The Ninety-five Theses or Disputation on the Power and Efficacy of Indulgences is a list of propositions for an academic disputation written in 1517 by Martin Luther, then a professor of moral theology at the University of Wittenberg, Germany.

The Theses are retrospectively considered to have launched the Protestant Reformation and the birth of Protestantism, despite various proto-Protestant groups having existed previously. It detailed Luther’s opposition to what he saw as the Roman Catholic Church’s abuse and corruption by Catholic clergy, who were selling plenary indulgences, which were certificates supposed to reduce the temporal punishment in purgatory for sins committed by the purchasers or their loved ones.

In the Theses, Luther claimed that the repentance required by Christ in order for sins to be forgiven involves inner spiritual repentance rather than merely external sacramental confession. He argued that indulgences led Christians to avoid true repentance and sorrow for sin, believing that they could forgo it by obtaining an indulgence.

These indulgences, according to Luther, discouraged Christians from giving to the poor and performing other acts of mercy, which he attributed to a belief that indulgence certificates were more spiritually valuable. Though Luther claimed that his positions on indulgences accorded with those of Pope Leo X, the Theses challenge a 14th-century papal bull stating that the pope could use the treasury of merit and the good deeds of past saints to forgive temporal punishment for sins. The Theses are framed as propositions to be argued in debate rather than necessarily representing Luther’s opinions, but Luther later clarified his views in the Explanations of the Disputation Concerning the Value of Indulgences.

Luther sent the Theses enclosed with a letter to Albert of Brandenburg, Archbishop of Mainz, on 31 October 1517, a date now considered the start of the Reformation and commemorated annually as Reformation Day. Luther may have also posted the Ninety-five Theses on the door of All Saints’ Church and other churches in Wittenberg, in accordance with University custom, at some point between 31 October and mid-November.

The Theses were quickly reprinted and translated, and distributed throughout Germany and Europe. They initiated a pamphlet war with the indulgence preacher Johann Tetzel, which spread Luther’s fame even further. Luther’s ecclesiastical superiors had him tried for heresy, which culminated in his excommunication in 1521. Though the Theses were the start of the Reformation, Luther did not consider indulgences to be as important as other theological matters which would divide the church, such as justification by faith alone and the bondage of the will. His breakthrough on these issues would come later, and he did not see the writing of the Theses as the point at which his beliefs diverged from those of the Roman Catholic Church.

Background

Martin Luther, professor of moral theology at the University of Wittenberg and town preacher, wrote the Ninety-five Theses against the contemporary practice of the church with respect to indulgences. In the Roman Catholic Church, which was practically the only Christian church in Western Europe at the time, indulgences were part of the economy of salvation. In this system, when Christians sin and confess, they are forgiven and no longer stand to receive eternal punishment in hell, but may still be liable to temporal punishment.

This punishment could be satisfied by the penitent’s performing works of mercy. If the temporal punishment is not satisfied during life, it needs to be satisfied in Purgatory, a place believed by Catholics to exist between Heaven and Hell. By indulgence (which may be understood in the sense of “kindness”), this temporal punishment could be lessened. Under abuses of the system of indulgences, clergy benefited by selling indulgences and the pope gave official sanction in exchange for a fee.

Popes are empowered to grant plenary indulgences, which provide complete satisfaction for any remaining temporal punishment due to sins, and these were purchased on behalf of people believed to be in purgatory. This led to the popular saying, “As soon as the coin in the coffer rings, the soul from purgatory springs”. Theologians at the University of Paris criticized this saying late in the 15th century.

Earlier critics of indulgences included John Wycliffe, who denied that the pope had jurisdiction over Purgatory. Jan Hus and his followers had advocated a more severe system of penance, in which indulgences were not available. Johannes von Wesel had also attacked indulgences late in the 15th century. Political rulers had an interest in controlling indulgences because local economies suffered when the money for indulgences left a given territory. Rulers often sought to receive a portion of the proceeds or prohibited indulgences altogether, as Duke George did in Luther’s Electoral Saxony.

