Question: "What does the Bible say about when God will judge us?"
Answer: There are two separate judgments. Believers are judged at the Judgment Seat of Christ (Romans 14:10-12). Every believer will give an account of himself, and the Lord will judge the decisions he made"including those concerning issues of conscience. This judgment does not determine salvation, which is by faith alone (Ephesians 2:8-9), but rather is the time when believers must give an account of their lives in service to Christ. Our position in Christ is the "foundation" spoken of in 1 Corinthians 3:11-15. That which we build upon the foundation can be the "gold, silver, and precious stones" of good works in Christ's name, obedience and fruitfulness"dedicated spiritual service to glorify God and build the church. Or what we build on the foundation may be the "wood, hay and stubble" of worthless, frivolous, shallow activity with no spiritual value. The Judgment Seat of Christ will reveal this.
The gold, silver, and precious stones in the lives of believers will survive God's refining fire (v. 13), and believers will be rewarded based on those good works"how faithfully we served Christ (1 Corinthians 9:4-27), how well we obeyed the Great Commission (Matthew 28:18-20), how victorious we were over sin (Romans 6:1-4), how well we controlled our tongues (James 3:1-9), etc. We will have to give an account for our actions, whether they were truly indicative of our position in Christ. The fire of God's judgment will completely burn up the "wood, hay and stubble" of the words we spoke and things we did which had no eternal value. "So then, each of us will give an account of himself to God" (Romans 14:12 ).
The second judgment is that of unbelievers who will be judged at the Great White Throne Judgment (Revelation 20:11-15). This judgment does not determine salvation, either. Everyone at the Great White Throne is an unbeliever who has rejected Christ in life and is therefore already doomed to the lake of fire. Revelation 20:12 says that unbelievers will be "judged out of those things which were written in the books, according to their works." Those who have rejected Christ as Lord and Savior will be judged based on their works alone, and because the Bible tells us that "by the works of the Law no flesh will be justified" (Galatians 2:16), they will be condemned. No amount of good works and the keeping of God's laws can be sufficient to atone for sin. All their thoughts, words and actions will be judged against God's perfect standard and found wanting. There will be no reward for them, only eternal condemnation and punishment.