@PrachiPatel @DougBrowning This looks like a fundamental inconsistency on how null values are treated.
Take this XLSForm as a simplification of @PrachiPatel 's original expression.

I added the calculation formula also in the hint column, so we can see what expression is being evaluated (Survey123 will replace the variables in the hint with their values).
As seen below, when the value in a2 is cleared, the expression changes to coalesce(10*,0) instead of coalesce(10*10). This works well and as designed in both apps. However, when the expression is evaluated the output is different.

This definitively will need more research from our side. One way or another, I would expect the output to be the same in both apps.
I think that you did well adding coalesce(), but you did not do it all the way. If you use this approach to the expression, the behavior will be consistent in both apps:
coalesce(${a1},0)*coalesce(${a2},0) + coalesce(${a3},0)*coalesce(${a4},0)