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The 95 Theses – a modern translation

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

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

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

4. Sin will always remain until we enter Heaven.

5. The pope must act according to canon law.

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

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

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

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

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

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

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

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

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

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

16. Purgatory = Hell. Heaven = Assurance.

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

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

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

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

21. An indulgence will not save a man.

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

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

24. Therefore most people are being deceived by indulgences.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

63. Indulgences make the most evil seem unjustly good.

64. Therefore evil seems good without penance or forgiveness.

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

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

67. It is wrong that merchants praise indulgences.

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

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

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

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

72. Blessed are they who think about being forgiven.

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

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

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

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

77. Not even St. Peter could remove guilt.

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

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

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

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

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

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

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

85. Why are indulgences still bought from the church ?

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

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

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

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

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

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

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

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

94. Christians must follow Christ at all cost.

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

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Martin Luther and the 95 Theses

By: History.com Editors

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

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

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

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

Martin Luther Enters the Monastery

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

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

Martin Luther Questions the Catholic Church

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

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

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

The 95 Theses

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

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

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

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

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

Luther the Heretic

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

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

Martin Luther's Later Years

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

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

Luther died on February 18, 1546.

Significance of Martin Luther’s Work

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

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Ninety-Five Theses

22 pages • 44 minutes read

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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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Martin Luther's 95 Theses

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

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

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

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

They did not. They all concern indulgences.

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

Historical Context

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

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

Martin Luther's Heading to the 95 Theses

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

In the Name of our Lord Jesus Christ. Amen.

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

The 95 Theses Explained

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Post-Script to the Ninety-Five Theses

Those are the 95 theses that changed the world!

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

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

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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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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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Martin Luther and the 95 Theses

September 23, 2023 By Danika 97 Comments

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Teach your teen about Martin Luther and The 95 Theses — A pivotal moment in time during the Reformation that changed the world!

On October 31st, 1517, a German monk by the name of Martin Luther protested the Roman Catholic practice of selling plenary indulgences (a slip of paper that excused the purchaser from paying the debt owed for all of their sins) by writing out a list of 95 concerns. In Latin. This monk, who was also a priest, a district vicar, and a professor, happened to be a student of Scripture and a brilliant man. He took his list to a printer to have copies made and then nailed it to the door of the Wittenberg Castle Church.

It was like posting an issue for debate on the university bulletin board. Luther didn’t expect that anyone other than Church officials and university professors would see his list. The document wasn’t a secret–he sent a copy to Albert, the Archbishop of Mainz. He truly wanted to open a debate and inspire change. Martin Luther was certain that if Church officials knew what was happening in his little area of Saxony in Germany, they’d fix it. Immediately.

The thing is, the Church did know. Selling plenary indulgences in Germany was a scheme that Albert of Mainz and Pope Leo X cooked up. They split the money earned to pay for the ongoing work on Saint Peter’s Basilica in Rome–and Albert owed Leo X some money after he purchased his archbishopric. It seems Leo X had spent quite a bit of the Church’s treasury in a big party when he was elected. Neither Albert nor Leo X had an issue with a little simony, either, it seemed.

Martin Luther, of course, knew none of that. He just knew that Scripture is clear–we don’t pay for our salvation.

We are saved by grace through faith.

Martin Luther and the 95 Theses would have been a small local issue, or perhaps a broader academic debate among scholars, had it not been for the printer. That sneaky printer.

He translated Luther’s Ninety-Five Theses into German. That document was distributed throughout Germany, then across Europe–translated into the languages of the local common people by printers along the way.

And that changed everything.

Make your own Martin Luther and the Ninety-Five Theses!

Listen to me read the first chapter of  When Lightning Struck! .

Martin Luther and the Reformation

The Roman Catholic Church had been in need of reform for quite some time. Church officials had long complained of issues of simony, corruption, broken celibacy vows at all levels of the Church leadership, and plenary indulgences.

Martin Luther’s study of Scripture led him to take issue with more and more teachings of the Church. A prolific writer, he taught Scriptural concepts in books, pamphlets, and sermons. The response was an all out battle. Reformers and adherents to the Roman Catholic Church chose sides and fought over who and what was supreme. It could either be the Pope or Scripture. But not both.

