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• The 95 Theses

On 31 October 1517, Martin Luther pinned the 95 Theses next to the sale of indulgences to the door of the main church in Wittenberg. Although Luther could never have foreseen the impact of this act, it served to trigger the German Reformation. The main idea of the 95 Theses was that the Church’s teaching on salvation were incorrect and that the Bible revealed God’s true will.

In his early years, Luther had accepted the teachings of the Church. However, over time they began to trouble him. He feared that he would never gain salvation, as leading a completely sin-free life was almost impossible. His despair worsened when, in 1517, the Dominican friar John Tetzel was empowered by the pope to fund the restoration of buildings in Rome by selling indulgences. Tetzel’s sermons became advertisements for the expensive indulgences, which would ensure the forgiveness of all the purchaser’s sins. It also promised the release of a loved one from purgatory. Churchgoers would sing:

“As soon as the coin in the coffer rings,  So the soul from purgatory springs.”

Luther felt that the Church was exploiting its members for its own gain. He saw it as an example of the “rottenness” of the Church.

The Church’s actions inspired Luther to write The 95 Theses. The pamphlet contained 95 points that he felt should be argued at an academic level.

Whether Luther intended for his pamphlet to be read by a wide audience is up for debate. On the one hand, it was written in Latin which was the traditional language of the scholar. Thus, few people in Wittenberg would have been able to read it.

On the other hand, the timing suggests that he was hoping for his arguments to receive wide publicity. The 95 Theses appeared only the day before the Elector of Saxony sold indulgences to visitors of his holy relics.

Even if Luther didn’t intend for it to happen, the 95 Theses were soon translated into German, printed and widely distributed. His ideas had wide appeal - scholars approved of the theory behind Luther’s arguments, and the public were happy to find they could have salvation regardless of their wealth.

Luther’s ideas spread across Germany through the traders that travelled through Wittenberg. Moreover, it helped that his ideas had a populist appeal.

See also: The 95 Theses - A Modern Translation

MLA Citation/Reference

"The 95 Theses". HistoryLearning.com. 2024. Web.

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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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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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This Day In History : October 31

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Martin Luther posts 95 theses

On October 31, 1517, legend has it that the priest and scholar Martin Luther approaches the door of the Castle Church in Wittenberg, Germany, and nails a piece of paper to it containing the 95 revolutionary opinions that would begin the Protestant Reformation .

In his theses, Luther condemned the excesses and corruption of the Roman Catholic Church, especially the papal practice of asking payment—called “indulgences”—for the forgiveness of sins. At the time, a Dominican priest named Johann Tetzel, commissioned by the Archbishop of Mainz and Pope Leo X, was in the midst of a major fundraising campaign in Germany to finance the renovation of St. Peter’s Basilica in Rome. Though Prince Frederick III the Wise had banned the sale of indulgences in Wittenberg, many church members traveled to purchase them. When they returned, they showed the pardons they had bought to Luther, claiming they no longer had to repent for their sins.

Luther’s frustration with this practice led him to write the 95 Theses, which were quickly snapped up, translated from Latin into German and distributed widely. A copy made its way to Rome, and efforts began to convince Luther to change his tune. He refused to keep silent, however, and in 1521 Pope Leo X formally excommunicated Luther from the Catholic Church. That same year, Luther again refused to recant his writings before the Holy Roman Emperor Charles V of Germany, who issued the famous Edict of Worms declaring Luther an outlaw and a heretic and giving permission for anyone to kill him without consequence. Protected by Prince Frederick, Luther began working on a German translation of the Bible, a task that took 10 years to complete.

The term “Protestant” first appeared in 1529, when Charles V revoked a provision that allowed the ruler of each German state to choose whether they would enforce the Edict of Worms. A number of princes and other supporters of Luther issued a protest, declaring that their allegiance to God trumped their allegiance to the emperor. They became known to their opponents as Protestants; gradually this name came to apply to all who believed the Church should be reformed, even those outside Germany. By the time Luther died, of natural causes, in 1546, his revolutionary beliefs had formed the basis for the Protestant Reformation, which would over the next three centuries revolutionize Western civilization.

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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.

Is there enough evidence for us to believe the Gospels?

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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Introducing The Acts 29 Podcast

Martin Luther

(1483-1546)

Who Was Martin Luther?

