by Victoria Bettney

Bibliography

Dixon, Scott C. The Reformation in Germany . Oxford  : Blackwell, 2002.

Dixon, Scott C ed. The German Reformation: The Essential Readings . Oxford: Blackwell, 1999.

Lau, Franz and Bizer, Ernst. A History of the Reformation in Germany To 1555 . Translated by Brian Hardy. London: Adam and Charles Black, 1969.

Lindberg, Carter. The European Reformations . Oxford: Blackwell, 1996.

McGrath, Alister. Christian Theology: An Introduction . Oxford: Blackwell, 2007.

McGrath, Alister. Reformation Thought: An Introduction. Oxford: Basil Blackwell, 1998.

Scribner, Robert. ‘Oral Culture and the Diffusion of Reformation Ideas,’ History of European Ideas 5, no. 3 (1984): 237-256.

“The 95 Theses,” http://www.luther.de/en/95thesen.html , accessed 29.10.15

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Post navigation, 3 thoughts on “ what was the significance of the 95 theses ”.

Interesting article! You rightly argue that the Theses were not the finished product but just a step in Luther’s theological development. That makes you think; should we really be celebrating 31 October 2017 as the 500th anniversary of the Reformation, or should we be remembering a different date?

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Ninety-five Theses summary

Ninety-five Theses , Propositions for debate on the question of indulgence s, written by Martin Luther and, according to legend, posted on the door of the castle church in Wittenberg, Ger., on Oct. 31, 1517. This event is now seen as the beginning of the Protestant Reformation. The theses were written in response to the selling of indulgences to pay for the rebuilding of St. Peter’s Basilica in Rome. They represented an implicit criticism of papal policy and stressed the spiritual, inward character of the Christian faith. Widely circulated, they aroused much controversy. In 1518 Luther published a Latin manuscript with explanations of the theses.

Martin Luther and the 95 Theses

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The 95 Theses in many ways started the Protestant Reformation . Luther nailed the 95 Theses to the church door of Wittenberg, and the Catholic Church later excommunicated him for these views. But what are the 95 Theses? Why did Luther post the 95 Theses? This video explains this and the start of the Reformation . Ryan M. Reeves (PhD Cambridge) is Assistant Professor of Historical Theology at Gordon-Conwell Theological Seminary.

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License & copyright.

Original video by Ryan Reeves . Embedded by Joshua J. Mark , published on 29 November 2021. Please check the original source(s) for copyright information. Please note that content linked from this page may have different licensing terms.

Cite This Work

Reeves, R. (2021, November 29). Martin Luther and the 95 Theses . World History Encyclopedia . Retrieved from https://www.worldhistory.org/video/2686/martin-luther-and-the-95-theses/

Chicago Style

Reeves, Ryan. " Martin Luther and the 95 Theses ." World History Encyclopedia . Last modified November 29, 2021. https://www.worldhistory.org/video/2686/martin-luther-and-the-95-theses/.

Reeves, Ryan. " Martin Luther and the 95 Theses ." World History Encyclopedia . World History Encyclopedia, 29 Nov 2021. Web. 15 Aug 2024.

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Historic Church Documents

The 95 theses by martin luther.

1. When our Lord and Master Jesus Christ said, “Repent” (Mt 4:17), he willed the entire life of believers to be one of repentance.

2. This word cannot be understood as referring to the sacrament of penance, that is, confession and satisfaction, as administered by the clergy.

3. Yet it does not mean solely inner repentance; such inner repentance is worthless unless it produces various outward mortification of the flesh.

4. The penalty of sin remains as long as the hatred of self (that is, true inner repentance), namely till our entrance into the kingdom of heaven.

5. The pope neither desires nor is able to remit any penalties except those imposed by his own authority or that of the canons.

6. The pope cannot remit any guilt, except by declaring and showing that it has been remitted by God; or, to be sure, by remitting guilt in cases reserved to his judgment. If his right to grant remission in these cases were disregarded, the guilt would certainly remain unforgiven.

7. God remits guilt to no one unless at the same time he humbles him in all things and makes him submissive to the vicar, the priest.

8. The penitential canons are imposed only on the living, and, according to the canons themselves, nothing should be imposed on the dying.

9. Therefore the Holy Spirit through the pope is kind to us insofar as the pope in his decrees always makes exception of the article of death and of necessity.