The Reformation of the Roman Catholic Church had been tamped down for about two hundred years before Martin Luther came on the scene. Reformers were often labeled heretics and publicly martyred. But Reformation could not be held back any longer by the time Martin Luther published The Ninety-Five Theses.

Martin Luther’s work and life led to both the eventual reform of the Roman Catholic Church, and the development of the Protestant Church. From there, Christians fought for a continued return to the teachings of Scripture.

Though Protestants don’t always agree on doctrinal issues, we do agree that we’re saved by the grace of God alone, through the faith that He gives us. We agree that Scripture is the Word of God, and the Bible can be trusted to reveal His will to us. We can have a personal relationship with God our Father through the atoning work of Jesus Christ our Savior and the indwelling of the Holy Spirit.

Fun Reformation Resources!

When Lightning Struck!: The Story of Martin Luther

When Lightning Struck!: The Story of Martin Luther   is an historical novel for teens . In it, I tell Martin Luther’s story in an exciting narrative (written with my adventure-loving boys in mind!).

Teens will learn about the important theological debates and central events of the Reformation, and be introduced to a number of the key players. They’ll come to know Martin Luther, the Father of the Reformation. By the time they finish the book, your teens will understand how God used Martin Luther to change the world. His fight for Scriptural truth reverberated across all areas of life–political, religious, and personal. Teens will also recognize that Martin Luther was a man like all other men–imperfect and a sinner. Martin Luther clung desperately to the truth that he was saved by God’s grace through faith.

When Lightning Struck!: The Story of Martin Luther is written for a teen audience, / it makes a great family read-aloud .

Martin Luther and the Reformation Lapbooks!

The When Lightning Struck! Discussion Guide is perfect for:

• Youth Groups
• Sunday School Classes
• Family Read-Alouds
• Homeschool Christian History

Each chapter has discussion questions and timeline dates to add to the 4-page timeline I’ve included at the back of the guide. There are also short biographies of important figures, and relevant Scripture passages to consider with discussion questions.

Want to download that Discussion Guide? It’s free! Just check out through the store.

Martin Luther Unit Study

• Martin Luther’s life
• Timeline dates
• Biographies of important people
• Relevant Scripture
• Art history

The 12-week unit study for middle and high school students is ideal for use in homeschools or co-ops. Each week covers discussion questions on the biography chapters, timeline dates (there’s a timeline included at the back of the unit study), related Scripture to study with discussion questions, and a short biography on an important figure.

The assignment schedule page for each weeks tells students what to study or write in each subject. In addition to the timeline, there are also vocabulary worksheets and maps at the back of the unit study. Each subject includes book suggestions that should be available at most libraries. Students can also just research subject matter online. There is no purchase in addition to When Lightning Struck! required to use the unit study.

There are notebooking pages available for the history and science subjects. These include both subject-related notebooking pages and biographical pages.

The art history section for each week’s study includes a biography page for an artist, and three notebooking pages with five art pieces by that artist. Students will be able to write about how each piece impacts them, how they feel about the work, and why.

Each week, students will have a writing assignment. There are two pages available for this assignment. Students will also have weekly copywork, either from Scripture (both ESV and KJV are cited so you may choose the version you prefer), or a quote from Martin Luther.

Learn more about the Who What Why series   and get your FREE Abolition Lapbooks here.

Bible Resources for Your Kids

Teach your teens about Martin Luther and the Reformation in an exciting, new way with  When Lightning Struck!: The Story of Martin Luther ! The book also makes a wonderful family read-aloud.

As Luther’s understanding of the spiritual corruption within the Church grew, and he despaired of true salvation, Luther (now a scholar and priest) sought the Bible for answers. Following his discovery of the true gospel in Scripture, Luther began to preach spiritual freedom to his congregation, and to teach biblical (rather than philosophical) theology at the University of Wittenberg.

It was on October 31, 1517 that Martin Luther penned his Ninety-Five Theses  in Latin in response to the abusive indulgence sales practices of the monk Johann Tetzel in a nearby town. Luther nailed the Theses to the door of the Wittenberg Castle Church, the scholarly bulletin board of his day, and mailed a copy to the Archbishop of Mainz. Luther hoped to start a scholarly debate about the practice of selling salvation through plenary indulgences. The response he received was greater–and more dangerous–than he imagined it would be.