Luther called into question some of the basic tenets of Roman Catholicism, and his followers soon split from the Roman Catholic Church to begin the Protestant tradition. His actions set in motion tremendous reform within the Church.

A prominent theologian, Luther’s desire for people to feel closer to God led him to translate the Bible into the language of the people, radically changing the relationship between church leaders and their followers.

Luther was born on November 10, 1483, in Eisleben, Saxony, located in modern-day Germany.

His parents, Hans and Margarette Luther, were of peasant lineage. However, Hans had some success as a miner and ore smelter, and in 1484 the family moved from Eisleben to nearby Mansfeld, where Hans held ore deposits.

Hans Luther knew that mining was a tough business and wanted his promising son to have a better career as a lawyer. At age seven, Luther entered school in Mansfeld.

At 14, Luther went north to Magdeburg, where he continued his studies. In 1498, he returned to Eisleben and enrolled in a school, studying grammar, rhetoric and logic. He later compared this experience to purgatory and hell.

In 1501, Luther entered the University of Erfurt , where he received a degree in grammar, logic, rhetoric and metaphysics. At this time, it seemed he was on his way to becoming a lawyer.

Becoming a Monk

In July 1505, Luther had a life-changing experience that set him on a new course to becoming a monk.

Caught in a horrific thunderstorm where he feared for his life, Luther cried out to St. Anne, the patron saint of miners, “Save me, St. Anne, and I’ll become a monk!” The storm subsided and he was saved.

Most historians believe this was not a spontaneous act, but an idea already formulated in Luther’s mind. The decision to become a monk was difficult and greatly disappointed his father, but he felt he must keep a promise.

Luther was also driven by fears of hell and God’s wrath, and felt that life in a monastery would help him find salvation.

The first few years of monastic life were difficult for Luther, as he did not find the religious enlightenment he was seeking. A mentor told him to focus his life exclusively on Jesus Christ and this would later provide him with the guidance he sought.

Disillusionment with Rome

At age 27, Luther was given the opportunity to be a delegate to a Catholic church conference in Rome. He came away more disillusioned, and very discouraged by the immorality and corruption he witnessed there among the Catholic priests.

Upon his return to Germany, he enrolled in the University of Wittenberg in an attempt to suppress his spiritual turmoil. He excelled in his studies and received a doctorate, becoming a professor of theology at the university (known today as Martin Luther University Halle-Wittenberg ).

Through his studies of scripture, Luther finally gained religious enlightenment. Beginning in 1513, while preparing lectures, Luther read the first line of Psalm 22, which Christ wailed in his cry for mercy on the cross, a cry similar to Luther’s own disillusionment with God and religion.

Two years later, while preparing a lecture on Paul’s Epistle to the Romans, he read, “The just will live by faith.” He dwelled on this statement for some time.

Finally, he realized the key to spiritual salvation was not to fear God or be enslaved by religious dogma but to believe that faith alone would bring salvation. This period marked a major change in his life and set in motion the Reformation.

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'95 Theses'

On October 31, 1517, Luther, angry with Pope Leo X’s new round of indulgences to help build St. Peter’s Basilica , nailed a sheet of paper with his 95 Theses on the University of Wittenberg’s chapel door.

Though Luther intended these to be discussion points, the 95 Theses laid out a devastating critique of the indulgences - good works, which often involved monetary donations, that popes could grant to the people to cancel out penance for sins - as corrupting people’s faith.

Luther also sent a copy to Archbishop Albert Albrecht of Mainz, calling on him to end the sale of indulgences. Aided by the printing press , copies of the 95 Theses spread throughout Germany within two weeks and throughout Europe within two months.

The Church eventually moved to stop the act of defiance. In October 1518, at a meeting with Cardinal Thomas Cajetan in Augsburg, Luther was ordered to recant his 95 Theses by the authority of the pope.

Luther said he would not recant unless scripture proved him wrong. He went further, stating he didn’t consider that the papacy had the authority to interpret scripture. The meeting ended in a shouting match and initiated his ultimate excommunication from the Church.

Excommunication

Following the publication of his 95 Theses , Luther continued to lecture and write in Wittenberg. In June and July of 1519 Luther publicly declared that the Bible did not give the pope the exclusive right to interpret scripture, which was a direct attack on the authority of the papacy.

Finally, in 1520, the pope had had enough and on June 15 issued an ultimatum threatening Luther with excommunication.

