If someone can't finish the month financially, and has to borrow or take gifts in order to feed his family, does he still have to give Maaser from his salary?

3 Answers 3


First of all, the Biblical mitzvah of maaser has to do with produce; the contemporary version of the mitzvah, maaser kesafim, where one gives 10% of his income, is a minhag or at least of Rabbinic origin, according to most poskim.

The Gemara, at Kesubos 50a, states that one cannot give double-maaser (20% of one's income) if it would cause him to be impoverished, however, there are exceptions to this rule.

There is a split among the sources whether a poor person must give maaser. Some rule strictly and require maaser even of the poor unless they can't even purchase bread and water, others take the position that if one has to rely upon others to satisfy basic needs, and has no luxuries, then he need not give maaser. See Teshuvos V’Hanhagos 1:560, Kuntros Kol Torah Choberes 39 B’Shem R’ Shlomo Zalmen Aurbauch Zt”l.

However, the Gemara is quite clear that the poor should nevertheless give tzedakah (which is a separate mitzvah from maaser). At Gittin 7a-b, Rabbi Avira, interpreting Nachum 1:12 which states: "If they are complete, or many, even so they will be cut" - states: "if one sees that his income is scarce, he should give Tzedakah from it, and all the more so, if his income is large!" The Gemara cites its agreement stating: "If one trims his possessions and gives Tzedakah, he is saved from punishment in Gehinom." Continuing the reading of Nachum 1:12, "And I afflicted you," Mar Zutra finds that proof for the point that "even a poor person supported by Tzedakah should give Tzedakah." And from Nachum 1:13, where G-d continues and says "I will not afflict you any more," Rav Yosef finds this to be a proof that the poor will be rewarded for giving charity because he will cease being poor.

Bottom line, if one thinks he might be poor enough to be exempt from maaser, he should consult his local rabbi.

It is possible to give too much. The gemara, at Ketuvos 50a, says that one should not give more than a fifth of their income (double maaser) lest he comes to be a charity case himself.

  • Do you mean that one should not give more than a fifth (אל יבזבז יותר מחומש)?
    – Fred
    Commented Feb 11, 2013 at 21:46
  • @Fred: I'm not understanding what in my post you're referring to or how I got confused. Commented Feb 11, 2013 at 22:02
  • 1
    You wrote "one should not give a fifth of their income (double maaser) lest he comes to be a charity case himself." Did you mean that one should not give more than a fifth, but that exactly a fifth is okay? That is my understanding of the gemara (and the halacha pesuka, as well).
    – Fred
    Commented Feb 11, 2013 at 22:20

About 10 Years ago, I asked a similar question to a posek by the name of Rabbi Yonasan Wiener in Jerusalem and he replied "if you can't make ends meet, you're not obligated in maaser."

However, I read in a book on Rabbi Pinchas Sheinberg that a couple with a very difficult financial situation went to ask him whether they were obligated to take maaser.

He replied, "no, but I don't know how you can get out of your difficult financial situation without the segula of taking maaser."

  • Although it should be noted that according to Rambam turning mitsvot into segulot forfeits one's portion in the world to come.
    – mevaqesh
    Commented Jul 7, 2016 at 3:19

Talk to your rabbi.

We rule that tithing of funds is a very meritorious practice, but not an all-out obligation. The Talmud prohibits one to give too much, lest they impoverish themselves and become a recipient.

As I'd heard in a speech on maaser kesafim from Rabbi Yitzchak Breitowitz (and see the late Cyril Domb's book), feeding one's family comes first. Consult your rabbi if part, or all, of your tithing funds should go back to your own home.

Shulchan Aruch does discuss giving a token sum per year, to show that we belong to a people that believe in kindness, but that's not very much.

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