Understanding the Treasury of Merit

The treasury of merit is a central doctrine in Catholic theology which suggests that the excess merits of Jesus, the Virgin Mary, and the saints can contribute to the salvation of the faithful. This concept may sound alien to Protestants, who typically believe individuals cannot earn salvation and that it is solely through Christ's merit. While many Catholics may not fully grasp the implications of the treasury of merit, understanding it can clarify other doctrines such as purgatory and indulgences. Disagreement exists between Catholics and Protestants about whether this doctrine supports a works-based salvation, with many Protestants viewing it as unbiblical.