I finally figured it out once I decided to reply to the NJ State inquiry if one of my two IRA accounts experienced its INITIAL withdrawal in CY2024. Once I answered in the affirmative & then, when prompted, reinputted the IRA Contribution Worksheet info from the federal side into the NJ State side, the math worked as I had earlier calculated (from doing it long hand with NJ's Form 1040 Instruction Manual). Hopefully, this issue will not reoccur in future tax years using TT Online. Thank you.