Luther’s story is exciting. There are death defying moments, epic spiritual battles, narrow escapes, a kidnapping, revolution, and war. As the “Father of the Reformation”, Luther is a vital figure in Church history. His sacrifice and willingness to wage battle against the spiritual, religious, and political powers of his medieval world allowed Christians throughout time to embrace the truth of salvation by grace alone through faith alone in Christ alone as explained by Scripture alone once again. May all glory be to God alone!

Read portions of the first eight chapters of When Lightning Struck! :

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September 1, 2017 at 4:37 am

I’ve been looking for a read-aloud for my 1st and 7th graders to lead up to the 500th anniversary! This will be perfect! (Even better if we win the Playmobil Martin Luther for the 1st grader to play with while we read! 😀 )

September 1, 2017 at 4:41 am

Can’t wait to read When Lightning Struck! We so appreciate your quality products.

September 1, 2017 at 4:55 am

I’m so excited to read this! I’m looking at new class options to teach at my kids co-op, and a class on this book would be amazing!

September 1, 2017 at 4:56 am

I would love to use this as a read-aloud for my crew of four.

September 1, 2017 at 5:11 am

We love Luther too for speaking out when he saw something that wasn’t right.

September 1, 2017 at 5:41 am

Wwe are studying the Renaissance and Reformation this year in our homeschool and this would be perfect to go along with it! Thank you for sharing your passion for Christian history, Danika!

September 1, 2017 at 5:50 am

We just read about Martin Luther and his 95 theses in our Mystery of History lesson yesterday. This would be great to read for a more in depth study!

We studied Martin Luther last year in history, and I cannot believe I didn’t connect the timeline for myself! 500 years! That’s will be great to discuss this year on Halloween along with our sin/pumpkin carving.

September 1, 2017 at 6:04 am

I think my older two kids would love this – and honestly I would too 🙂

September 1, 2017 at 6:07 am

I have been planning to purchase your book to read next month with my boys. How fun it would be to win it & that delightful little toy!

September 1, 2017 at 6:22 am

We are celebrating this this year, and our year’s history studies revolve around this!

September 1, 2017 at 6:28 am

My lo is very little, but I’ve been contemplating purchasing this book for myself. I’d love to win and use them as she grows.

September 1, 2017 at 6:36 am

So great to be able to focus on this pivotal point in history!

September 1, 2017 at 6:40 am

we haven’t covered MLKJ yet and would love this resource in order to do so

September 1, 2017 at 7:25 am

I am excited to teach my kids more about the Reformation

September 1, 2017 at 7:27 am

I’m excited to share the details of the story and Luther’s passion for truth with my kids.

September 1, 2017 at 7:42 am

Last year was the first time we learned about Reformation day, and I’m excited to celebrate this year for the 500th anniversary!!

September 1, 2017 at 7:47 am

Thank you again Danika for a great giveaway and for all the wonderful resources that you have reviewed on church history. We have purchased many of them and have not been disappointed. It is a precious gift to learn church history alongside my children and be inspired by the saints who have gone before us. Blessings on you and your family.

September 1, 2017 at 8:47 am

This book looks great!

September 1, 2017 at 9:46 am

I love living history books, and church history is even more exciting! I don’t have teens yet, but I would love to start this as a read aloud.

September 1, 2017 at 9:52 am

We are just so excited to celebrate the anniversary of the reformation! Our church has been talking about it a lot, and I would love this resource to continue the conversation at home.

September 1, 2017 at 10:38 am

I’m so excited about this!!!! Church history is something that I didn’t study much of growing up but I have been now for a while. I want my kids to know the importance of the Reformation as well as the kids I teach at our Church. 500 years!!!!!

September 1, 2017 at 10:55 am

This book looks great! We want to read it up till October 31st and celebrate a real holiday

September 1, 2017 at 2:46 pm

We love Martin Luther and how he took a huge stand to defend our faith and tell the truth. We also love his hyms, writings, and commentaries. This looks like a great resource and great timing for the 500th anniversary!

September 1, 2017 at 6:24 pm

What an engaging resource

September 1, 2017 at 6:58 pm

This book sounds wonderful! Looking forward to reading it!

September 1, 2017 at 7:20 pm

Would be an awesome way to begin our school year!

September 1, 2017 at 7:40 pm

I like books about Martin Luther, so this would be great. Would love to have a Playmobil Luther as well.

September 1, 2017 at 8:46 pm

Playmobil is such a great way to help children bring learning to life and what better way to celebrate Oct 31st than learning about those who went before us. I hope we win!

