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Is It Okay to Give My Time Instead of My Money?

Let’s set the scene: You attend church, read your Bible, try your best to follow Jesus, and even tithe regularly. But money’s been tight. Maybe you’re throwing every dime you earn at debt. Or you’re in the middle of a difficult work season, and there just isn’t any extra cash flow.

So, you start to wonder if tithing—giving back 10% of your monthly income to your local church—is really necessary. You don’t have a ton of money, but you do have time! Would it be okay to replace the tithe with service to your church instead?

It’s a great question. But it’s actually the wrong question to be asking.

The Question Behind the Question

The right question is: Can you give your time in addition to your tithe? Yes, and you should! Giving your time is a great way to honor God and show love to others. But you can’t give your time instead of your tithe.

See, the Bible offers no alternatives to giving a tithe, so that means our time isn’t a good substitute. What the Bible does encourage is doing both—especially if you don’t have the cash to give above and beyond the tithe.


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Tithing is really a baseline for giving each month. The Bible actually encourages us to give generously far beyond the tithe. But that’s not possible for a lot of people when they’re digging out of debt or going through a rough financial season. In this case (and really, in any case), giving your time is an excellent way to give a little extra. At the end of the day, though, serving doesn’t replace the tithe.

Two Different Forms of Worship

Tithing is a form of worship because it shows God you trust Him—not money—to provide. Matthew 6:24 (ESV) reminds us we can’t worship God and money at the same time: “No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.”

On the other hand, when you serve, you worship God by stewarding your time and your talents for Him. And Matthew 25:40 tells us that whatever we do to serve others in need, we do for Him. Serving is an awesome form of generosity!

So, yes, He wants you to serve and give of your time. But He also wants you to put your faith in Him instead of money—especially since He gives us 100% of His money while only asking us to give 10% of it back.

Now, tithing isn’t a salvation issue, and God isn’t going to condemn you if you don’t do it. But tithing is for your benefit. God doesn’t need your money. He wants your heart. Tithing is a way to give your heart over to God because you’re reminding yourself that your security lies in Christ alone. When you stop tithing, are you standing on this truth?

What to Do If Tithing Feels Tough

So, what do you do if money is tight and you’re tempted to stop tithing? Look for ways to increase your income or decrease your expenses so giving doesn’t feel as difficult. Maybe that means downsizing or cutting an expense that’s more of a luxury than a necessity. Whatever you do, though, just keep tithing. Remember: When managing your money, always give first, save second, and spend third.

Giving your money will help you learn to trust that living this life God’s way with 90% of your money is greater than living your way with 100% of your money. His way is always better! And Luke 16:10 (NIV) tells us He honors that choice: “Whoever can be trusted with very little can also be trusted with much.”

God wants us to experience that truth firsthand, giving Him the opportunity to show off in our lives when we honor Him. And not only that, He wants our relationship with Him to grow more than we ever thought possible. All of that can happen through tithing!

Healthy families = healthy churches. When your church family is less stressed about money, your whole church improves. Learn how Ramsey+ for Churches can give your members the biblical lessons and practical financial tools they need to live and give like no one else.

Ramsey Solutions

About the author

Ramsey Solutions

Ramsey Solutions has been committed to helping people regain control of their money, build wealth, grow their leadership skills, and enhance their lives through personal development since 1992. Millions of people have used our financial advice through 22 books (including 12 national bestsellers) published by Ramsey Press, as well as two syndicated radio shows and 10 podcasts, which have over 17 million weekly listeners.

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