10. Those priests act ignorantly and wickedly who, in the case of the dying, reserve canonical penalties for purgatory.

11. Those tares of changing the canonical penalty to the penalty of purgatory were evidently sown while the bishops slept (Mt 13:25).

12. In former times canonical penalties were imposed, not after, but before absolution, as tests of true contrition.

13. The dying are freed by death from all penalties, are already dead as far as the canon laws are concerned, and have a right to be released from them.

14. Imperfect piety or love on the part of the dying person necessarily brings with it great fear; and the smaller the love, the greater the fear.

15. This fear or horror is sufficient in itself, to say nothing of other things, to constitute the penalty of purgatory, since it is very near to the horror of despair.

16. Hell, purgatory, and heaven seem to differ the same as despair, fear, and assurance of salvation.

17. It seems as though for the souls in purgatory fear should necessarily decrease and love increase.

18. Furthermore, it does not seem proved, either by reason or by Scripture, that souls in purgatory are outside the state of merit, that is, unable to grow in love.

19. Nor does it seem proved that souls in purgatory, at least not all of them, are certain and assured of their own salvation, even if we ourselves may be entirely certain of it.

20. Therefore the pope, when he uses the words “plenary remission of all penalties,” does not actually mean “all penalties,” but only those imposed by himself.

21. Thus those indulgence preachers are in error who say that a man is absolved from every penalty and saved by papal indulgences.

22. As a matter of fact, the pope remits to souls in purgatory no penalty which, according to canon law, they should have paid in this life.

23. If remission of all penalties whatsoever could be granted to anyone at all, certainly it would be granted only to the most perfect, that is, to very few.

24. For this reason most people are necessarily deceived by that indiscriminate and high-sounding promise of release from penalty.

25. That power which the pope has in general over purgatory corresponds to the power which any bishop or curate has in a particular way in his own diocese and parish.

26. The pope does very well when he grants remission to souls in purgatory, not by the power of the keys, which he does not have, but by way of intercession for them.

27. They preach only human doctrines who say that as soon as the money clinks into the money chest, the soul flies out of purgatory.

28. It is certain that when money clinks in the money chest, greed and avarice can be increased; but when the church intercedes, the result is in the hands of God alone.

29. Who knows whether all souls in purgatory wish to be redeemed, since we have exceptions in St. Severinus and St. Paschal, as related in a legend.

30. No one is sure of the integrity of his own contrition, much less of having received plenary remission.

31. The man who actually buys indulgences is as rare as he who is really penitent; indeed, he is exceedingly rare.

32. Those who believe that they can be certain of their salvation because they have indulgence letters will be eternally damned, together with their teachers.

33. Men must especially be on guard against those who say that the pope’s pardons are that inestimable gift of God by which man is reconciled to him.

34. For the graces of indulgences are concerned only with the penalties of sacramental satisfaction established by man.

35. They who teach that contrition is not necessary on the part of those who intend to buy souls out of purgatory or to buy confessional privileges preach unchristian doctrine.

36. Any truly repentant Christian has a right to full remission of penalty and guilt, even without indulgence letters.

37. Any true Christian, whether living or dead, participates in all the blessings of Christ and the church; and this is granted him by God, even without indulgence letters.

38. Nevertheless, papal remission and blessing are by no means to be disregarded, for they are, as I have said (Thesis 6), the proclamation of the divine remission.

39. It is very difficult, even for the most learned theologians, at one and the same time to commend to the people the bounty of indulgences and the need of true contrition.

40. A Christian who is truly contrite seeks and loves to pay penalties for his sins; the bounty of indulgences, however, relaxes penalties and causes men to hate them — at least it furnishes occasion for hating them.

41. Papal indulgences must be preached with caution, lest people erroneously think that they are preferable to other good works of love.

42. Christians are to be taught that the pope does not intend that the buying of indulgences should in any way be compared with works of mercy.

43. Christians are to be taught that he who gives to the poor or lends to the needy does a better deed than he who buys indulgences.

44. Because love grows by works of love, man thereby becomes better. Man does not, however, become better by means of indulgences but is merely freed from penalties.

45. Christians are to be taught that he who sees a needy man and passes him by, yet gives his money for indulgences, does not buy papal indulgences but God’s wrath.

46. Christians are to be taught that, unless they have more than they need, they must reserve enough for their family needs and by no means squander it on indulgences.

47. Christians are to be taught that they buying of indulgences is a matter of free choice, not commanded.

48 Christians are to be taught that the pope, in granting indulgences, needs and thus desires their devout prayer more than their money.