On December 10, 1520, Luther publicly burned the letter. In January 1521, Luther was officially excommunicated from the Roman Catholic Church.

Diet of Worms

In March 1521, Luther was summoned before the Diet of Worms , a general assembly of secular authorities. Again, Luther refused to recant his statements, demanding he be shown any scripture that would refute his position. There was none.

On May 8, 1521, the council released the Edict of Worms, banning Luther’s writings and declaring him a “convicted heretic.” This made him a condemned and wanted man. Friends helped him hide out at the Wartburg Castle.

While in seclusion, he translated the New Testament into the German language, to give ordinary people the opportunity to read God’s word.

Lutheran Church

Though still under threat of arrest, Luther returned to Wittenberg Castle Church, in Eisenach, in May 1522 to organize a new church, Lutheranism.

He gained many followers, and the Lutheran Church also received considerable support from German princes.

When a peasant revolt began in 1524, Luther denounced the peasants and sided with the rulers, whom he depended on to keep his church growing. Thousands of peasants were killed, but the Lutheran Church grew over the years.

Katharina von Bora

In 1525, Luther married Katharina von Bora, a former nun who had abandoned the convent and taken refuge in Wittenberg.

Born into a noble family that had fallen on hard times, at the age of five Katharina was sent to a convent. She and several other reform-minded nuns decided to escape the rigors of the cloistered life, and after smuggling out a letter pleading for help from the Lutherans, Luther organized a daring plot.

With the help of a fishmonger, Luther had the rebellious nuns hide in herring barrels that were secreted out of the convent after dark - an offense punishable by death. Luther ensured that all the women found employment or marriage prospects, except for the strong-willed Katharina, who refused all suitors except Luther himself.

The scandalous marriage of a disgraced monk to a disgraced nun may have somewhat tarnished the reform movement, but over the next several years, the couple prospered and had six children.

Katharina proved herself a more than a capable wife and ally, as she greatly increased their family's wealth by shrewdly investing in farms, orchards and a brewery. She also converted a former monastery into a dormitory and meeting center for Reformation activists.

Luther later said of his marriage, "I have made the angels laugh and the devils weep." Unusual for its time, Luther in his will entrusted Katharina as his sole inheritor and guardian of their children.

Anti-Semitism

From 1533 to his death in 1546, Luther served as the dean of theology at University of Wittenberg. During this time he suffered from many illnesses, including arthritis, heart problems and digestive disorders.

The physical pain and emotional strain of being a fugitive might have been reflected in his writings.

Some works contained strident and offensive language against several segments of society, particularly Jews and, to a lesser degree, Muslims. Luther's anti-Semitism is on full display in his treatise, The Jews and Their Lies .

Luther died following a stroke on February 18, 1546, at the age of 62 during a trip to his hometown of Eisleben. He was buried in All Saints' Church in Wittenberg, the city he had helped turn into an intellectual center.

Luther's teachings and translations radically changed Christian theology. Thanks in large part to the Gutenberg press, his influence continued to grow after his death, as his message spread across Europe and around the world.

QUICK FACTS

• Name: Luther Martin
• Birth Year: 1483
• Birth date: November 10, 1483
• Birth City: Eisleben
• Birth Country: Germany
• Gender: Male
• Best Known For: Martin Luther was a German monk who forever changed Christianity when he nailed his '95 Theses' to a church door in 1517, sparking the Protestant Reformation.
• Christianity
• Astrological Sign: Scorpio
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• Interesting Facts
• Martin Luther studied to be a lawyer before deciding to become a monk.
• Luther refused to recant his '95 Theses' and was excommunicated from the Catholic Church.
• Luther married a former nun and they went on to have six children.
• Death Year: 1546
• Death date: February 18, 1546
• Death City: Eisleben
• Death Country: Germany

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CITATION INFORMATION

• Article Title: Martin Luther Biography
• Author: Biography.com Editors
• Website Name: The Biography.com website
• Url: https://www.biography.com/religious-figures/martin-luther
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• Publisher: A&E; Television Networks
• Last Updated: September 20, 2019
• Original Published Date: April 2, 2014
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• God writes the Gospel not in the Bible alone, but also on trees, and in the flowers and clouds and stars.
• Let the wife make the husband glad to come home, and let him make her sorry to see him leave.
• You are not only responsible for what you say, but also for what you do not say.

