Hilchos Teshuvah –  Chapter 3: Judgment According to Deeds, the Balance of Merit and Sin, and the World to Come
Halachah 1 — Righteous, Wicked, and Beinoni
Every person has merits and sins.
- One whose merits exceed his sins is righteous.
- One whose sins exceed his merits is wicked.
- One whose merits and sins are equal is a Beinoni.
The same standard applies to an entire city and to the entire world.
Halachah 2 — The Weighing of Merits and Sins
- If a person’s sins outweigh his merits, he is punished immediately; the same applies to a city or the world as a whole.
- This weighing is not numerical alone—the magnitude of deeds matters.
- A single merit can outweigh many sins, and a single sin can outweigh many merits.
- Only God, in His wisdom, knows how to measure them accurately.
Halachah 3 — Regretting Merits and Judgment on Rosh HaShanah
One who regrets the mitzvot he performed loses all merit from them. Just as a person is judged at death, so too every person is judged annually on Rosh HaShanah:
- the righteous are sealed for life,
- the wicked for death,
- the Beinoni remain suspended until Yom Kippur.
If a Beinoni repents, he is sealed for life; if not, for death.
Halachah 4 — The Message of the Shofar
- Although sounding the shofar is a decree, it carries a message: Awaken, examine your deeds, repent, and return to God.
- Therefore, a person should always view himself and the world as evenly balanced.
- One sin can tip the scale toward destruction; one mitzvah can tip it toward salvation.
- This is why Israel increases charity, good deeds, and prayer between Rosh HaShanah and Yom Kippur.
Halachah 5 — God’s Forbearance With Repeated Sins
- God does not count sins committed once or twice; only from the third repetition are they counted.
- If merits outweigh the repeatedly committed sins, God forgives sins progressively.
- This rule applies to individuals; for communities, punishment is withheld for three sins and begins with the fourth.
- A Beinoni who entirely neglected tefillin is judged as wicked, yet still receives a share in the World to Come.
- Likewise, most wicked Jews receive a share in the World to Come, and so do the righteous of the nations.
Halachah 6 — Those With No Share in the World to Come
Certain individuals lose their portion entirely, including:
- Minim,
- Epicursim,
- deniers of Torah, resurrection, or Mashiach,
- rebels against God,
- those who cause the many to sin,
- separatists from the community,
- public sinners,
- informers,
- tyrants who rule by fear,
- murderers,
- slanderers,
- and one who conceals his circumcision.
Their souls are cut off and judged eternally.
Halachah 7 — Definition of Minim
Five types are classified as Minim:
- one who denies God’s existence,
- one who believes in multiple gods,
- one who believes God has a physical form,
- one who denies God as the sole First Cause,
- one who serves intermediaries to reach God.
Halachah 8 — Epicursim and Deniers of Torah
Three are classified as Epicursim:
- one who denies prophecy,
- one who denies Moses’ prophecy,
- one who denies divine knowledge of human actions.
Three are classified as deniers of the Torah:
- denying any part of the Written Torah,
- denying the Oral Law or its sages,
- claiming the Torah was replaced.
Halachah 9 — Apostates
There are two types of apostates:
- an apostate to one mitzvah, who habitually violates it to anger God,
- an apostate to the entire Torah, who abandons Judaism under pressure and joins the gentiles.
Halachah 10 — Those Who Cause the Many to Sin
This category includes:
- those who cause major sins,
- those who cause minor sins,
- those who coerce others,
- and those who entice and mislead.
All are judged severely.
Halachah 11 — Separating From the Community
- One who separates himself from the Jewish community—avoiding their mitzvot, suffering, and fasts—has no share in the World to Come, even if he commits no other sins.
- Public, shameless sinners likewise lose their share.
Halachah 12 — Informers
Those who betray Jews to gentile authorities—whether life or property—lose their portion in the World to Come.
Halachah 13 — Tyrants Who Rule by Fear
Those who instill fear in the community for personal honor rather than God’s service are included among those with no share in the World to Come.
Halachah 14 — Teshuvah Overrides All
- Even those listed above can regain a share in the World to Come through Teshuvah.
- No sin stands in the way of repentance.
- Even one who denied God all his life but repented at the end is accepted.
- Teshuvah is effective whether done publicly or privately.