49. Christians are to be taught that papal indulgences are useful only if they do not put their trust in them, but very harmful if they lose their fear of God because of them.

50. Christians are to be taught that if the pope knew the exactions of the indulgence preachers, he would rather that the basilica of St. Peter were burned to ashes than built up with the skin, flesh, and bones of his sheep.

51. Christians are to be taught that the pope would and should wish to give of his own money, even though he had to sell the basilica of St. Peter, to many of those from whom certain hawkers of indulgences cajole money.

52. It is vain to trust in salvation by indulgence letters, even though the indulgence commissary, or even the pope, were to offer his soul as security.

53. They are the enemies of Christ and the pope who forbid altogether the preaching of the Word of God in some churches in order that indulgences may be preached in others.

54. Injury is done to the Word of God when, in the same sermon, an equal or larger amount of time is devoted to indulgences than to the Word.

55. It is certainly the pope’s sentiment that if indulgences, which are a very insignificant thing, are celebrated with one bell, one procession, and one ceremony, then the gospel, which is the very greatest thing, should be preached with a hundred bells, a hundred processions, a hundred ceremonies.

56. The true treasures of the church, out of which the pope distributes indulgences, are not sufficiently discussed or known among the people of Christ.

57. That indulgences are not temporal treasures is certainly clear, for many indulgence sellers do not distribute them freely but only gather them.

58. Nor are they the merits of Christ and the saints, for, even without the pope, the latter always work grace for the inner man, and the cross, death, and hell for the outer man.

59. St. Lawrence said that the poor of the church were the treasures of the church, but he spoke according to the usage of the word in his own time.

60. Without want of consideration we say that the keys of the church, given by the merits of Christ, are that treasure.

61. For it is clear that the pope’s power is of itself sufficient for the remission of penalties and cases reserved by himself.

62. The true treasure of the church is the most holy gospel of the glory and grace of God.

63. But this treasure is naturally most odious, for it makes the first to be last (Mt. 20:16).

64. On the other hand, the treasure of indulgences is naturally most acceptable, for it makes the last to be first.

65. Therefore the treasures of the gospel are nets with which one formerly fished for men of wealth.

66. The treasures of indulgences are nets with which one now fishes for the wealth of men.

67. The indulgences which the demagogues acclaim as the greatest graces are actually understood to be such only insofar as they promote gain.

68. They are nevertheless in truth the most insignificant graces when compared with the grace of God and the piety of the cross.

69. Bishops and curates are bound to admit the commissaries of papal indulgences with all reverence.

70. But they are much more bound to strain their eyes and ears lest these men preach their own dreams instead of what the pope has commissioned.

71. Let him who speaks against the truth concerning papal indulgences be anathema and accursed.

72. But let him who guards against the lust and license of the indulgence preachers be blessed.

73. Just as the pope justly thunders against those who by any means whatever contrive harm to the sale of indulgences.

74. Much more does he intend to thunder against those who use indulgences as a pretext to contrive harm to holy love and truth.

75. To consider papal indulgences so great that they could absolve a man even if he had done the impossible and had violated the mother of God is madness.

76. We say on the contrary that papal indulgences cannot remove the very least of venial sins as far as guilt is concerned.

77. To say that even St. Peter if he were now pope, could not grant greater graces is blasphemy against St. Peter and the pope.

78. We say on the contrary that even the present pope, or any pope whatsoever, has greater graces at his disposal, that is, the gospel, spiritual powers, gifts of healing, etc., as it is written, 1 Co 12[:28].

79. To say that the cross emblazoned with the papal coat of arms, and set up by the indulgence preachers is equal in worth to the cross of Christ is blasphemy.

80. The bishops, curates, and theologians who permit such talk to be spread among the people will have to answer for this.

81. This unbridled preaching of indulgences makes it difficult even for learned men to rescue the reverence which is due the pope from slander or from the shrewd questions of the laity.

82. Such as: “Why does not the pope empty purgatory for the sake of holy love and the dire need of the souls that are there if he redeems an infinite number of souls for the sake of miserable money with which to build a church? The former reason would be most just; the latter is most trivial.

83. Again, “Why are funeral and anniversary masses for the dead continued and why does he not return or permit the withdrawal of the endowments founded for them, since it is wrong to pray for the redeemed?”

