Salvation is wholly by grace. What do we mean when we say that salvation is wholly by grace? We might say it this way – salvation is only by grace. You cannot earn it, work for it, deserve it, or be worthy of it. There is nothing that you can add to the grace of God or else God’s grace wouldn’t be grace.
The bottom line is that salvation is a gift that we receive when we put our faith and trust in the finished work of Jesus Christ on the cross.