We have not had our personal sins paid for yet (per se) Every sin we commit is there on the cross. Time is mystical in this situation.
Jesus opened the Gates and that was His mission - the cross, the cross - the crucifix.
We cannot earn it, merit it etc. - Christ did it for us.
Our own free will Must join in though - we are just creatures.
If time is mystical in this situation, then just as Catholics can consider that Jesus is in a perpetual state of being crucified in heaven, justifying the Eucharist and saying that participating in the Eucharist is participating in the sacrifice of Jesus, then all our sins are being continually paid for.
And if every sin that we commit is there on the cross, that means sins future as well as sins past to us because when Jesus died on the cross, ALL our sins were future to Him.
As far as our heavenly Father is concerned, we are "in Christ" right from the moment we accepted him as our savior. We became born into his family. Our standing with God is IN CHRIST, not having our own righteousness, but the righteousness of God in Christ. He looks at us and sees we are covered by the Blood of Christ. Jesus said IT IS FINISHED. If that did not mean the debt of sin was paid in full, then what could he have meant? As far as our free will, we must receive the gift God has offered us.
John 1:11-13
He came unto his own, and his own received him not. But as many as received him, to them gave he power to become the sons of God, even to them that believe on his name: Which were born, not of blood, nor of the will of the flesh, nor of the will of man, but born of God.