As Christians seek to align their lives with the way of Jesus and reflect what He values, they often discover areas that could use some shifting…even in their financial world. They may begin to spend, save, and invest differently. In their desire to do everything by the book, questions often arise about taxes. Does financial integrity mean you have to go over and above? Should we pay more in taxes than the code actually requires? Absolutely not.
From both a legal and biblical standpoint, there’s nothing wrong with minimizing your tax burden through legitimate means like deductions, credits, or careful financial planning. In fact, it’s not only okay for Christians (or anyone, really) to pay only as much tax as is legally required, it’s actually considered wise. Here are three reasons why:
1. The Bible suggests obedience toward the government, not generosity.
Scripture encourages Christians to submit to governing authorities and pay their fair share of taxes, but it never demands they overpay or overextend themselves beyond what is required, or considered wise stewardship:
- Romans 13:6-7 — “This is also why you pay taxes, for the authorities are God’s servants… Give to everyone what you owe them: If you owe taxes, pay taxes…”
- Matthew 22:21 — Jesus said, “Give to Caesar what is Caesar’s, and to God what is God’s.”
While generosity is a feature that should mark the life of a Christian, Scripture primarily encourages gracious giving to the poor and those in need, not the government.
2. Paying the minimum is not a moral loophole.
John 14:6 reminds us that Jesus is the Truth, so striving to be truthful in our dealings reflects His nature and character. Christians may worry whether paying as little tax as legally possible borders on dishonesty. The good news is that many Christian financial advisors actually recommend this approach to their clients, as a wise and creative way to manage the finances God has entrusted to them. These experts can help you strategically:
- Use legal deductions
- Structure income wisely
- Claim the tax credits you’re entitled to
- Plan ahead to save on taxes
This approach is not about pushing the bounds of what is morally acceptable, but exploring the vast options available to help you fulfill your obligations of what is required while maintaining full integrity.
3. Like everything, it all comes down to the posture of your heart.
While Scripture encourages Christians to fulfill the letter of the law, it does not diminish how much God really cares about the status of our hearts and what motivates us. 1 Samuel 16:7 says God looks at the heart, not just outward appearances. It’s our inner condition that truly matters to Him.
If someone searches for loopholes to avoid taxes through dishonest means (like cheating, lying, or hiding income), that is a moral and spiritual issue. But if our actions are done with integrity, in accordance with the law, they align with both Christian and civic responsibilities… and honor God.
So yes—pay what you owe, but not more than you owe. Just be honest, legal, and ethical about it.
Your Next Steps
We hope this piece has provided some clarity and freedom around what is permissible and required for Christians when it comes to fulfilling the tax code. We want you to feel confident in your full financial picture and are here to help however we can. We’ve designed a full suite of resources, courses, and ongoing events to help you learn, grow in stewardship, and create a God-honoring financial plan. Take a look at our upcoming events and make a plan to join us.
The mission of Cornerstone Financial Advisory is to be an engine of blessing to our clients, families, and community. Our method of accomplishing our mission is by practicing servant leadership.
We will serve and create compelling value for our clients by leading and inspiring clients to reach their goals. With their permission, we will hold clients accountable on keeping their best intentions. We, in turn, translate our client’s needs, goals, and values into a strategy, helping align their actions with their values.