84. Again, “What is this new piety of God and the pope that for a consideration of money they permit a man who is impious and their enemy to buy out of purgatory the pious soul of a friend of God and do not rather, because of the need of that pious and beloved soul, free it for pure love’s sake?”

85. Again, “Why are the penitential canons, long since abrogated and dead in actual fact and through disuse, now satisfied by the granting of indulgences as though they were still alive and in force?”

86. Again, “Why does not the pope, whose wealth is today greater than the wealth of the richest Crassus, build this one basilica of St. Peter with his own money rather than with the money of poor believers?”

87. Again, “What does the pope remit or grant to those who by perfect contrition already have a right to full remission and blessings?”

88. Again, “What greater blessing could come to the church than if the pope were to bestow these remissions and blessings on every believer a hundred times a day, as he now does but once?”

89. “Since the pope seeks the salvation of souls rather than money by his indulgences, why does he suspend the indulgences and pardons previously granted when they have equal efficacy?”

90. To repress these very sharp arguments of the laity by force alone, and not to resolve them by giving reasons, is to expose the church and the pope to the ridicule of their enemies and to make Christians unhappy.

91. If, therefore, indulgences were preached according to the spirit and intention of the pope, all these doubts would be readily resolved. Indeed, they would not exist.

92. Away, then, with all those prophets who say to the people of Christ, “Peace, peace,” and there is no peace! (Jer 6:14)

93. Blessed be all those prophets who say to the people of Christ, “Cross, cross,” and there is no cross!

94. Christians should be exhorted to be diligent in following Christ, their Head, through penalties, death and hell.

95. And thus be confident of entering into heaven through many tribulations rather than through the false security of peace (Acts 14:22).

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Luther’s Ninety-five Theses: What You May Not Know and Why They Matter Today

More by justin holcomb.

For more accessible overviews of key moments in church history, purchase Justin Holcomb’s new book, Know the Creeds and Councils (Zondervan, 2014) [ interview ]. Additionally, Holcomb has made available to TGC readers an exclusive bonus chapter, which can be accessed here . This article is a shortened version of the chapter.

If people know only one thing about the Protestant Reformation, it is the famous event on October 31, 1517, when the Ninety-five Theses of Martin Luther (1483–1586) were nailed on the door of the Castle Church of Wittenberg in protest against the Roman Catholic Church. Within a few years of this event, the church had splintered into not just the “church’s camp” or “Luther’s camp” but also the camps of churches led by theologians of all different stripes.

Luther is known mostly for his teachings about Scripture and justification. Regarding Scripture, he argued the Bible alone ( sola scriptura ) is our ultimate authority for faith and practice. Regarding justification, he taught we are saved solely through faith in Jesus Christ because of God’s grace and Christ’s merit. We are neither saved by our merits nor declared righteous by our good works. Additionally, we need to fully trust in God to save us from our sins, rather than relying partly on our own self-improvement.

Forgiveness with a Price Tag

These teachings were radical departures from the Catholic orthodoxy of Luther’s day. But you might be surprised to learn that the Ninety-five Theses, even though this document that sparked the Reformation, was not about these issues. Instead, Luther objected to the fact that the Roman Catholic Church was offering to sell certificates of forgiveness, and that by doing so it was substituting a false hope (that forgiveness can be earned or purchased) for the true hope of the gospel (that we receive forgiveness solely via the riches of God’s grace).

The Roman Catholic Church claimed it had been placed in charge of a “treasury of merits” of all of the good deeds that saints had done (not to mention the deeds of Christ, who made the treasury infinitely deep). For those trapped by their own sinfulness, the church could write a certificate transferring to the sinner some of the merits of the saints. The catch? These “indulgences” had a price tag.

This much needs to be understood to make sense of Luther’s Ninety-five Theses: the selling of indulgences for full remission of sins intersected perfectly with the long, intense struggle Luther himself had experienced over the issues of salvation and assurance. At this point of collision between one man’s gospel hope and the church’s denial of that hope the Ninety-five Theses can be properly understood.

Theses Themselves

Luther’s Ninety-five Theses focuses on three main issues: selling forgiveness (via indulgences) to build a cathedral, the pope’s claimed power to distribute forgiveness, and the damage indulgences caused to grieving sinners. That his concern was pastoral (rather than trying to push a private agenda) is apparent from the document. He didn’t believe (at this point) that indulgences were altogether a bad idea; he just believed they were misleading Christians regarding their spiritual state:

41. Papal indulgences must be preached with caution, lest people erroneously think that they are preferable to other good works of love.