September 1, 2017 at 9:33 pm

Martin Luther is someone that I want my family to know about and the changes that came about in part because he read his Bible. Someone will be blessed with this, so thank you for the give away.

September 1, 2017 at 10:58 pm

Looking forward to having a 500th anniversary party!!

September 3, 2017 at 11:52 am

I’m excited about this important anniversary. Thank you for the chance.

September 3, 2017 at 5:29 pm

Martin Luther is a really important person in church history so a good biography of him would be great.

September 3, 2017 at 10:09 pm

500 years! I didn’t even know that.

September 4, 2017 at 4:46 am

Looks like such a wonderful book in which we could learn a lot 🙂

September 4, 2017 at 5:08 am

I would love to read this book! I also want to use it to teach my kids how important it is to think for themselves and not simply accept what the leadership says.

September 4, 2017 at 5:36 am

I need all the help I can get when it comes to teaching History so this would be a great addition!

September 4, 2017 at 6:25 am

I have been hunting for reformation resources! We are planning a big party on Oct 31 to celebrate this historic event, and I need all the help/ideas I can get!

September 4, 2017 at 6:32 am

I enjoyed learning about Luther when I was a kid. I’m excited to teach my kids about him and all he did.

September 4, 2017 at 6:44 am

What an awesome read aloud to explain the Reformation. Thank you for the chance!

September 4, 2017 at 8:18 am

We love learning more about church history. Martin Luther’s life is very interesting. We love reading your book.

September 4, 2017 at 8:57 am

Good article above. I was always under the impression that Martin Luther wanted to break away from the catholic church and not that he wanted them to fix the problems and stay catholic. You truly do learn something new every day, thank you. Thanks for the chance at winning your book, it would make a great read aloud for anyone’s home.

September 4, 2017 at 9:05 am

Love to learn more about our Christian history and am very interested in learning the whole story behind Luther and the break from the Church— thank you for this opportunity!!

September 4, 2017 at 9:46 am

My middle baby is in love with learning things that happened before she was born so this is perfect for her. It’s hard to find anything engaging for her but history is a favorite of hers.

September 4, 2017 at 12:21 pm

I have been wanting to have a chance to read this book. I love hearing about Christian history.

September 4, 2017 at 1:24 pm

I am looking forward to this because I love any kind of history. This book “When Lightning Struck” is going to be interesting and educational to read. Thank you Danika for all these great and generous giveaways. Marion

September 4, 2017 at 2:06 pm

What a great time to learn about Martin Luther and celebrate the 500 year anniversary.

September 4, 2017 at 5:16 pm

Thank you for this giveaway and for the lesson. I had no idea about this at all.

September 5, 2017 at 4:34 am

This would be a great help. After reading, I feel like what we have studied of Martin Luther has only sratched the surface and we should study more for the coming days. We need to understand his prompting and timing for doing such as he did.

September 5, 2017 at 5:58 am

I want to teach my children about the reformation and about Martin Luther.

September 5, 2017 at 8:28 am

What a neat giveaway. My husband and I have been wishing each other a Happy Reformation Day on Halloween for years but I thought we were just odd! How fun that other people do it too! I love that there is a Playmobil Luther too! Thanks for this giveaway.

September 5, 2017 at 9:20 am

I would love to use your resource to teach my children about the reformation. Thank you for taking the time to write about Martin Luther to help us to better teach our children!

September 5, 2017 at 9:34 am

As a born, baptized, and confirmed Lutheran, there is still more that I can learn. I find that even as I get older, I want to get more and more information. My daughter is in the 7th grade at a Lutheran School, and I work part time at our church. I think this would be a great asset to her school and/or our church library. Thanks! 🙂

September 5, 2017 at 10:10 am

Books sounds engaging for a range of ages! Always in need of a book that all my children can learn from.

September 5, 2017 at 6:16 pm

Such an important figure in history! We’d love to read this!

September 5, 2017 at 8:00 pm

This looks like a great resource!

September 6, 2017 at 1:56 am

My 5 year old is in Classical Conversations and one of his favorite parts of his history timeline song is about the Protestant Reformation. It’s a bit odd to have a 5 year old who sings about Martin Luther in the grocery store, but I love it! LOL. This would be a great supplement as he gets older and a the play mobile is a fun way to strengthen his natural curiosity sparked by his timeline song!