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Pontius Pilate

by Dr. Martin Luther, 1517

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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The 95 Theses , a document written by Martin Luther in 1517, challenged the teachings of the Catholic Church on the nature of penance, the authority of the pope and the usefulness of indulgences. It sparked a theological debate that fueled the Reformation and subsequently resulted in the birth of Protestantism and the Lutheran , Reformed , and Anabaptist traditions within Christianity.

Luther's action was in great part a response to the selling of indulgences by Johann Tetzel, a Dominican priest, commissioned by the Archbishop of Mainz and Pope Leo X. The purpose of this fundraising campaign was to finance the building of St. Peter's Basilica in Rome. Even though Luther's prince, Frederick the Wise, and the prince of the neighboring territory, George, Duke of Saxony, forbade the sale in their lands, Luther's parishioners traveled to purchase them. When these people came to confession, they presented the plenary indulgence, claiming they no longer had to repent of their sins, since the document promised to forgive all their sins.

Luther is said to have posted the 95 Theses on the door of the Castle Church in Wittenberg, Germany, on October 31, 1517. Church doors functioned very much as bulletin boards function on a twenty-first century college campus. The 95 Theses were quickly translated into German, widely copied and printed. Within two weeks they had spread throughout Germany, and within two months throughout Europe. This was one of the first events in history that was profoundly affected by the printing press, which made the distribution of documents and ideas easier and more wide-spread.

Text of the 95 Theses

**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.

• Our Lord and Master Jesus Christ, when He said Poenitentiam agite, willed that the whole life of believers should be repentance.
• This word cannot be understood to mean sacramental penance, i.e., confession and satisfaction, which is administered by the priests.
• Yet it means not inward repentance only; nay, there is no inward repentance which does not outwardly work divers mortifications of the flesh.
• 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.
• 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.
• 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.
• 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.
• The penitential canons are imposed only on the living, and, according to them, nothing should be imposed on the dying.
• 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.
• Ignorant and wicked are the doings of those priests who, in the case of the dying, reserve canonical penances for purgatory.
• 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.
• In former times the canonical penalties were imposed not after, but before absolution, as tests of true contrition.
• 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.
• 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.
• 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.
• Hell, purgatory, and heaven seem to differ as do despair, almost-despair, and the assurance of safety.
• With souls in purgatory it seems necessary that horror should grow less and love increase.
• It seems unproved, either by reason or Scripture, that they are outside the state of merit, that is to say, of increasing love.
• 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.
• Therefore by "full remission of all penalties" the pope means not actually "of all," but only of those imposed by himself.
• 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;
• Whereas he remits to souls in purgatory no penalty which, according to the canons, they would have had to pay in this life.
• 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.
• It must needs be, therefore, that the greater part of the people are deceived by that indiscriminate and highsounding promise of release from penalty.
• 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 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.
• They preach man who say that so soon as the penny jingles into the money-box, the soul flies out [of purgatory].
• 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.
• Who knows whether all the souls in purgatory wish to be bought out of it, as in the legend of Sts. Severinus and Paschal.
• No one is sure that his own contrition is sincere; much less that he has attained full remission.
• 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.
• They will be condemned eternally, together with their teachers, who believe themselves sure of their salvation because they have letters of pardon.
• 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;
• For these "graces of pardon" concern only the penalties of sacramental satisfaction, and these are appointed by man.
• 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.
• Every truly repentant Christian has a right to full remission of penalty and guilt, even without letters of pardon.
• 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.
• 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.
• 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.
• 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].
• Apostolic pardons are to be preached with caution, lest the people may falsely think them preferable to other good works of love.
• 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.
• Christians are to be taught that he who gives to the poor or lends to the needy does a better work than buying pardons;
• Because love grows by works of love, and man becomes better; but by pardons man does not grow better, only more free from penalty.
• 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.
• 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.
• Christians are to be taught that the buying of pardons is a matter of free will, and not of commandment.
• 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.
• 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.
• 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.
• 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.
• 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.
• 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.
• 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.
• 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.
• The "treasures of the Church," out of which the pope grants indulgences, are not sufficiently named or known among the people of Christ.
• 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.
• 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.
• 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.
• Without rashness we say that the keys of the Church, given by Christ's merit, are that treasure;
• For it is clear that for the remission of penalties and of reserved cases, the power of the pope is of itself sufficient.
• The true treasure of the Church is the Most Holy Gospel of the glory and the grace of God.
• But this treasure is naturally most odious, for it makes the first to be last.
• On the other hand, the treasure of indulgences is naturally most acceptable, for it makes the last to be first.
• Therefore the treasures of the Gospel are nets with which they formerly were wont to fish for men of riches.
• The treasures of the indulgences are nets with which they now fish for the riches of men.
• The indulgences which the preachers cry as the "greatest graces" are known to be truly such, in so far as they promote gain.
• Yet they are in truth the very smallest graces compared with the grace of God and the piety of the Cross.
• Bishops and curates are bound to admit the commissaries of apostolic pardons, with all reverence.
• 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.
• He who speaks against the truth of apostolic pardons, let him be anathema and accursed!
• But he who guards against the lust and license of the pardon-preachers, let him be blessed!
• The pope justly thunders against those who, by any art, contrive the injury of the traffic in pardons.
• 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.
• 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.
• 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.
• 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.
• 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.
• 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.
• The bishops, curates and theologians who allow such talk to be spread among the people, will have an account to render.
• 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.
• 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."
• 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?"
• 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?"
• 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?"
• 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?"
• 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?"
• 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?"
• "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?"
• 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.
• 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.
• Away, then, with all those prophets who say to the people of Christ, "Peace, peace," and there is no peace!
• Blessed be all those prophets who say to the people of Christ, "Cross, cross," and there is no cross!
• Christians are to be exhorted that they be diligent in following Christ, their Head, through penalties, deaths, and hell;
• And thus be confident of entering into heaven rather through many tribulations, than through the assurance of peace.
• Martin Luther
• Reformation