As well as their duty to others:

43. Christians are to be taught that he who gives to the poor or lends to the needy does a better deed than he who buys indulgences.

44. Because love grows by works of love, man thereby becomes better. Man does not, however, become better by means of indulgences but is merely freed from penalties. [Notice that Luther is not yet wholly against the theology of indulgences.]

And even financial well-being:

46. Christians are to be taught that, unless they have more than they need, they must reserve enough for their family needs and by no means squander it on indulgences.

Luther’s attitude toward the pope is also surprisingly ambivalent. In later years he called the pope “the Antichrist” and burned his writings, but here his tone is merely cautionary, hoping the pope will come to his senses. For instance, in this passage he appears to be defending the pope against detractors, albeit in a backhanded way:

51. Christians are to be taught that the pope would and should wish to give of his own money, even though he had to sell the basilica of St. Peter, to many of those from whom certain hawkers of indulgences cajole money.

Obviously, since Leo X had begun the indulgences campaign in order to build the basilica, he did not “wish to give of his own money” to victims. However, Luther phrased his criticism to suggest that the pope might be ignorant of the abuses and at any rate should be given the benefit of the doubt. It provided Leo a graceful exit from the indulgences campaign if he wished to take it.

So what made this document so controversial? Luther’s Ninety-five Theses hit a nerve in the depths of the authority structure of the medieval church. Luther was calling the pope and those in power to repent—on no authority but the convictions he’d gained from Scripture—and urged the leaders of the indulgences movement to direct their gaze to Christ, the only one able to pay the penalty due for sin.

Of all the portions of the document, Luther’s closing is perhaps the most memorable for its exhortation to look to Christ rather than to the church’s power:

92. Away, then, with those prophets who say to Christ’s people, “Peace, peace,” where in there is no peace.

93. Hail, hail to all those prophets who say to Christ’s people, “The cross, the cross,” where there is no cross.

94. Christians should be exhorted to be zealous to follow Christ, their Head, through penalties, deaths, and hells.

95. And let them thus be more confident of entering heaven through many tribulations rather than through a false assurance of peace.

In the years following his initial posting of the theses, Luther became emboldened in his resolve and strengthened his arguments with Scripture. At the same time, the church became more and more uncomfortable with the radical Luther and, in the following decades, the spark that he made grew into a flame of reformation that spread across Europe. Luther was ordered by the church to recant in 1520 and was eventually exiled in 1521.

Ongoing Relevance

Although the Ninety-five Theses doesn’t explicitly lay out a Protestant theology or agenda, it contains the seeds of the most important beliefs of the movement, especially the priority of grasping and applying the gospel. Luther developed his critique of the Roman Catholic Church out of his struggle with doubt and guilt as well as his pastoral concern for his parishioners. He longed for the hope and security that only the good news can bring, and he was frustrated with the structures that were using Christ to take advantage of people and prevent them from saving union with God. Further, Luther’s focus on the teaching of Scripture is significant, since it provided the foundation on which the great doctrines of the Reformation found their origin.

Indeed, Luther developed a robust notion of justification by faith and rejected the notion of purgatory as unbiblical; he argued that indulgences and even hierarchical penance cannot lead to salvation; and, perhaps most notably, he rebelled against the authority of the pope. All of these critiques were driven by Luther’s commitment, above all else, to Christ and the Scriptures that testify about him. The outspoken courage Luther demonstrated in writing and publishing the Ninety-five Theses also spread to other influential leaders of the young Protestant Reformation.

Today, the Ninety-five Theses may stand as the most well-known document from the Reformation era. Luther’s courage and his willingness to confront what he deemed to be clear error is just as important today as it was then. One of the greatest ways in which Luther’s theses affect us today—in addition to the wonderful inheritance of the five Reformation solas (Scripture alone, grace alone, faith alone, Christ alone, glory to God alone)—is that it calls us to thoroughly examine the inherited practices of the church against the standard set forth in the Scriptures. Luther saw an abuse, was not afraid to address it, and was exiled as a result of his faithfulness to the Bible in the midst of harsh opposition.

Why Do So Many Young People Lose Their Faith at College?

New Testament professor Michael Kruger is no stranger to the assault on faith that most young people face when they enter higher education, having experienced an intense period of doubt in his freshman year. In Surviving Religion 101 , he draws on years of experience as a biblical scholar to address common objections to the Christian faith: the exclusivity of Christianity, Christian intolerance, homosexuality, hell, the problem of evil, science, miracles, and the Bible’s reliability.

