When receiving social security benefits subject to an earnings limit, will Traditional IRA contributions allow me to offset my earnings to avoid penalty for higher income

[Jarrod010]

Example:  If the earnings limit is $10k & actual earnings are $15k, will a $5k IRA contribution allow me to avoid being penalized for earning too much.

[AmyT]

Unfortunately, the Social Security Administration (SSA) does not adjust your earnings for a contribution made to a retirement account, including a traditional IRA.

While it will not help with the earning cap for social security purposes, a contribution to a traditional IRA may reduce your taxable income, and therefore your tax liability.