External links

• The 95 Theses in the original Latin
• The 95 Theses in English

Ninety-Five Theses

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Summary and Study Guide

Summary: “ninety-five theses”.

Martin Luther wrote the “Ninety-Five Theses: A Disputation to Clarify the Power of Indulgences” in 1517. These statements were called “theses” because they were meant to provide a basis for later arguments, much like the statements that students base academic papers on today. This guide refers to The Ninety-Five Theses and Other Writings , translated by William R. Russell, published in 2017 by Penguin Books.

Martin Luther sent a copy of the theses along with a letter to Archbishop Albrecht von Brandenburg on October 31, 1517. Luther may have placed a copy of the theses on the door of All Saints’ Church in the northern German town of Wittenberg. Although the image of Luther posting his theses to the church door has become famous in art, historians debate whether he actually did so. It was customary to use church doors to show announcements and writings to the community. If Luther did post the theses, it was a routine act of presenting one’s writings to the public, not an act of defiance.

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Nonetheless, Luther’s theses made a splash. October 31, the day he chose to send his theses to Archbishop Albrecht, was All Saints’ Day, an important holy day on the Catholic Church’s calendar. Later generations would remember October 31 as the day the Protestant Revolution started. Today, it is still observed as Reformation Day in parts of Europe and South America. Once Luther’s ideas evolved and spread, and Protestantism emerged as a new branch of Christianity, the “Ninety-Five Theses” would become one of the most important documents in world history.

Still, it is important to keep in mind that Luther did not intend to start a revolution. Instead, the 95 theses were meant to start an academic debate. Luther’s main concern in the “Ninety-Five Theses” is indulgences , as the document’s subtitle, “A Disputation to Clarify the Power of Indulgences,” explains. Indulgences are grants that reduced the penance required by a living or dead Christian to make up for their sins, sold by the Catholic Church. Although Luther and his supporters would have a large impact on the history of Christianity, in the “Ninety-Five Theses” Luther is not arguing to change Christianity or get rid of the pope.

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Luther explains that he is a professor of theology at the University of Wittenberg and that he is offering up the theses for a debate. Luther’s theses argue that when Jesus Christ called for his followers to repent (Matthew 4:17), he meant “the entire life of believers be a life of repentance” (Line 1). In the next few theses, Luther clarifies that in this biblical passage Jesus is referring to the sacrament of penance. Luther argues that Jesus did not just mean “internal” repentance, meaning repenting one’s actions. Instead, Jesus was also asking for “external” repentance, which would mean resolving to exercise more “external self-control” in the future (Line 3). Luther concludes that “true internal repentance” would entail guilt or “hatred of self,” which would not end until after one entered heaven (Line 4).