In 1515, Pope Leo X granted a plenary indulgence intended to finance the construction of St. Peter’s Basilica in Roma. It would apply to almost any sin, including adultery and theft. All other indulgence preaching was to cease for the eight years in which it was offered. Indulgence preachers were given strict instructions on how the indulgence was to be preached, and they were much more laudatory of the indulgence than those of earlier indulgences. Johann Tetzel was commissioned to preach and offer the indulgence in 1517, and his campaign in cities near Wittenberg drew many Wittenbergers to travel to these cities and purchase them, since sales had been prohibited in Wittenberg and other Saxon cities.

Luther also had a rather negative experience and idea with the indulgences connected to All Saints’ Church, Wittenberg. By venerating the large collection of relics at the church, one could receive an indulgence. He had preached as early as 1514 against the abuse of indulgences and the way they cheapened grace rather than requiring true repentance. Luther became especially concerned in 1517 when his parishioners, returning from purchasing Tetzel’s indulgences, claimed that they no longer needed to repent and change their lives in order to be forgiven of sin.

After hearing what Tetzel had said about indulgences in his sermons, Luther began to study the issue more carefully, and contacted experts on the subject. He preached about indulgences several times in 1517, explaining that true repentance was better than purchasing an indulgence. He taught that receiving an indulgence presupposed that the penitent had confessed and repented, otherwise it was worthless.

A truly repentant sinner would also not seek an indulgence, because they loved God’s righteousness and desired the inward punishment of their sin. These sermons seem to have ceased from April to October 1517, presumably while Luther was writing the Ninety-five Theses. He composed a Treatise on Indulgences, apparently in early autumn 1517. It is a cautious and searching examination of the subject. He contacted church leaders on the subject by letter, including his superior Hieronymus Schulz, Bishop of Brandenburg, sometime on or before 31 October, when he sent the Theses to Archbishop Albert of Brandenburg.

Content

The first thesis states, “When our Lord and Master Jesus Christ said, ‘Repent,’ he willed the entire life of believers to be one of repentance.” In the first few theses Luther develops the idea of repentance as the Christian’s inner struggle with sin rather than the external system of sacramental confession. Theses 5–7 then state that the pope who Luther called the Vicar of Christ on earth can only release people from the punishments he has administered himself or through the church’s system of penance, not the guilt of sin.

The pope can only announce God’s forgiveness of the guilt of sin in his name. In theses 14–29, Luther challenged common beliefs about purgatory. Theses 14–16 discuss the idea that the punishment of purgatory can be likened to the fear and despair felt by dying people. In theses 17–24 he asserts that nothing can be definitively said about the spiritual state of people in purgatory. He denies that the pope has any power over people in purgatory in theses 25 and 26. In theses 27–29, he attacks the idea that as soon as payment is made, the payer’s loved one is released from purgatory. He sees it as encouraging sinful greed, and says it is impossible to be certain because only God has ultimate power in forgiving punishments in purgatory.

A giant scale holds the pope with a certificate bearing the papal seal and another man on one side being outweighed on the other side by a bearded figure handing another certificate to kneeling figures. Animal figures are receiving the pope’s certificates.

Theses 30–34 deal with the false certainty Luther believed the indulgence preachers offered Christians. Since no one knows whether a person is truly repentant, a letter assuring a person of his forgiveness is dangerous. In theses 35 and 36, he attacks the idea that an indulgence makes repentance unnecessary. This leads to the conclusion that the truly repentant person, who alone may benefit from the indulgence, has already received the only benefit the indulgence provides.

Truly repentant Christians have already, according to Luther, been forgiven of the penalty as well as the guilt of sin. In thesis 37, he states that indulgences are not necessary for Christians to receive all the benefits provided by Christ. Theses 39 and 40 argue that indulgences make true repentance more difficult. True repentance desires God’s punishment of sin, but indulgences teach one to avoid punishment, since that is the purpose of purchasing the indulgence.

In theses 41–47 Luther criticizes indulgences on the basis that they discourage works of mercy by those who purchase them. Here he begins to use the phrase, “Christians are to be taught…” to state how he thinks people should be instructed on the value of indulgences. They should be taught that giving to the poor is incomparably more important than buying indulgences, that buying an indulgence rather than giving to the poor invites