This is the breakdown explanation from turbotax:
The credit amount you're eligible for is related to your adjusted gross income.
Your adjusted gross income is $74,297 . This qualifies you to claim 10% of your eligible retirement contributions as a credit. Since you contributed $4,000, you get a credit of $400.
The thing here is that I did not contribute 4k, but rather around 3.2k. I do not want to get in some trouble here….