In the next theses, Luther addresses the question of the pope’s authority over forgiveness and penance. Because Luther sees penance as a matter of guilt, he argues that the pope cannot reduce the amount of anyone’s required penance any more than he can reduce a person’s guilt. Nor can the pope reduce the penalties the dead suffer in purgatory for their sins in life. Instead, the dead are released from any canonical penalties the church can impose. Priests who argue otherwise “act ignorantly and wickedly” (Line 10). By using indulgences to offer people absolution from their sins first and requiring them to perform penance later, priests are reversing the older procedure of the church, in which absolution was only offered after acts of penance.

Luther discusses purgatory. He views the afterlife in terms of emotions: “The differences between hell, purgatory, and heaven are akin to the differences between despair, fear, and the assurance of salvation” (Line 16). Luther sees purgatory as a place where souls can lose their fear of damnation and gain God’s love. In short, Luther is arguing that souls in purgatory do not need penance from the church.

Next, Luther argues that the pope can only reduce or absolve penalties that the church itself imposes, referring to the penance the church orders for people seeking absolution. Even if the pope could grant such remissions, it would be reserved for only a few. According to Luther, the only way the pope can help souls in purgatory is by praying for them. Otherwise, he has no direct influence over the amount of penance they must pay in purgatory. The claim that the pope can help souls enter heaven is “simply a human doctrine” spread by deceptive priests (Line 27). The church can only pray to God on someone’s behalf, while God alone determines when a soul gets to heaven.

Luther adds that we cannot know if all souls in purgatory even wish for salvation. Nor can anyone know if they have repented of their sins or have received plenary (total) forgiveness. Luther concludes that the person who buys an indulgence and is genuinely remorseful is “exceedingly rare” (Line 31). Indulgences are only good for receiving penance according to church doctrine. However, certain priests lead people into believing that receiving indulgences absolves them of their sins. This causes people to believe that an indulgence makes true contrition for one’s sins unnecessary.

Luther still insists that indulgences can do some good. However, he argues people should understand it is better to spend one’s money in charity toward the poor or on their own families. If not properly understood, indulgences could cause Christians to “lose their fear of God” (Line 49). Also, Luther thinks the pope himself would be horrified at the actions of the “indulgence-hawkers” (Line 51). He goes on to denounce priests who discuss indulgences as much or more than the actual tenets of the church.

Luther concludes that “the church’s true treasure is the most holy gospel of God’s glory and grace” (Line 62). This treasure is the most ignored. Rather than valuing the church’s message of God’s love for the poor and downtrodden, certain priests are valuing indulgences for profit.

Luther says that the abuse of indulgences has hurt the pope’s reputation. Specifically, it raises questions such as why the pope does not just free every soul in purgatory, why endowments to pray for the dead are continued if the pope can absolve the sins of all souls, and why impious people are allowed to buy their way out of purgatory. Luther concludes that it is the responsibility of priests and theologians to remind Christians to “be confident of entering heaven through many tribulations rather than through the false security of peace” (Line 95). To put it another way, Luther finishes by asserting that indulgences offer a deceptively easy path to salvation.

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The ninety-five theses.

by Dr. Jack Kilcrease

Nevertheless, in spite of the fact that the sinner is free from eternal punishment, he is still subject to temporal punishment. Temporal punishment is simply the temporary suffering that all sin merits irrespective to forgiveness. If a person possesses heartfelt sadness at having violated the will of God (what Roman Catholic theology calls “contrition”) they will have already partially fulfilled the temporal punishment due to their sin. If they are merely repenting because they fear God’s judgment (what Roman Catholic theology calls “attrition”), then they will be subject to the full weight of temporal punishment.

In order to fulfill temporal punishment due to sin, the priest assigns penance after he has absolved the believer of sin. The priest decides how much penance to assign on the basis of an educated guess regarding the level of contrition experienced by the sinner. The more contrition the sinner feels (as opposed to mere attrition), the less penance should be assigned. To the extent that the sinner does not complete all penance given to him, or the priest makes a mistake regarding how much penance should be assigned, the sinner will have to endure the sufferings of purgatory in the next life to fill in the deficit.