September 6, 2017 at 4:26 am

Oh, I’d love to win this resource! It looks like a fun yet thorough way to introduce my kids to a major faith based historical event.

September 6, 2017 at 5:31 am

This would go well with our TOG studies 🙂

September 6, 2017 at 6:08 am

I would love to cover this with my daughters!

September 6, 2017 at 8:01 am

I have your book as an e-book (and thought it quite good when I read it last year — planning to reread it for the 500th anniversary again!) and would love a hard copy that I could share with friends! 🙂 And the playmobil figurine would be lots of fun for my daughter, who is also interested in history and has read several simpler books about Luther — and might be ready for yours, soon, too.

September 6, 2017 at 4:51 pm

I would love to use this information with my 3rd-6th grade Sunday School class.

September 6, 2017 at 4:56 pm

I’m excited that my library will be ordering this book. Looking forward to reading with my daughter!

September 7, 2017 at 7:53 am

Thank you for the fun giveaway!

September 7, 2017 at 1:46 pm

I am so excited for this giveaway.

September 8, 2017 at 5:17 am

This is perfect! We just started a study of Martin Luther yesterday.

September 8, 2017 at 5:18 am

My family and I love learning about history especially church history.

September 8, 2017 at 6:11 am

Great giveaway!

September 8, 2017 at 9:52 pm

I’m excited to know more about the life of Martin Luther!

September 9, 2017 at 10:38 am

Wonderful! I haven’t seen this before, but I am going to have to explore!

September 9, 2017 at 10:40 pm

This would be great for our lessons on Martin Luther! 🙂

September 10, 2017 at 2:53 pm

This is the History time period we are studying this year and wanted to dig into Martin Luther as our in depth person to study! Can’t wait to read this book and add to our lessons!

September 11, 2017 at 4:15 am

This looks amazing. I’d love to have my whole family listenas a read aloud to prepare for the 500th anniversary. And little ones would enjoy the Pplaymobil figure to go along with it.

September 11, 2017 at 4:16 am

I’m excited about When Lighting Strikes because I don’t know much about Martin Luther myself and would love to learn right along with my children!

September 11, 2017 at 4:30 am

Great idea! I’d love to give this to my 11 year old son to read. We are celebrating the 500 anniversary as a family – a great way to add to that celebration

September 11, 2017 at 6:14 am

We are new to your site, and I had not heard of the book: When Lightning Strikes! Kids are excited to hopefully win, so we can add that this year to our study. Thank you so much for the free Reformation materials too!!!

September 11, 2017 at 7:39 am

I would love to win this to use in my homeschool. I recommend your resources to others and love your website!

September 11, 2017 at 7:41 am

I have a great love for truth. This book looks intriguing!

September 11, 2017 at 7:44 am

Teaching history in storybook format is the best! And my son would love the little Martin Luther!!!

September 11, 2017 at 8:17 am

Great idea, thanks for sharing! I will probably get the book even if I don’t win

September 11, 2017 at 8:57 am

I thought I entered! I hope I win! My mom was raised Catholic and I was raised Lutheran. 🙂

September 11, 2017 at 2:21 pm

seriously Playmobil has a Martin Luther figure??? Wow!!! I meant I’d love to win it to give to you are faster who’s actually teaching a weekly course on Martin Luther up to the Reformation anniversary and we’d love to have this book as part of our Bible course for kids

September 12, 2017 at 1:13 pm

My Kids would love this book. We’ve been studying different missionaries and people in church history this year.

September 12, 2017 at 7:59 pm

It sounds really interesting and I don’t know much about the details of the story.

September 13, 2017 at 10:48 am

Great book! Read it with my daughter this summer. We both enjoyed it!

September 13, 2017 at 10:59 am

I don’t know much about the story, but we are always excited to learn new things and play with Playmobil!

September 13, 2017 at 11:20 am

September 13, 2017 at 1:17 pm

It seems like a nice book

September 13, 2017 at 1:37 pm

500 YEARS!!! We need to celebrate!!

September 13, 2017 at 3:33 pm

We have been studying about Martin Luther and the Reformation this year. So excited to find a new book.

September 13, 2017 at 4:00 pm

This looks amazing! What a fun way to learn.

September 14, 2017 at 4:27 am

I have eyed this resource for a long time and I know my children would love it!!

