Grace giving is free, cheerful, and from the heart, not a required percentage paid out of obligation or fear. You give because you want to, as you purpose, not to earn blessing or avoid guilt. A loved child gives like a child, not like a taxpayer.
The Grace Answer
Many believers carry quiet guilt about money, sure they are shortchanging God unless they hit a certain percentage. The New Testament describes giving in a completely different key. Under grace, giving is not a tax. It is a joy.
Paul lays out the pattern: let each one give as he purposes in his heart, not grudgingly or of necessity; for God loves a cheerful giver. Every word cuts against obligation. As he purposes, not as a rule dictates. Not grudgingly, not out of necessity. The heart sets the amount, and the mood is gladness, not pressure. Grace giving flows from a full heart, not a fearful one.
Why the tithe is not the point
The tithe belonged to the old covenant law, a required percentage under a system of demand. The New Testament never commands believers to tithe. Instead it points to a far higher and freer motive: you know the grace of our Lord Jesus Christ, that though He was rich, yet for your sakes He became poor, that you through His poverty might become rich. You give because you have first received extravagantly, not to unlock a blessing or avoid a curse.
The early church shows the picture. They gave generously and spontaneously, not because a percentage was enforced, but because grace had made them open-handed. Freed people tend to hold money loosely, because they know where their real security is, and it is not in the account. This does not make believers stingy. Freed people are usually more generous than obligated ones, not less, because generosity born of gratitude has no ceiling that a rule would impose. When you know you are loved and provided for, giving stops being a bill and becomes a delight.
Notice too that grace never sets the amount for you, and that is not a loophole to give little. It is an invitation to give from a heart that has been made generous, which almost always gives more than a rule would ever have required. So give. Give freely, thoughtfully, generously. But give as a son or daughter, not as a subject paying dues. Not to move God to bless you, He already has, in Christ. You give because grace made you the kind of person who wants to, and that is exactly the giver God loves.