THE 95 THESES

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.3
11. Those tares of changing the canonical penalty to the penalty of
purgatory were evidently sown while the bishops slept. Matthew
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.4
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.5
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.6
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.7
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. Matthew 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.8
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. I Corinthians
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.9
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.10
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! Jeremiah 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