September 14, 2017 at 9:19 am

We study the Reformation this year! Would love this book!

September 14, 2017 at 8:24 pm

We can’t wait to read this book.

September 15, 2017 at 8:45 am

Can’t wait to read it with my grandkids.

September 15, 2017 at 8:46 am

Cant wait to read it.

September 15, 2017 at 8:42 pm

We are just coming to this time period in our studies!

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Martin Luther's 95 Theses

Here they are, all of the Martin Luther 95 theses, posted on the church door in  Wittenberg, Germany, October 31, 1517 .

(Or read a summary of the 95 theses .)

Jump to sections in the text...

Out of love for the truth and from desire to elucidate it, the Reverend Father Martin Luther, Master of Arts and Sacred Theology, and ordinary lecturer therein at Wittenberg, intends to defend the following statements and to dispute on them in that place. Therefore he asks that those who cannot be present and dispute with him orally shall do so in their absence by letter. In the name of our Lord Jesus Christ, Amen.

1. Our Lord and Master Jesus Christ, in saying, "Repent ye, etc.," intended that the whole life of his believers on earth should be a constant penance.

2. And the word "penance" neither can, nor may, be understood as referring to the Sacrament of Penance, that is, to confession and atonement as exercised under the priest's ministry.

3. Nevertheless He does not think of inward penance only: rather is inward penance worthless unless it produces various outward mortifications of the flesh.

4. Therefore mortification continues as long as hatred of oneself continues, that is to say, true inward penance lasts until entrance into the Kingdom of Heaven.

5. The Pope will not, and cannot, remit other punishments than those which he has imposed by his own decree or according to the canons.

6. The Pope can forgive sins only in the sense, that he declares and confirms what may be forgiven of God; or that he doth it in those cases which he hath reserved to himself; be this contemned, the sin remains unremitted.

7. God forgives none his sin without at the same time casting him penitent and humbled before the priest His vicar.

8. The canons concerning penance are imposed only on the living; they ought not by any means, following the same canons, to be imposed on the dying.

9. Therefore, the Holy Spirit, acting in the Pope, does well for us, when the latter in his decrees entirely removes the article of death and extreme necessity.

10. Those priests act unreasonably and ill who reserve for Purgatory the penance imposed on the dying.

11. This abuse of changing canonical penalty into the penalty of Purgatory seems to have arisen when the bishops were asleep.

12. In times of yore, canonical penalties were imposed, not after, but before, absolution, as tests of true repentance and affliction.

13. The dying pay all penalties by their death, are already dead to the canons, and rightly have exemption from them.

14. Imperfect spiritual health or love in the dying person necessarily brings with it great fear; and the less this love is, the greater the fear it brings.

15. This fear and horror - to say nothing of other things - are sufficient in themselves to produce the punishment of Purgatory, because they approximate to the horror of despair.

16. Hell, Purgatory, and Heaven seem to differ as perfect despair, imperfect despair, and security of salvation differ.

17. It seems as must in Purgatory love in the souls increase, as fear diminishes in them.

18. It does not seem to be proved either by arguments or by the Holy Writ that they are outside the state of merit and demerit, or increase of love.

19. This, too, seems not to be proved, that they are all sure and confident of their salvation, though we may be quite sure of it.

20. Therefore the Pope, in speaking of the perfect remission of all punishments, does not mean that all penalties in general be forgiven, but only those imposed by himself.

21. Therefore, those preachers of indulgences err who say that, by the Pope's indulgence, a man may be exempt from all punishments, and be saved.

22. Yea, the Pope remits the souls in Purgatory no penalty which they, according to the canons, would have had to pay in this life.

23. If to anybody complete remission of all penalties may be granted, it is certain that it is granted only to those most approaching perfection, that is, to very few.

24. Therefore the multitude is misled by the boastful promise of the paid penalty, whereby no manner of distinction is made.

25. The same power that the Pope has over Purgatory, such has also every bishop in his diocese, and every curate in his parish.

26. The Pope acts most rightly in granting remission to souls, not by the power of the keys - which in Purgatory he does not possess - but by way of intercession.

27. They preach vanity who say that the soul flies out of Purgatory as soon as the money thrown into the chest rattles.

28. What is sure, is, that as soon as the penny rattles in the chest, gain and avarice are on the way of increase; but the intercession of the church depends only on the will of God Himself.