Indulgences were invented partially as a way to solve the problem of the inexact nature of penance. Because the pope has access to the “Treasury of Merits” (i.e., the great reserve of the merits of Christ and the saints), he can release persons from the need to perform penance whenever he so chooses. This power extends to this life as well as the next (i.e., purgatory). He can do this by attaching a promise of indulgence to any action a sinner might take. By the time of the Reformation, the pope had attached this promise of the abrogation of penance to the payment of a fee. The pope also decreed that people could  make a payment for their dead relatives in purgatory, thereby shortening their sufferings.

The specific occasion of the outbreak of the Indulgence Controversy was Johann Tetzel’s sale of indulgences in northern Germany. This sale was authorized by Archbishop Albrecht of Mainz and Pope Leo X. Albrecht had recently paid the pope to make him archbishop of the region.  In order to repay the loan Albrecht had taken out to cover the bribe, the pope offered him the option of allowing the sale of indulgences in his region of Germany and splitting the profits with the Vatican. Specifically, the papacy was interested in selling indulgences at this time as a way of paying for the construction of St. Peter’s Basilica in Rome. Although indulgences were not sold in Saxony, many people in Wittenberg traveled to the nearby regions and purchased them.

Lastly, Luther argued that the pope does not have any power over purgatory.  If we believe that the pope does, argued Luther, it raises the uncomfortable question of why he does not simply empty purgatory for the sake of mercy, rather than demanding a fee.

Jack Kilcrease is a member of Our Savior Lutheran Church, Grand Rapids, Mich.

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Luther's 95 Theses

95 theses martin luther nailed on the church door at wittenburg..

OCTOBER 31, 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.

• When our Lord and Master Jesus Christ said, "Repent" ( Matthew 4:17 ), he willed the entire life of believers to be one of repentance.
• This word cannot be understood as referring to the sacrament of penance, that is, confession and satisfaction, as administered by the clergy.
• Yet it does not mean solely inner repentance; such inner repentance is worthless unless it produces various outward mortification of the flesh.
• 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.
• The pope neither desires nor is able to remit any penalties except those imposed by his own authority or that of the canons.
• 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.
• 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.
• The penitential canons are imposed only on the living, and, according to the canons themselves, nothing should be imposed on the dying.
• 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.
• Those priests act ignorantly and wickedly who, in the case of the dying, reserve canonical penalties for purgatory.
• Those tares of changing the canonical penalty to the penalty of purgatory were evidently sown while the bishops slept ( Matthew 13:25 ).
• In former times canonical penalties were imposed, not after, but before absolution, as tests of true contrition.
• 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.
• 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.
• 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.
• Hell, purgatory, and heaven seem to differ the same as despair, fear, and assurance of salvation.
• It seems as though for the souls in purgatory fear should necessarily decrease and love increase.
• 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.
• 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.
• 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.
• Thus those indulgence preachers are in error who say that a man is absolved from every penalty and saved by papal indulgences.
• 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.
• 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.
• For this reason most people are necessarily deceived by that indiscriminate and high-sounding promise of release from penalty.
• 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.
• 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.
• They preach only human doctrines who say that as soon as the money clinks into the money chest, the soul flies out of purgatory.
• 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.
• 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.
• No one is sure of the integrity of his own contrition, much less of having received plenary remission.
• The man who actually buys indulgences is as rare as he who is really penitent; indeed, he is exceedingly rare.
• Those who believe that they can be certain of their salvation because they have indulgence letters will be eternally damned, together with their teachers.
• 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.
• For the graces of indulgences are concerned only with the penalties of sacramental satisfaction established by man.
• 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.
• Any truly repentant Christian has a right to full remission of penalty and guilt, even without indulgence letters.
• 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.
• 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.
• 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.
• 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.
• Papal indulgences must be preached with caution, lest people erroneously think that they are preferable to other good works of love.
• 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.
• 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.
• 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.
• 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.
• 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.
• Christians are to be taught that they buying of indulgences is a matter of free choice, not commanded.
• Christians are to be taught that the pope, in granting indulgences, needs and thus desires their devout prayer more than their money.
• 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.
• 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.
• 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.
• 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.
• 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.
• 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.
• 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.
• The true treasures of the church, out of which the pope distributes indulgences, are not sufficiently discussed or known among the people of Christ.
• That indulgences are not temporal treasures is certainly clear, for many indulgence sellers do not distribute them freely but only gather them.
• 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.
• 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.
• Without want of consideration we say that the keys of the church, given by the merits of Christ, are that treasure.
• For it is clear that the pope's power is of itself sufficient for the remission of penalties and cases reserved by himself.
• The true treasure of the church is the most holy gospel of the glory and grace of God.
• But this treasure is naturally most odious, for it makes the first to be last ( Matthew 20:16 ).
• On the other hand, the treasure of indulgences is naturally most acceptable, for it makes the last to be first.
• Therefore the treasures of the gospel are nets with which one formerly fished for men of wealth.
• The treasures of indulgences are nets with which one now fishes for the wealth of men.
• The indulgences which the demagogues acclaim as the greatest graces are actually understood to be such only insofar as they promote gain.
• They are nevertheless in truth the most insignificant graces when compared with the grace of God and the piety of the cross.
• Bishops and curates are bound to admit the commissaries of papal indulgences with all reverence.
• 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.
• Let him who speaks against the truth concerning papal indulgences be anathema and accursed.
• But let him who guards against the lust and license of the indulgence preachers be blessed.
• Just as the pope justly thunders against those who by any means whatever contrive harm to the sale of indulgences.
• Much more does he intend to thunder against those who use indulgences as a pretext to contrive harm to holy love and truth.
• 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.
• We say on the contrary that papal indulgences cannot remove the very least of venial sins as far as guilt is concerned.
• To say that even St. Peter if he were now pope, could not grant greater graces is blasphemy against St. Peter and the pope.
• 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 Corinthians 12:28 ).
• 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.
• The bishops, curates, and theologians who permit such talk to be spread among the people will have to answer for this.
• 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.
• 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.
• 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?"
• 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?"
• 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?"
• 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?"
• Again, "What does the pope remit or grant to those who by perfect contrition already have a right to full remission and blessings?"
• 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?"
• "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?"
• 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.
• 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.
• Away, then, with all those prophets who say to the people of Christ, "Peace, peace," and there is no peace! ( Jeremiah 6:14 )
• Blessed be all those prophets who say to the people of Christ, "Cross, cross," and there is no cross!
• Christians should be exhorted to be diligent in following Christ, their Head, through penalties, death and hell.
• 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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Martin Luther’s 95 Theses

