How do we know that true saving faith is effective?

True saving faith is not merely intellectual assent but involves a deep, personal trust in Jesus Christ as Savior and Lord. It is a faith that believes God, as noted in Romans 10:9-10, which teaches that with the heart one believes and is justified, and with the mouth one confesses and is saved. This faith manifests in a life that produces good works—fruits of the Spirit—as evidence of genuine transformation (Galatians 5:22-23). Furthermore, the assurance that believers are kept by the power of God through faith for salvation (1 Peter 1:5) reinforces how true believers will persevere and remain steadfast in their faith until the end.