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But to him who doesn’t work, but believes in him who justifies the ungodly, his faith is accounted for righteousness. Even as David also pronounces blessing on the man to whom God counts righteousness apart from works,

“Blessed are they whose iniquities are forgiven,
    whose sins are covered.
Blessed is the man whom the Lord will by no means charge with sin.” Psalm 32:1-2

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But to one who does not work but trusts him who justifies the ungodly, such faith is reckoned as righteousness. So also David pronounces a blessing on those to whom God reckons righteousness apart from works:

“Blessed are those whose iniquities are forgiven
    and whose sins are covered;(A)
blessed is the one against whom the Lord will not reckon sin.”

Read full chapter