On October 31, 1517 Martin Luther posted his now-famous 95 Theses on the door of Castle Church in Wittenberg, Germany.

This was not an act of defiant vandalism but was instead a fairly common occurrence for inviting academic discussion. The 95 points that Luther wished to have discussed are not all equally controversial. Many are rather mundane, some are difficult to understand in our time, and still others would not even be held by Luther himself in later years. Nevertheless, this event and the results of it are what lead to the Protestant Reformation.

These are the words that sparked the Reformation:

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;

Meet Martin Luther, the audacious Reformer who, out of love for the truth and the desire to bring it to light, set the world ablaze. In this volume, Drs. R.C. Sproul, Stephen J. Nichols, and thirteen other scholars and pastors examine his life, teaching, and enduring influence.

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. 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.

Learn More about Martin Luther:

• The Bondage of the Will by Martin Luther (Free eBook)
• The Heroic Boldness of Martin Luther by Steven Lawson (Book)
• The Heroic Boldness of Martin Luther (Video lecture from Steven Lawson)
• Martin Luther: Lessons from His Life and Labor (Sermon from John Piper)

This English translation of Luther’s 95 theses is from Works of Martin Luther, ed. and trans. by Adolph Spaeth, et al.

The main blog image was painted by Greg Copeland is from Paul Maier’s Martin Luther: A Man Who Changed the World .

Clayton Kraby

Hi, I'm Clay. I created ReasonableTheology.org to explain sound doctrine in plain language and help make theology more accessible for the everyday Christian. Thanks for stopping by!

Although I am not a Christian, in fact, I’m not religious, I have a keen interest in theology and I acknowledge there is a spiritual dimension to life. A very vague term, I realize…

I have always wanted to read the theses of Luther. They are astonishing! This man was certainly brave; he must have known he was putting himself in grave danger. And I can feel the breath of his righteous anger and indignation across the centuries.

All religion aside, he speaks here for the common man against the hypocrisy and greed and self-serving justifications of the clergy. He speaks truth to power, in other words.

My favorite is #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.” And how relevant still.

Thank you for the chance to read these.

Thanks, David. Luther certainly showed bravery in standing up against the doctrinal error of his day. There is a new documentary on Luther you may find interesting: https://www.lutherdocumentary.com/

Thanks for reading and commenting!

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