Now to the one who works, his pay is not credited due to grace but due to obligation. But to the one who does not work, but believes in the one who declares the ungodly righteous, his faith is credited as righteousness. So even David himself speaks regarding the blessedness of the man to whom God credits righteousness apart from works: “Blessed are those whose lawless deeds are forgiven, and whose sins are covered; blessed is the one against whom the Lord will never count sin.”
Now to the one who works, wages are not credited as a gift but as an obligation. However, to the one who does not work but trusts God who justifies the ungodly, their faith is credited as righteousness. David says the same thing when he speaks of the blessedness of the one to whom God credits righteousness apart from works: “Blessed are those whose transgressions are forgiven, whose sins are covered. Blessed is the one whose sin the Lord will never count against them.”
Now to him who works, the wages are not counted as grace but as debt. David Celebrates the Same Truth But to him who does not work but believes on Him who justifies the ungodly, his faith is accounted for righteousness, just as David also describes the blessedness of the man to whom God imputes righteousness apart from works: “Blessed are those whose lawless deeds are forgiven,And whose sins are covered; Blessed is the man to whom the Lord shall not impute sin.”
When people work, their wages are not a gift, but something they have earned. But people are counted as righteous, not because of their work, but because of their faith in God who forgives sinners. David also spoke of this when he described the happiness of those who are declared righteous without working for it: “Oh, what joy for those whose disobedience is forgiven, whose sins are put out of sight. Yes, what joy for those whose record the Lord has cleared of sin.”
Now to him that worketh is the reward not reckoned of grace, but of debt. But to him that worketh not, but believeth on him that justifieth the ungodly, his faith is counted for righteousness. Even as David also describeth the blessedness of the man, unto whom God imputeth righteousness without works, Saying, Blessed are they whose iniquities are forgiven, and whose sins are covered. Blessed is the man to whom the Lord will not impute sin.
There is not one of us who has earned God's forgiveness by our actions (or works). We are forgiven because of the gift of Jesus Christ. It is only because of His perfect work (His perfect life) given up as payment for our sins that we have been saved. Our faith that Jesus has done this is what is credited to us as righteousness, just as Abraham's faith in God was credited to him as righteousness. Trust in Jesus! He is the only one qualified to justify us before God.