You Don’t Have to Pay – September 18, 2026
Read: Matthew 18:21-35
The kingdom of heaven is like a king who wanted to settle accounts with his servants. A man who owed him ten thousand bags of gold was brought to him. The servant fell on his knees before him. ‘Be patient with me,’ he begged, ‘and I will pay back everything.’ The servant’s master took pity on him, canceled the debt and let him go. Matthew 18:21-35 (selected verses)
You Don’t Have to Pay
In the name of the Father and of the Son and of the Holy Spirit. Amen.
Andy wasn’t trying to break the window. Every day, he walked by the old warehouse. Beneath its tall windows were wide brick ledges. Andy and his friends often tossed stones toward the ledges to see if they could land them there.
One day, Andy threw a little too hard. The stone crashed through a window. A security guard ran out and grabbed Andy by the arm. “You are going to have to pay for that,” he said.
Andy arrived home in tears. He told his dad what had happened. The new window would cost $500, but Andy only had $10 in his piggy bank.
Andy and his father went to talk to the building owner. Andy quietly held out his ten-dollar bill. “I promise I will pay you the rest one day,” he said, looking at the ground. The owner looked at the sad little boy holding the money up to him. “Keep your money,” he said. “You don’t have to pay. Just please don’t throw any more rocks at my windows.” It would have taken Andy years to pay that debt. Can you imagine how relieved he must have felt when the owner canceled it?!
That’s how the servant in Jesus’ story must have felt—relieved, excited, thankful. He owed the king more than he could ever repay. Sadly, after the king canceled his enormous debt, the servant refused to forgive another servant’s much smaller debt.
The king in Jesus’ story helps us understand God. We are like the servant with the enormous debt—ten thousand bags of gold. We have sinned against God in more ways than we can count—in what we think, say, and do. Our debt of sin is something we could never pay.
But God did not simply pretend that our debt did not exist. Jesus paid it completely by suffering our punishment on the cross. Because Jesus paid everything, God tells us, “You don’t have to pay.” God forgives us like the king in the story and like the owner who didn’t make Andy pay for the window. But he did ask Andy to stop throwing rocks—it was the right thing for Andy to do.
God’s forgiveness changes how we treat people who sin against us. So be relieved. Be excited. Be thankful. Then share with others the mercy God has shown you.
Prayer:
Dear Jesus, thank you for paying the debt I owe for all my sins. Help me to forgive others as you have forgiven me. Amen.
The questions below are to help families discuss this devotion. The questions are divided by age group as suggestions, but anyone could reflect on any of the questions as they desire.
Questions for Younger Children
- Could the servant ever pay back everything he owed?
- What did the king do with the servant’s debt?
Questions for Elementary Age Children
- How would you feel if someone canceled a debt you could never pay?
- What does Jesus say to us because he paid for all our sins?
Questions for Middle School and Above
- Why can God’s forgiveness begin to feel ordinary, even though our debt was enormous?
- How should remembering the debt Jesus paid change the way you respond when someone sins against you?