29. And who knows, too, whether all those souls in Purgatory wish to be redeemed, as it is said to have happened with St. Severinus and St. Paschalis.

30. Nobody is sure of having repented sincerely enough; much less can he be sure of having received perfect remission of sins.

31. Seldom even as he who has sincere repentance, is he who really gains indulgence; that is to say, most seldom to be found.

32. On the way to eternal damnation are they and their teachers, who believe that they are sure of their salvation through indulgences.

33. Beware well of those who say, the Pope's pardons are that inestimable gift of God by which man is reconciled to God.

34. For the forgiveness contained in these pardons has reference only to the penalties of sacramental atonement which were appointed by men.

35. He preaches like a heathen who teaches that those who will deliver souls out of Purgatory or buy indulgences do not need repentance and contrition.

36. Every Christian who feels sincere repentance and woe on account of his sins, has perfect remission of pain and guilt even without letters of indulgence.

37. Every true Christian, be he still alive or already dead, partaketh in all benefits of Christ and of the Church given him by God, even without letters of indulgence.

38. Yet is the Pope's absolution and dispensation by no means to be contemned, since it is, as I have said, a declaration of the Divine Absolution.

39. It is exceedingly difficult, even for the most subtle theologists, to praise at the same time before the people the great wealth of indulgence and the truth of utter contrition.

40. True repentance and contrition seek and love punishment; while rich indulgence absolves from it, and causes men to hate it, or at least gives them occasion to do so.

41. The Pope's indulgence ought to be proclaimed with all precaution, lest the people should mistakenly believe it of more value than all other works of charity.

42. Christians should be taught, it is not the Pope's opinion that the buying of indulgence is in any way comparable to works of charity.

43. Christians should be taught, he who gives to the poor, or lends to a needy man, does better than buying indulgence.

44. For, by the exercise of charity, charity increases and man grows better, while by means of indulgence, he does not become better, but only freer from punishment.

45. Christians should be taught, he who sees his neighbor in distress, and, nevertheless, buys indulgence, is not partaking in the Pope's pardons, but in the anger of God.

46. Christians should be taught, unless they are rich enough, it is their duty to keep what is necessary for the use of their households, and by no means to throw it away on indulgences.

47. Christians should be taught, the buying of indulgences is optional and not commanded.

48. Christians should be taught, the Pope, in selling pardons, has more want and more desire of a devout prayer for himself than of the money.

49. Christians should be taught, the Pope's pardons are useful as far as one does not put confidence in them, but on the contrary most dangerous, if through them one loses the fear of God.

50. Christians should be taught, if the Pope knew the ways and doings of the preachers of indulgences, he would prefer that St. Peter's Minster should be burnt to ashes, rather than that it should be built up of the skin, flesh, and bones of his lambs.

51. Christians should be taught, the Pope, as it is his bounden duty to do, is indeed also willing to give of his own money - and should St. Peter's be sold thereto - to those from whom the preachers of indulgences do most extort money.

52. It is a vain and false thing to hope to be saved through indulgences, though the commissary - nay, the Pope himself - was to pledge his own soul therefore.

53. Those who, on account of a sermon concerning indulgences in one church, condemn the word of God to silence in the others, are enemies of Christ and of the Pope.

54. Wrong is done to the word of God if one in the same sermon spends as much or more time on indulgences as on the word of the Gospel.

55. The opinion of the Pope cannot be otherwise than this:- If an indulgence - which is the lowest thing - be celebrated with one bell, one procession and ceremonies, then the Gospel - which is the highest thing - must be celebrated with a hundred bells, a hundred processions, and a hundred ceremonies.

56. The treasures of the Church, whence the Pope grants his dispensation are neither sufficiently named nor known among the community of Christ.

57. It is manifest that they are not temporal treasures, for the latter are not lightly spent, but rather gathered by many of the preachers.

58. Nor are they the merits of Christ and of the saints, for these, without the Pope's aid, work always grace to the inner man, cross, death, and hell to the other man.

59. St. Lawrence called the poor of the community the treasures of the community and of the Church, but he understood the word according to the use in his time.

60. We affirm without pertness that the keys of the Church, bestowed through the merit of Christ, are this treasure.

61. For it is clear that the Pope's power is sufficient for the remission of penalties and forgiveness in the reserved cases.

