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The Parable of the Talents: “We are NOT saved by works, BUT we are saved to do works”

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Three Characteristics of Salvation, Part 2: Good Works

Be not deceived; God is not mocked: for whatsoever a man soweth, that shall he also reap. For he that soweth to his flesh shall of the flesh reap corruption; but he that soweth to the Spirit shall of the Spirit reap life everlasting. (Galatians 6:7-8)

14For the kingdom of heaven is as a man travelling into a far country, who called his own servants, and delivered unto them his goods. 15And unto one he gave five talents, to another two, and to another one; to every man according to his several ability; and straightway took his journey. 16Then he that had received the five talents went and traded with the same, and made them other five talents. 17And likewise he that had received two, he also gained other two. 18But he that had received one went and digged in the earth, and hid his lord’s money.

19After a long time the lord of those servants cometh, and reckoneth with them. 20And so he that had received five talents came and brought other five talents, saying, Lord, thou deliveredst unto me five talents: behold, I have gained beside them five talents more. 21His lord said unto him, Well done, thou good and faithful servant: thou hast been faithful over a few things, I will make thee ruler over many things: enter thou into the joy of thy lord. 22He also that had received two talents came and said, Lord, thou deliveredst unto me two talents: behold, I have gained two other talents beside them. 23His lord said unto him, Well done, good and faithful servant; thou hast been faithful over a few things, I will make thee ruler over many things: enter thou into the joy of thy lord.

24Then he which had received the one talent came and said, Lord, I knew thee that thou art an hard man, reaping where thou hast not sown, and gathering where thou hast not strawed: 25And I was afraid, and went and hid thy talent in the earth: lo, there thou hast that is thine. 26His lord answered and said unto him, Thou wicked and slothful servant, thou knewest that I reap where I sowed not, and gather where I have not strawed: 27Thou oughtest therefore to have put my money to the exchangers, and then at my coming I should have received mine own with usury. 28Take therefore the talent from him, and give it unto him which hath ten talents. 29For unto every one that hath shall be given, and he shall have abundance: but from him that hath not shall be taken away even that which he hath. 30And cast ye the unprofitable servant into outer darkness: there shall be weeping and gnashing of teeth. ~ Matthew 25:14-30


  1. God Gives Gifts According to Ability
  2. Work With What-Is NOT With Wish-es
  3. Work is the product of Faith enlivened by Righteousness
  4. The Saved are the Workers & the Workers are the Saved


This is the second of three parables on various aspects of salvation that Jesus gives in Matthew 25. In this famous Parable, a king leaves money with three servants while he goes on a trip. When he returns, two of his servants have increased the money they were responsible for. The third gave the king no increase because he had simply hid the money. Jesus uses this parable to show that work is the tangible evidence of salvation and that righteousness empowers faith to produce work.
As the king leaves to go on his trip, Jesus notes, vs. 15, that the servants were given responsibility according to their ability. This point is key because it shows that: (1) The Christian life is not a “free lunch” and (2) God has a job for everyone perfectly tailored to each person’s ability. This is a clear principle in Scripture:

For by grace are ye saved through faith; and that not of yourselves: it is the gift of God: Not of works, lest any man should boast. For we are his workmanship, created in Christ Jesus unto good works, which God hath before ordained that we should walk in them. ~ Ephesians 2:8-10

And he gave some, apostles; and some, prophets; and some, evangelists; and some, pastors and teachers; For the perfecting of the saints, for the work of the ministry, for the edifying of the body of Christ: ~ Ephesians 4:11-12

We are NOT saved by works, BUT we are saved (by grace through faith) to do WORK.

Furthermore, since each servant was given responsibility according to his/her ability, Jesus also removes the doubt as to whether they could manage their tasks or not. So, the only issue remaining is willingness. Since their ability to do the job was no longer in doubt, the rest of the parable focuses on their willingness to do the job. The application to our lives is straightforward: Jesus has a job for each of us to do; a job that perfectly matches our abilities. So the question is never, “CAN I do the work?”, instead it is “WILL I do the work?”.

For we are his workmanship, created in Christ Jesus unto good works, which God hath before ordained that we should walk in them. ~Eph. 2:10

Two of the three servants went to work, increasing the value of resources their master left with them, v. 16, 17. They worked with what they had available. There is no mention of whether the resources in their control were suitable or sufficient; no quarrelling that one had more or that one had less. No complaints are noted as to whether the circumstances for work were ideal or not. They simply went to work. Likewise, God has invested talents, skills, gifts in each Christian and He expects us to get to work, WITHOUT COMPLAINT; maximizing His investment (in us) for His glory.

