Romans 4:3-6

4:3 For what does the scripture say? “Abraham believed God, and it was credited ¹  to him as righteousness.” ²  4:4 Now to the one who works, his pay is not credited due to grace but due to obligation. ³  4:5 But to the one who does not work, but believes in the one who declares the ungodly righteous, ⁴  his faith is credited as righteousness.

4:6 So even David himself speaks regarding the blessedness of the man to whom God credits righteousness apart from works:

[4:3]  ¹ tn The term λογίζομαι (logizomai) occurs 11 times in this chapter (vv. 3, 4, 5, 6, 8, 9, 10, 11, 22, 23, 24). In secular usage it could (a) refer to deliberations of some sort, or (b) in commercial dealings (as virtually a technical term) to “reckoning” or “charging up a debt.” See H. W. Heidland, TDNT 4:284, 290-92.

[4:3]  ² sn A quotation from Gen 15:6.

[4:4]  ³ tn Grk “not according to grace but according to obligation.”

[4:5]  ⁴ tn Or “who justifies the ungodly.”