How Much Should You Tithe Each Month?

Tithing is a practice of financial giving, involving contributing a portion of one’s income to a religious or charitable organization. This article explores the foundational concepts of tithing and provides strategies for consistent monthly contributions.

The Foundation of Tithing

The concept of tithing is rooted in ancient traditions, often involving the dedication of a tenth of one’s produce or income. Historically, this practice signified a recognition of a higher power’s provision and a commitment to support religious institutions. The term “tithe” itself derives from Old English, meaning “tenth.”

Across various faiths, giving ten percent of one’s income has been a widely accepted guideline for tithing. While many religious texts and traditions reference this specific percentage, its interpretation and application can vary among individuals and denominations. This established guideline provides a framework for personal financial decisions.

Determining Your Tithable Income

A common question in tithing involves whether to calculate the amount based on gross income or net income. Gross income represents earnings before any deductions, such as taxes, social security, or pre-tax contributions. Net income is the amount received after these deductions, often referred to as take-home pay. The choice between gross and net income for tithing is a personal decision, often influenced by an individual’s financial situation and spiritual convictions.

Many who advocate for tithing on gross income view it as giving the “first fruits,” meaning the initial and best portion of one’s earnings, before other expenses are considered. Others find it more practical to tithe on net income, considering it the true amount of accessible funds. Consistency in applying the chosen method is a common consideration.

Tithable income generally includes various forms of financial increase, such as:
Wages
Salaries
Bonuses
Commissions

For self-employed individuals, tithable income is typically calculated on net profits after deducting legitimate business expenses, but not personal living expenses or taxes. Investment income, such as interest earned from savings, dividends from stocks, and capital gains from selling assets, are also often considered tithable.

Certain financial inflows are not considered tithable. These exclusions include loan proceeds, reimbursements for expenses, and inheritances, as these are generally not viewed as earned income or “increase.” Gifts received may or may not be considered tithable, depending on personal interpretation.

Monthly Tithing Strategies

Integrating tithing into a monthly financial plan requires intentional budgeting. Individuals can treat their tithe as a fixed expense, similar to rent or utilities, and allocate funds for it at the beginning of each pay period. This approach ensures that tithing remains a priority rather than an afterthought, helping to maintain consistent giving habits. Creating a budget that accounts for the tithe first allows for financial decisions to be made based on the remaining funds.

For those with fluctuating monthly income, such as self-employed individuals or those earning commissions, consistent tithing can present a unique challenge. One strategy involves tithing on the actual income received as it comes in, setting aside the percentage from each payment. Another approach is to average income over a period, such as quarterly or annually, and then adjust monthly contributions to meet the tithing goal. Some individuals may also set aside a slightly higher percentage during prosperous months to offset leaner periods, ensuring overall consistency.

Automated transfers can simplify monthly tithing, allowing individuals to schedule regular payments directly from their bank accounts to their chosen organization. This method promotes discipline and ensures contributions are made without requiring manual action each time.

Understanding Additional Giving

The concept of tithing, typically understood as ten percent of one’s income, is often distinguished from other forms of financial contributions known as offerings. While the tithe is considered a foundational act of giving, offerings represent donations given beyond this initial percentage. This distinction allows for a broader scope of charitable contributions.

Offerings are generally voluntary and discretionary, meaning the amount and purpose are determined by the individual giver. These additional contributions can support specific causes, projects, or needs that extend beyond the general operating expenses typically covered by the tithe. Examples might include donations for special building funds, outreach programs, or specific community initiatives. This dual approach to giving allows individuals to fulfill their tithing commitments while also exercising personal discretion in supporting other areas important to them.