For other foundation can no man lay than that is laid, which is Jesus Christ. Now if any man build upon this foundation gold, silver, precious stones, wood, hay, stubble; Every man’s work shall be made manifest: for the day shall declare it, because it shall be revealed by fire; and the fire shall try every man’s work of what sort it is. If any man’s work abide which he hath built thereupon, he shall receive a reward. ~1 Corinthians 3:11-14

In contrast, the 3rd servant did not go to work. Instead, he hid the resources till his master returned. He reasoned that his actions were justifiable because his master was “hard man, reaping where thou hast not sown, and gathering where thou hast not strawed”, v. 24. The king, however, exposed the error of the 3rd servant’s argument, by noting that it implied the servant should have increased the king’s wealth instead of maintaining the status quo, v. 27. This exchange is really the crux of the parable. It reveals that the 3rd servant failed to work for three reasons: (a) He saw the king as “hard”/mean; (b) He saw the king as unfair and (c) He saw himself as king.

First, the 3rd servant saw the king as “hard”, v. 24. In his view the king wouldn’t tolerate mistakes; any loss on the investment would be penalized. Many of us likewise see God as a harsh taskmaster who punishes every mistake. When we see God that way it makes us risk averse, like the 3rd servant, because we don’t want to “mess up” and “get in trouble” for a misstep. In so doing, however, our world narrows and opportunities to serve God pass us by. In that mindset, danger lies everywhere, waiting to jump out on us, so “don’t do this, don’t do that, don’t go there, don’t try that, JUST DON’T…! The hidden assumption is that somehow God isn’t available to protect His children (so they better protect themselves). Or, that everything that goes wrong in a Christian’s life is a punishment, so the only way to survive is to play it safe. But this is not true; God loves us and He is merciful:

The LORD is gracious, and full of compassion; slow to anger, and of great mercy. ~Psalm 145:8

Also, things sometimes happen (Job 1-2) that we might never understand in this life, but God is still on our side.

Fear not: for I have redeemed thee, I have called thee by thy name; thou art mine. When thou passest through the waters, I will be with thee; and through the rivers, they shall not overflow thee: when thou walkest through the fire, thou shalt not be burned; neither shall the flame kindle upon thee. ~ Isaiah 43:1b-2

I must work the works of him that sent me, while it is day: the night cometh, when no man can work… ~John 9:4

Second, the 3rd servant also saw the king as “reaping where thou hast not sown, and gathering where thou hast not strawed”, v. 24. In other words, he saw the king as unfair. The idea here is that the king did not give his servants what they deserved; they did not benefit from their labor. Many of us often see God the same way: “God does not give me what I deserve”, “God is not fair”. Often we view ourselves as “working hard” for God, but not being rewarded by Him. “I did everything right, so why don’t I have a husband?” “I played by the rules, so why am I still struggling financially?” “I worship faithfully, so why is my child sick?” In fact, Asaph, the psalmist, expressed similar feelings

But as for me, my feet were almost gone; my steps had well nigh slipped.
For I was envious at the foolish, when I saw the prosperity of the wicked.
They are not in trouble as other men; neither are they plagued like other men.
…they have more than heart could wish.
Behold, these are the ungodly, who prosper in the world; they increase in riches.
Verily I have cleansed my heart in vain
When I thought to know this, it was too painful for me…~Psalm 73:2-3, 5-7b, 12-13a, 16

But, through prayer, he eventually realized that God is to be trusted because He is LORD.

My flesh and my heart faileth: but God is the strength of my heart, and my portion for ever.
For, lo, they that are far from thee shall perish…
But it is good for me to draw near to God: I have put my trust in the Lord GOD, that I may declare all thy works. ~Psalm 73: 26-28

Also, Isaiah reminds us:

For as the heavens are higher than the earth, so are my ways higher than your ways, and my thoughts than your thoughts. ~Isaiah 55:9

There was still another problem for the 3rd servant. Servants in Jesus’ day did not own anything. Any increase that came as a result of their labor belonged to their master who would decide how to reward them, if they even rewarded them at all. It seems that framework was unbearable for the 3rd servant. What was in it for him? No matter how hard he worked or how successful he was, the rewards belonged to his master. He could only secure his “just” reward if he was king. The same is true for with God: it ALL belongs to Him:

The earth is the LORD’s, and the fulness thereof; the world, and they that dwell therein. ~ Psalm 24:1

And He alone decides what to do with it. When we focus on ourselves, instead of God, life will always seem unfair. Freedom comes when we can accept that we are not kings; we are servants of a Master who truly loves us. Only then will we be able to freely…

…Present our bodies a living sacrifice, holy, acceptable unto God, which is our reasonable service. ~ Romans 12:1

Freely ye have received…

The 3rd servant’s mindset was a result of him not having a right relationship with the king. And the absence of that right relationship prevented him from doing his job; from giving his all. In contrast, it is evident that the first two servants had a right relationship with the king. Though they might also have had reservations/doubts about the king, their relationship with him convinced them that service was more important than self-preservation: it was more important to risk it all trying to serve their master than to play it safe. Their relationship with the king convinced them that, ultimately, the king could be trusted: he would reward them. As Scripture tells us:

