“Justification is by faith alone, but it isn’t a faith that is alone, for true faith produces good works. Still, good works are not the ground or cause of salvation; they are the fruit of one’s faith. The perfect righteousness of Christ is imputed to believers, so that their righteousness is not inherent but is theirs because they are united to Jesus Christ.76 At the final judgment God will declare publicly what was already the case in the lives of believers, i.e., that they are righteous by faith, and their works will verify (but will not be the foundation of) that declaration.”
― Thomas R. Schreiner, Faith Alone---The Doctrine of Justification: What the Reformers Taught...and Why It Still Matters