Catholics also don't believe one can work his way into heaven, though we do believe grace is received through faith, and that faith without works is dead (James 2:26)
it is only by Grace that God even made a means of redemption possible ..
therefore when Paul says "we are saved by Grace" he is saying "God did not have to redeem us" and therefore was "a free gift" .. however this "free gift" of Grace, of making the sacrifice and a new Covenant, does not mean the new Covenant/Contract of Faith needs nothing on our part ..
JESUS SAID
If you don't endure to the end, you WILL NOT gain salvation (Mat 24:13) ..
enduring in Belief imputes salvation, BUT if you do not obey WRATH (John 3:36) ..
as belief incorporates obedience ..
Mat 19:17 And He said to him, “Why are you asking Me about what is good? There is only One who is good;
but if you wish to enter into life, keep the commandments.”
here Jesus is asked POINT BLANK
what is needed to gain salvation ..
Luk 10:25 And a lawyer stood up and put Him to the test, saying,
“Teacher, what shall I do to inherit eternal life?”
Luk 10:27 And he answered, “YOU SHALL LOVE THE LORD YOUR GOD WITH ALL YOUR HEART, AND WITH ALL YOUR SOUL, AND WITH ALL YOUR STRENGTH, AND WITH ALL YOUR MIND; AND YOUR NEIGHBOR AS YOURSELF.”
Luk 10:28 And He said to him,
“You have answered correctly; DO THIS AND YOU WILL LIVE.”
LOVE IS A TWO-WAY STREET ..
I think a lot of the RCC view of purgatory may have come from this verse ..
Mat 5:26 “Truly I say to you, you will not come out of there until you have paid up the last cent.