TGC is delighted to offer the ebook version for FREE for a limited time only. It will equip you to engage secular challenges with intellectual honesty, compassion, and confidence—and ultimately graduate college with your faith intact.

Justin Holcomb is an Episcopal priest and a theology professor at Reformed Theological Seminary and Gordon-Conwell Theological Seminary. He is author with his wife, Lindsey, of God Made All of Me , Is It My Fault? , and Rid of My Disgrace: Hope and Healing for Victims of Sexual Assault . Justin also has written or edited numerous other books on historical theology and biblical studies. You can find him on Facebook , Twitter , and at JustinHolcomb.com .

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Disputation of Doctor Martin Luther on the Power and Efficacy of Indulgences by Dr. Martin Luther (1517)

Out of love for the truth and the desire to bring it to light, the following propositions will be discussed at Wittenberg, under the presidency of the Reverend Father Martin Luther, Master of Arts and of Sacred Theology, and Lecturer in Ordinary on the same at that place. Wherefore he requests that those who are unable to be present and debate orally with us, may do so by letter. In the Name our Lord Jesus Christ. Amen. 1. Our Lord and Master Jesus Christ, when He said Poenitentiam agite, willed that the whole life of believers should be repentance. 2. This word cannot be understood to mean sacramental penance, i.e., confession and satisfaction, which is administered by the priests. 3. Yet it means not inward repentance only; nay, there is no inward repentance which does not outwardly work divers mortifications of the flesh. 4. The penalty [of sin], therefore, continues so long as hatred of self continues; for this is the true inward repentance, and continues until our entrance into the kingdom of heaven. 5. The pope does not intend to remit, and cannot remit any penalties other than those which he has imposed either by his own authority or by that of the Canons. 6. The pope cannot remit any guilt, except by declaring that it has been remitted by God and by assenting to God's remission; though, to be sure, he may grant remission in cases reserved to his judgment. If his right to grant remission in such cases were despised, the guilt would remain entirely unforgiven. 7. God remits guilt to no one whom He does not, at the same time, humble in all things and bring into subjection to His vicar, the priest. 8. The penitential canons are imposed only on the living, and, according to them, nothing should be imposed on the dying. 9. Therefore the Holy Spirit in the pope is kind to us, because in his decrees he always makes exception of the article of death and of necessity. 10. Ignorant and wicked are the doings of those priests who, in the case of the dying, reserve canonical penances for purgatory. 11. This changing of the canonical penalty to the penalty of purgatory is quite evidently one of the tares that were sown while the bishops slept. 12. In former times the canonical penalties were imposed not after, but before absolution, as tests of true contrition. 13. The dying are freed by death from all penalties; they are already dead to canonical rules, and have a right to be released from them. 14. The imperfect health [of soul], that is to say, the imperfect love, of the dying brings with it, of necessity, great fear; and the smaller the love, the greater is the fear. 15. This fear and horror is sufficient of itself alone (to say nothing of other things) to constitute the penalty of purgatory, since it is very near to the horror of despair. 16. Hell, purgatory, and heaven seem to differ as do despair, almost-despair, and the assurance of safety. 17. With souls in purgatory it seems necessary that horror should grow less and love increase. 18. It seems unproved, either by reason or Scripture, that they are outside the state of merit, that is to say, of increasing love. 19. Again, it seems unproved that they, or at least that all of them, are certain or assured of their own blessedness, though we may be quite certain of it. 20. Therefore by "full remission of all penalties" the pope means not actually "of all," but only of those imposed by himself. 21. Therefore those preachers of indulgences are in error, who say that by the pope's indulgences a man is freed from every penalty, and saved; 22. Whereas he remits to souls in purgatory no penalty which, according to the canons, they would have had to pay in this life. 23. If it is at all possible to grant to any one the remission of all penalties whatsoever, it is certain that this remission can be granted only to the most perfect, that is, to the very fewest. 24. It must needs be, therefore, that the greater part of the people are deceived by that indiscriminate and highsounding promise of release from penalty. 25. The power which the pope has, in a general way, over purgatory, is just like the power which any bishop or curate has, in a special way, within his own diocese or parish. 26. The pope does well when he grants remission to souls [in purgatory], not by the power of the keys (which he does not possess), but by way of intercession. 27. They preach man who say that so soon as the penny jingles into the money-box, the soul flies out [of purgatory]. 