…Without faith it is impossible to please him: for he that cometh to God must believe that He is, and that He is a rewarder of them that diligently seek him. ~ Hebrews 11:6

…freely give. (Matthew 10:8)

Salvation, by definition, brings us into a right relationship with God (Ephesians 2:13-16). The evidence of Salvation lies in our response to God. If we are saved, then we are saved “unto good works” (Ephesians 2:10). And not just any works, but those “which God hath before ordained that we should walk in them”. This parable shows us that a right relationship with God (a.k.a., righteousness) allows our faith to be transformed into work. That relationship is possible when we believe God exists AND that He, justly, will reward us for serving Him, even if we make mistakes. A wrong relationship with God is defined by self-preservation rather than self-sacrifice; distrust rather than dependence; self-focus rather than God-focus, and so it produces no “good work”.

Finally, Jesus reveals an awesome truth in the parable: The Saved are the Workers & the Workers are the Saved. The 3rd servant is cast into “outer darkness”, which is a plain reference to Hell. He was not saved! The application is that the saved were those who worked (the first two servants in the parable), v. 21, 23; the servant who did no work was not saved. Clearly, Salvation is NOT by works (Ephesians 2:9). But equally true, “works” testify that salvation HAS taken place, or as James explains “Faith without works is dead” (James 2:26). The one who is truly Saved will WORK!


  • Will God really take care of you?
  • Are “good works” evident in your life?
  • Are you maximizing God’s investment in you?
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  1. I love the way you explained the parable of the talents, I don’t think I’ve ever heard it put that way and it really was a learning experience for me. Thank you,


    • Thanks for your comment Joyce, it is very encouraging. Anything good that you find here is through the Mercy and Grace of God. Please keep this blog in your prayers.

      God bless.

  2. This is just great, Posts like this really encourage me, it’s never and will never be about how much I work. I am saved through faith and the evidence of that salvation is the works that I do, because we are saved unto good works. These good works are my evidence to the world that He who bore my sins, lives in me. God bless you for allowing me see this in a new dimension

    • Thanks for the encouraging words my friend (Isabella?). And may God continue to bless the work you are doing with your blog. Please, please keep us in your prayers.

  3. I love this part the most “God Gives Gifts According to Ability”. I’ve heard this parable many times in my life, but only started to pay attention to it more carefully over the last few years. I pray that I am using the gifts that God gave me.

    • Hi Eleana;

      Thanks for dropping by. Hope you’ll be able to find something useful whenever you drop by again.

      Please keep us in your prayers.

      God Bless.

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  9. noobs says

    Thankyou. I hate works-based salvation, and it the parable appears on face value to expound such, but you have reconciled it well with salvation by faith and God’s Grace. I don’t think I could be a Christian if I had to maintain my salvation with good works.

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  12. Man this is so good! Please keep doing what you are doing! I’m doing a study on this parable to share with a small group, and your commentary was so helpful. Thank you Holy Spirit! 🙂

    • THANKS for the encouragement Anthony!!! Please keep us in your prayers: we need God guidance and grace.

      Praying that your small group Bible study goes well. If you are able, please let us know how it went.

      May God continue to bless you, Anthony.

  13. Nomad says

    The problem though it isn’t saying you are saved to do good works in the parable. The talents weren’t a gift given, they were worn given to the servants. So it may sound nice saying we aren’t saved by works but to do good works. But clearly in the parable he lost his place as a servant for not obeying and doing work. Salvation is either a free gift or it isn’t. Works and faith isn’t free so maybe we just misunderstand the meaning of the parable.

  14. Kevin Cesaratto says

    Idk the man’s/woman’s name who God used to write this but I thank God he used you to put this message out. I will be referencing it in a YouTube video on the parable of the servant.
    Thank you Jesus for your Holy Spirit!

  15. Tommy says

    This does not make sense! What about the thief on the cross? Wich works did he have? Will he be cast into outer darkness?

    John 6:29
    Jesus answered and said unto them, This is the work of God, that ye believe on him whom he hath sent.

    This makes sense, the 3rd servant lost faith after he believed. At the judgment, the other servant were called good (because of good works) and faithfull (because of faith). The Lord promised eternal life to everyone that believes in him, he cannot lie. He was not pleased witth th 3rd servant. But notice how he told the disiples ,,CAST YE”.

    Matthew 25:30
    “And cast ye the unprofitable servant into outer darkness: there shall be weeping and gnashing of teeth.”

    God cannot deny himself, the umprofitable servant was the wise man that build his house (salvation) upon a rock (Jesus). Jesus would rather that the disciples put the unprofitable servant to death, that is why he said ,,YE” talking to the disciples. Death (outer darkness).

    • How then do you account for James 2?

      Also, because some persons were, by circumstance, unable to demonstrate their faith through their work does not violate the principle.

      Thanks for sharing your thoughts.

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