A Faithful Approach to Taxes
- Neil Chacko, CFP®, CKA®
- 3 days ago
- 5 min read
Few topics stir up as much frustration—or confusion—as taxes. Every spring, millions of Americans gather their documents, say a quick prayer, and hope for a good outcome. Some rejoice over a big refund. Others wince at a balance due. But as Christians, we’re called to think about taxes differently than the world does. Our approach should be shaped not by fear, resentment, or even excitement—but by faithfulness, wisdom, and stewardship.
Jesus addressed this directly when He said,
“Render to Caesar the things that are Caesar’s, and to God the things that are God’s” (Matthew 22:21)
In other words, paying taxes is not optional for the believer. It is part of our witness, part of our obedience, and part of how we live honorably in the world.
At the same time, nowhere in Scripture are we told to be careless stewards. In fact, the Bible consistently calls us to wisdom, diligence, and intentionality with the resources God has entrusted to us.
“It is required of stewards that they be found faithful” (1 Corinthians 4:2).
That includes how we handle our tax planning.
So how do we hold these two truths together?
We should pay what we owe—cheerfully and honestly—but not more than we owe.
1. Paying Taxes Is a Matter of Integrity and Gratefulness
Let’s start with the foundation. The Apostle Paul writes:
“For because of this you also pay taxes, for the authorities are ministers of God… Pay to all what is owed to them: taxes to whom taxes are owed” (Romans 13:6–7).
As believers, we don’t pay taxes merely because we’re afraid of penalties or audits. We pay them because God calls us to live with integrity and to respect lawful authority. Cutting corners, hiding income, or playing games with the IRS is not just illegal—it’s inconsistent with a Christian witness.
We should be honest. We should be accurate. We should comply.
In addition, paying taxes is a reminder of God’s provision. Since we are required to pay taxes when we make money, having to pay them means that God has provided for us. So, there should be some joy (not a lot) in paying taxes, knowing that God has provided.
2. Wisdom Does Not Mean Overpaying
Some Christians, with good intentions, take the mindset: “I’ll just pay much more than I owe so I don’t have to worry about it.” While that may feel safe or even virtuous, it’s not actually good stewardship.
Jesus said,
“Behold, I am sending you out as sheep in the midst of wolves, so be wise as serpents and innocent as doves” (Matthew 10:16).
Notice the balance: innocence and wisdom. We are called to be honest—but not naive.
Overpaying taxes is not generosity. It is poor cash-flow management.
Every dollar you send unnecessarily to the IRS is a dollar that could have been:
Strengthening your family’s financial stability
Supporting your church or favorite ministry
Helping a neighbor in need
Being invested for future kingdom impact
The Parable of the Talents (Matthew 25:14–30) makes it clear that God cares deeply about how we manage what He entrusts to us. Being passive or indifferent with money is not praised in that parable, in fact, it is rebuked.
3. The Truth About Tax Refunds
Many people celebrate a big tax refund as if it were a bonus or a gift. In reality, a refund is simply your own money being returned to you—without interest.
From a financial standpoint, a large refund means one thing: you gave the government an interest-free loan.
Imagine writing a check every month to the IRS that was larger than necessary, when that same money could have been:
Reducing credit card balances
Building an emergency fund
Contributing to retirement or college savings
Being deployed for generosity and ministry throughout the year
Proverbs 21:5 tells us, “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.”
Letting your tax situation drift on autopilot is not diligence—it’s neglect.
Now, to be clear: a small refund or a small amount due is not a moral issue. It can be difficult to calculate your tax liability to the exact dollar every year. The goal is not perfection. The goal is intentionality.
4. A Better Goal: Accuracy, Not Surprises
From a stewardship perspective, the ideal tax outcome is simple:
You pay what you owe.
You keep what you’re allowed to keep.
There are no big surprises.
That means structuring your withholding, estimated payments, and tax strategy so that your money stays working for you throughout the year—not sitting in a government account waiting to be returned.
Think of it this way: If God has entrusted resources to your care, you should strive to deploy them as effectively and intentionally as possible all year long—not just after April 15.
5. Why Year-Round Tax Planning Matters
One of the biggest mistakes people make is treating taxes as a once-a-year event. In reality, the most meaningful tax decisions are made throughout the year—not at filing time.
By the time your tax return is being prepared, most of the opportunities to reduce your liability are already gone.
Proper tax planning can include things like:
Timing income and deductions wisely
Coordinating retirement contributions
Using charitable giving strategies more effectively
Planning Roth conversions or capital gains intentionally
Structuring business income and expenses prudently
Proverbs 24:3 says,
“By wisdom a house is built, and by understanding it is established.”
That applies just as much to your financial house as it does to your physical one.
6. Taxes Are a Spiritual Issue Because Money Is a Spiritual Issue
Jesus spoke about money more than almost any other topic—not because money is everything, but because money reveals what we value, what we trust, and how we think.
When we overpay out of fear, we reveal anxiety.When we avoid planning out of procrastination, we reveal passivity.When we steward well, we reflect faithfulness.
Ultimately, the goal is not to minimize taxes at all costs. The goal is to honor God with clarity, integrity, and wisdom.
That requires intention.
7. Bringing It All Together
A faithful, Christian approach to taxes looks like this:
We pay what we owe—honestly and fully.
We do not pay more than we owe—because that is not good stewardship.
We do not celebrate large refunds—because they represent poor planning.
We plan throughout the year—so God’s resources are working for His purposes, not sitting idle.
When we approach taxes this way, we’re not just being good citizens, we’re being faithful stewards.
And that is what God ultimately calls us to be.
If you would like a complimentary review of your tax situation, along with some ideas on what can be done to reduce your tax liability, feel free to schedule this below:
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