28. It is certain that when the penny jingles into the money-box, gain and avarice can be increased, but the result of the intercession of the Church is in the power of God alone. 29. Who knows whether all the souls in purgatory wish to be bought out of it, as in the legend of Sts. Severinus and Paschal. 30. No one is sure that his own contrition is sincere; much less that he has attained full remission. 31. Rare as is the man that is truly penitent, so rare is also the man who truly buys indulgences, i.e., such men are most rare. 32. They will be condemned eternally, together with their teachers, who believe themselves sure of their salvation because they have letters of pardon. 33. Men must be on their guard against those who say that the pope's pardons are that inestimable gift of God by which man is reconciled to Him; 34. For these "graces of pardon" concern only the penalties of sacramental satisfaction, and these are appointed by man. 35. They preach no Christian doctrine who teach that contrition is not necessary in those who intend to buy souls out of purgatory or to buy confessionalia. 36. Every truly repentant Christian has a right to full remission of penalty and guilt, even without letters of pardon. 37. Every true Christian, whether living or dead, has part in all the blessings of Christ and the Church; and this is granted him by God, even without letters of pardon. 38. Nevertheless, the remission and participation [in the blessings of the Church] which are granted by the pope are in no way to be despised, for they are, as I have said, the declaration of divine remission. 39. It is most difficult, even for the very keenest theologians, at one and the same time to commend to the people the abundance of pardons and [the need of] true contrition. 40. True contrition seeks and loves penalties, but liberal pardons only relax penalties and cause them to be hated, or at least, furnish an occasion [for hating them]. 41. Apostolic pardons are to be preached with caution, lest the people may falsely think them preferable to other good works of love. 42. Christians are to be taught that the pope does not intend the buying of pardons to be compared in any way to works of mercy. 43. Christians are to be taught that he who gives to the poor or lends to the needy does a better work than buying pardons; 44. Because love grows by works of love, and man becomes better; but by pardons man does not grow better, only more free from penalty. 45. 45. Christians are to be taught that he who sees a man in need, and passes him by, and gives [his money] for pardons, purchases not the indulgences of the pope, but the indignation of God. 46. Christians are to be taught that unless they have more than they need, they are bound to keep back what is necessary for their own families, and by no means to squander it on pardons. 47. Christians are to be taught that the buying of pardons is a matter of free will, and not of commandment. 48. Christians are to be taught that the pope, in granting pardons, needs, and therefore desires, their devout prayer for him more than the money they bring. 49. Christians are to be taught that the pope's pardons are useful, if they do not put their trust in them; but altogether harmful, if through them they lose their fear of God. 50. Christians are to be taught that if the pope knew the exactions of the pardon-preachers, he would rather that St. Peter's church should go to ashes, than that it should be built up with the skin, flesh and bones of his sheep. 51. Christians are to be taught that it would be the pope's wish, as it is his duty, to give of his own money to very many of those from whom certain hawkers of pardons cajole money, even though the church of St. Peter might have to be sold. 52. The assurance of salvation by letters of pardon is vain, even though the commissary, nay, even though the pope himself, were to stake his soul upon it. 53. They are enemies of Christ and of the pope, who bid the Word of God be altogether silent in some Churches, in order that pardons may be preached in others. 54. Injury is done the Word of God when, in the same sermon, an equal or a longer time is spent on pardons than on this Word. 55. It must be the intention of the pope that if pardons, which are a very small thing, are celebrated with one bell, with single processions and ceremonies, then the Gospel, which is the very greatest thing, should be preached with a hundred bells, a hundred processions, a hundred ceremonies. 56. The "treasures of the Church," out of which the pope. grants indulgences, are not sufficiently named or known among the people of Christ. 57. That they are not temporal treasures is certainly evident, for many of the vendors do not pour out such treasures so easily, but only gather them. 58. Nor are they the merits of Christ and the Saints, for even without the pope, these always work grace for the inner man, and the cross, death, and hell for the outward man. 59. St. Lawrence said that the treasures of the Church were the Church's poor, but he spoke according to the usage of the word in his own time. 60. Without rashness we say that the keys of the Church, given by Christ's merit, are that treasure; 61. For it is clear that for the remission of penalties and of reserved cases, the power of the pope is of itself sufficient. 62. The true treasure of the Church is the Most Holy Gospel of the glory and the grace of God. 63. But this treasure is naturally most odious, for it makes the first to be last. 64. On the other hand, the treasure of indulgences is naturally most acceptable, for it makes the last to be first. 65. Therefore the treasures of the Gospel are nets with which they formerly were wont to fish for men of riches. 66. The treasures of the indulgences are nets with which they now fish for the riches of men. 67. The indulgences which the preachers cry as the "greatest graces" are known to be truly such, in so far as they promote gain. 68. Yet they are in truth the very smallest graces compared with the grace of God and the piety of the Cross. 69. Bishops and curates are bound to admit the commissaries of apostolic pardons, with all reverence. 70. But still more are they bound to strain all their eyes and attend with all their ears, lest these men preach their own dreams instead of the commission of the pope. 71. He who speaks against the truth of apostolic pardons, let him be anathema and accursed! 72. But he who guards against the lust and license of the pardon-preachers, let him be blessed! 73. The pope justly thunders against those who, by any art, contrive the injury of the traffic in pardons. 74. But much more does he intend to thunder against those who use the pretext of pardons to contrive the injury of holy love and truth. 75. To think the papal pardons so great that they could absolve a man even if he had committed an impossible sin and violated the Mother of God -- this is madness. 76. We say, on the contrary, that the papal pardons are not able to remove the very least of venial sins, so far as its guilt is concerned. 77. It is said that even St. Peter, if he were now Pope, could not bestow greater graces; this is blasphemy against St. Peter and against the pope. 78. We say, on the contrary, that even the present pope, and any pope at all, has greater graces at his disposal; to wit, the Gospel, powers, gifts of healing, etc., as it is written in I. Corinthians xii. 79. To say that the cross, emblazoned with the papal arms, which is set up [by the preachers of indulgences], is of equal worth with the Cross of Christ, is blasphemy. 80. The bishops, curates and theologians who allow such talk to be spread among the people, will have an account to render. 81. This unbridled preaching of pardons makes it no easy matter, even for learned men, to rescue the reverence due to the pope from slander, or even from the shrewd questionings of the laity. 82. To wit: -- "Why does not the pope empty purgatory, for the sake of holy love and of the dire need of the souls that are there, if he redeems an infinite number of souls for the sake of miserable money with which to build a Church? The former reasons would be most just; the latter is most trivial." 83. Again: -- "Why are mortuary and anniversary masses for the dead continued, and why does he not return or permit the withdrawal of the endowments founded on their behalf, since it is wrong to pray for the redeemed?" 84. Again: -- "What is this new piety of God and the pope, that for money they allow a man who is impious and their enemy to buy out of purgatory the pious soul of a friend of God, and do not rather, because of that pious and beloved soul's own need, free it for pure love's sake?" 85. Again: -- "Why are the penitential canons long since in actual fact and through disuse abrogated and dead, now satisfied by the granting of indulgences, as though they were still alive and in force?" 86. Again: -- "Why does not the pope, whose wealth is to-day greater than the riches of the richest, build just this one church of St. Peter with his own money, rather than with the money of poor believers?" 87. Again: -- "What is it that the pope remits, and what participation does he grant to those who, by perfect contrition, have a right to full remission and participation?" 88. Again: -- "What greater blessing could come to the Church than if the pope were to do a hundred times a day what he now does once, and bestow on every believer these remissions and participations?" 89. "Since the pope, by his pardons, seeks the salvation of souls rather than money, why does he suspend the indulgences and pardons granted heretofore, since these have equal efficacy?" 90. To repress these arguments and scruples of the laity by force alone, and not to resolve them by giving reasons, is to expose the Church and the pope to the ridicule of their enemies, and to make Christians unhappy. 91. If, therefore, pardons were preached according to the spirit and mind of the pope, all these doubts would be readily resolved; nay, they would not exist. 92. Away, then, with all those prophets who say to the people of Christ, "Peace, peace," and there is no peace! 93. Blessed be all those prophets who say to the people of Christ, "Cross, cross," and there is no cross! 94. Christians are to be exhorted that they be diligent in following Christ, their Head, through penalties, deaths, and hell; 95. And thus be confident of entering into heaven rather through many tribulations, than through the assurance of peace.

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Rev. Robert E. Smith Walther Library Concordia Theological Seminary.

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Ninety-Five Theses

Plural noun.

• the theses of Luther against the sale of indulgences in the Roman Catholic Church, posted by him on the door of a church in Wittenberg, October 31, 1517.