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

63. This treasure, however, is deservedly most hateful, for it makes the first to be last.

64. While the treasure of indulgence is deservedly most agreeable, for it makes the last to be first.

65. Therefore, the treasures of the Gospel are nets, with which, in times of yore, one fished for the men of Mammon.

66. But the treasures of indulgence are nets, with which now-a-days one fishes for the Mammon of men.

67. Those indulgences, which the preachers proclaim to be great mercies, are indeed great mercies, forasmuch as they promote gain.

68. And yet they are of the smallest compared to the grace of God and to the devotion of the Cross.

69. Bishops and curates ought to mark with eyes and ears, that the commissaries of apostolical (that is, Popish) pardons are received with all reverence.

70. But they ought still more to mark with eyes and ears, that these commissaries do not preach their own fancies instead of what the Pope has commanded.

71. He who speaks against the truth of apostolical pardons, be anathema and cursed.

72. But blessed be he who is on his guard against the preacher's of pardons naughty and impudent words.

73. As the Pope justly disgraces and excommunicates those who use any kind of contrivance to do damage to the traffic in indulgences.

74. Much more it is his intention to disgrace and excommunicate those who, under the pretext of indulgences, use contrivance to do damage to holy love and truth.

75. To think that the Popish pardons have power to absolve a man even if - to utter an impossibility - he had violated the Mother of God, is madness.

76. We assert on the contrary that the Popish pardon cannot take away the least of daily sins, as regards the guilt of it.

77. To say that St. Peter, if he were now Pope, could show no greater mercies, is blasphemy against St. Peter and the Pope.

78. We assert on the contrary that both this and every other Pope has greater mercies to show: namely, the Gospel, spiritual powers, gifts of healing, etc. (1.Cor.XII).

79. He who says that the cross with the Pope's arms, solemnly set on high, has as much power as the Cross of Christ, blasphemes God.

80. Those bishops, curates, and theologists, who allow such speeches to be uttered among the people, will have one day to answer for it.

81. Such impudent sermons concerning indulgences make it difficult even for learned men to protect the Pope's honor and dignity against the calumnies, or at all events against the searching questions, of the laymen.

82. As for instance: - Why does not the Pope deliver all souls at the same time out of Purgatory for the sake of most holy love and on account of the bitterest distress of those souls - this being the most imperative of all motives, - while he saves an infinite number of souls for the sake of that most miserable thing money, to be spent on St. Peter's Minster: - this being the very slightest of motives?

83. Or again: - Why do masses for the dead continue, and why does not the Pope return or permit to be withdrawn the funds which were established for the sake of the dead, since it is now wrong to pray for those who are already saved?

84. Again: - What is this new holiness of God and the Pope that, for money's sake, they permit the wicked and the enemy of God to save a pious soul, faithful to God, and yet will not save that pious and beloved soul without payment, out of love, and on account of its great distress?

85. Again: - Why is it that the canons of penance, long abrogated and dead in themselves, because they are not used, are yet still paid for with money through the granting of pardons, as if they were still in force and alive?

86. Again: - Why does not the Pope build St. Peter's Minster with his own money - since his riches are now more ample than those of Crassus, - rather than with the money of poor Christians?

87. Again: -Why does the Pope remit or give to those who, through perfect penitence, have already a right to plenary remission and pardon?

88. Again: - What greater good could the Church receive, than if the Pope presented this remission and pardon a hundred times a day to every believer, instead of but once, as he does now?

89. If the Pope seeks by his pardon the salvation of souls, rather than money, why does he annul letters of indulgence granted long ago, and declare them out of force, though they are still in force?

90. To repress these very telling questions of the laymen by force, and not to solve them by telling the truth, is to expose the Church and the Pope to the enemy's ridicule and to make Christian people unhappy.

91. Therefore, if pardons were preached according to the Pope's intention and opinion, all these objections would be easily answered, nay, they never had occurred.

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

93. But blessed be all those prophets who say to the community of Christ, "The cross, the cross," and there is no cross.

94. Christians should be exhorted to endeavor to follow Christ their Head through Cross, Death, and Hell,

95. And thus hope with confidence to enter Heaven through many miseries, rather than in false security.

Read a summary of the 95 theses ; a listing of the three main points , in the words of Martin Luther.

More Martin Luther...

• The 95 Theses

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