<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019dcfb2-aca3-7535-aa51-6c4d0c47d6e7,g:41b98af0-74df-4e39-b2e1-ef1eb3786ddc-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef arcroleURI="https://xbrl.org/2023/arcrole/summation-item" xlink:type="simple" xlink:href="https://www.xbrl.org/2023/calculation-1.1.xsd#summation-item"/>
  <link:roleRef roleURI="http://www.affirm.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETS" xlink:type="simple" xlink:href="afrm-20260331.xsd#CONDENSEDCONSOLIDATEDBALANCESHEETS"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_019dcfb2-b034-7714-a029-aae3415b8194" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NotesReceivableNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses_019dcfb2-b034-7490-b6cb-ee3ff9b71c69" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_019dcfb2-b034-7714-a029-aae3415b8194" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses_019dcfb2-b034-7490-b6cb-ee3ff9b71c69" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableGross_019dcfb2-b034-7a3a-9789-7d93ecd0b353" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NotesReceivableGross"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_019dcfb2-b034-7714-a029-aae3415b8194" xlink:to="loc_us-gaap_NotesReceivableGross_019dcfb2-b034-7a3a-9789-7d93ecd0b353" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019dcfb2-b034-70a2-8cc3-c4b7c4157d96" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_019dcfb2-b034-7b9e-bdc4-2d78798614e8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019dcfb2-b034-70a2-8cc3-c4b7c4157d96" xlink:to="loc_us-gaap_CommonStockValue_019dcfb2-b034-7b9e-bdc4-2d78798614e8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_019dcfb2-b034-780a-987b-f9006a013611" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019dcfb2-b034-70a2-8cc3-c4b7c4157d96" xlink:to="loc_us-gaap_AdditionalPaidInCapital_019dcfb2-b034-780a-987b-f9006a013611" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019dcfb2-b034-714b-a0af-db84a95f1a31" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019dcfb2-b034-70a2-8cc3-c4b7c4157d96" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019dcfb2-b034-714b-a0af-db84a95f1a31" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019dcfb2-b034-76ee-a89b-fd07bb35f8fd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019dcfb2-b034-70a2-8cc3-c4b7c4157d96" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019dcfb2-b034-76ee-a89b-fd07bb35f8fd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsNet_019dcfb2-b034-771c-b5cb-cc1e4c99df87" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019dcfb2-b034-71ef-83d9-47ef7ae22816" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Assets"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsNet_019dcfb2-b034-771c-b5cb-cc1e4c99df87" xlink:to="loc_us-gaap_Assets_019dcfb2-b034-71ef-83d9-47ef7ae22816" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019dcfb2-b034-753a-b770-886e55004931" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsNet_019dcfb2-b034-771c-b5cb-cc1e4c99df87" xlink:to="loc_us-gaap_Liabilities_019dcfb2-b034-753a-b770-886e55004931" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_019dcfb2-b034-7008-8dcf-c1854da57909" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019dcfb2-b034-705d-91a8-8f5bbbbbf6ae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019dcfb2-b034-7008-8dcf-c1854da57909" xlink:to="loc_us-gaap_Liabilities_019dcfb2-b034-705d-91a8-8f5bbbbbf6ae" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_019dcfb2-b034-7ebf-8876-d686a1b1a076" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019dcfb2-b034-7008-8dcf-c1854da57909" xlink:to="loc_us-gaap_CommitmentsAndContingencies_019dcfb2-b034-7ebf-8876-d686a1b1a076" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019dcfb2-b034-7f92-80d3-48dc1dc22903" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019dcfb2-b034-7008-8dcf-c1854da57909" xlink:to="loc_us-gaap_StockholdersEquity_019dcfb2-b034-7f92-80d3-48dc1dc22903" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019dcfb2-b034-753c-a4ab-0cbc8c464b61" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableNet_019dcfb2-b034-7906-bff3-92e7bfeaee1f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsReceivableNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019dcfb2-b034-753c-a4ab-0cbc8c464b61" xlink:to="loc_us-gaap_AccountsReceivableNet_019dcfb2-b034-7906-bff3-92e7bfeaee1f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleAmount_019dcfb2-b034-712b-81d4-5d9bdd991c80" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansReceivableHeldForSaleAmount"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019dcfb2-b034-753c-a4ab-0cbc8c464b61" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleAmount_019dcfb2-b034-712b-81d4-5d9bdd991c80" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019dcfb2-b034-700e-8aaa-ca69e0d27ce0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019dcfb2-b034-753c-a4ab-0cbc8c464b61" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019dcfb2-b034-700e-8aaa-ca69e0d27ce0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_019dcfb2-b034-7e22-a301-0785114c1aac" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019dcfb2-b034-753c-a4ab-0cbc8c464b61" xlink:to="loc_us-gaap_OtherAssets_019dcfb2-b034-7e22-a301-0785114c1aac" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019dcfb2-b034-72cd-a5e1-3df57ec35ee3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019dcfb2-b034-753c-a4ab-0cbc8c464b61" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019dcfb2-b034-72cd-a5e1-3df57ec35ee3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_019dcfb2-b034-777b-91ee-11cf6e2a8a58" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NotesReceivableNet"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019dcfb2-b034-753c-a4ab-0cbc8c464b61" xlink:to="loc_us-gaap_NotesReceivableNet_019dcfb2-b034-777b-91ee-11cf6e2a8a58" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_019dcfb2-b034-7723-ab9f-301e90199e91" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019dcfb2-b034-753c-a4ab-0cbc8c464b61" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_019dcfb2-b034-7723-ab9f-301e90199e91" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_CommercialAgreementAssetNet_019dcfb2-b034-7a10-a96a-66fa0ab95e6e" xlink:href="afrm-20260331.xsd#afrm_CommercialAgreementAssetNet"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019dcfb2-b034-753c-a4ab-0cbc8c464b61" xlink:to="loc_afrm_CommercialAgreementAssetNet_019dcfb2-b034-7a10-a96a-66fa0ab95e6e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherInvestments_019dcfb2-b034-7899-96f1-86c0fd5e9e23" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherInvestments"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019dcfb2-b034-753c-a4ab-0cbc8c464b61" xlink:to="loc_us-gaap_OtherInvestments_019dcfb2-b034-7899-96f1-86c0fd5e9e23" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash_019dcfb2-b034-70f4-8edd-3eb1698e8dea" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RestrictedCash"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019dcfb2-b034-753c-a4ab-0cbc8c464b61" xlink:to="loc_us-gaap_RestrictedCash_019dcfb2-b034-70f4-8edd-3eb1698e8dea" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_019dcfb2-b034-73ad-96a2-bceae2af1a42" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Goodwill"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019dcfb2-b034-753c-a4ab-0cbc8c464b61" xlink:to="loc_us-gaap_Goodwill_019dcfb2-b034-73ad-96a2-bceae2af1a42" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019dcfb2-b034-7f53-ad3f-5259333350bf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableCurrentAndNoncurrent_019dcfb2-b034-741e-a465-a3e11ce688b9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsPayableCurrentAndNoncurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019dcfb2-b034-7f53-ad3f-5259333350bf" xlink:to="loc_us-gaap_AccountsPayableCurrentAndNoncurrent_019dcfb2-b034-741e-a465-a3e11ce688b9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_ThirdPartyLoanOwnerPayable_019dcfb2-b034-7492-8e0a-180744e32927" xlink:href="afrm-20260331.xsd#afrm_ThirdPartyLoanOwnerPayable"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019dcfb2-b034-7f53-ad3f-5259333350bf" xlink:to="loc_afrm_ThirdPartyLoanOwnerPayable_019dcfb2-b034-7492-8e0a-180744e32927" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPayableCurrentAndNoncurrent_019dcfb2-b034-728f-95d9-fe319d0f7764" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestPayableCurrentAndNoncurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019dcfb2-b034-7f53-ad3f-5259333350bf" xlink:to="loc_us-gaap_InterestPayableCurrentAndNoncurrent_019dcfb2-b034-728f-95d9-fe319d0f7764" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_019dcfb2-b034-761a-aedd-ad050146c714" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccruedLiabilitiesAndOtherLiabilities"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019dcfb2-b034-7f53-ad3f-5259333350bf" xlink:to="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_019dcfb2-b034-761a-aedd-ad050146c714" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertibleDebt_019dcfb2-b034-7b70-92a7-2767eba66143" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConvertibleDebt"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019dcfb2-b034-7f53-ad3f-5259333350bf" xlink:to="loc_us-gaap_ConvertibleDebt_019dcfb2-b034-7b70-92a7-2767eba66143" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredDebt_019dcfb2-b034-721c-a78b-bd9b52f0077b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuredDebt"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019dcfb2-b034-7f53-ad3f-5259333350bf" xlink:to="loc_us-gaap_SecuredDebt_019dcfb2-b034-721c-a78b-bd9b52f0077b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCredit_019dcfb2-b034-7a46-a967-b68dc147610f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LineOfCredit"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019dcfb2-b034-7f53-ad3f-5259333350bf" xlink:to="loc_us-gaap_LineOfCredit_019dcfb2-b034-7a46-a967-b68dc147610f" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVEINCOMELOSS" xlink:type="simple" xlink:href="afrm-20260331.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVEINCOMELOSS"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVEINCOMELOSS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019dcfb2-b034-7efd-b280-6d4f23798362" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_019dcfb2-b034-7096-84f0-f75b498e523f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019dcfb2-b034-7efd-b280-6d4f23798362" xlink:to="loc_us-gaap_OperatingIncomeLoss_019dcfb2-b034-7096-84f0-f75b498e523f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNonoperatingIncomeExpense_019dcfb2-b034-768f-8108-c08fc0d22c36" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherNonoperatingIncomeExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019dcfb2-b034-7efd-b280-6d4f23798362" xlink:to="loc_us-gaap_OtherNonoperatingIncomeExpense_019dcfb2-b034-768f-8108-c08fc0d22c36" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019dcfb2-b034-7da6-81da-01d0a6e89b6b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019dcfb2-b034-7f4e-8d6b-e9b6363a5ff4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_019dcfb2-b034-7da6-81da-01d0a6e89b6b" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019dcfb2-b034-7f4e-8d6b-e9b6363a5ff4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019dcfb2-b034-753b-8e80-febab0abf58c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_019dcfb2-b034-7da6-81da-01d0a6e89b6b" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019dcfb2-b034-753b-8e80-febab0abf58c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019dcfb2-b034-7a44-b921-867da1cf6d50" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_019dcfb2-b034-7252-8bdd-345c46184074" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019dcfb2-b034-7a44-b921-867da1cf6d50" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_019dcfb2-b034-7252-8bdd-345c46184074" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_019dcfb2-b034-714b-b0b1-ed917b336805" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019dcfb2-b034-7a44-b921-867da1cf6d50" xlink:to="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_019dcfb2-b034-714b-b0b1-ed917b336805" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_019dcfb2-b034-7b91-bac2-2370937f8b92" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019dcfb2-b034-7a44-b921-867da1cf6d50" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_019dcfb2-b034-7b91-bac2-2370937f8b92" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_019dcfb2-b034-7876-842e-d4864620827b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019dcfb2-b034-72ae-86b2-0ba70eb4d193" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Revenues"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingIncomeLoss_019dcfb2-b034-7876-842e-d4864620827b" xlink:to="loc_us-gaap_Revenues_019dcfb2-b034-72ae-86b2-0ba70eb4d193" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CostsAndExpenses_019dcfb2-b034-7dc7-8288-92a5100b5358" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CostsAndExpenses"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingIncomeLoss_019dcfb2-b034-7876-842e-d4864620827b" xlink:to="loc_us-gaap_CostsAndExpenses_019dcfb2-b034-7dc7-8288-92a5100b5358" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_019dcfb2-b034-7bba-9659-094c894d596b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019dcfb2-b034-7de6-8b6a-e5a2e5235e5e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019dcfb2-b034-7bba-9659-094c894d596b" xlink:to="loc_us-gaap_NetIncomeLoss_019dcfb2-b034-7de6-8b6a-e5a2e5235e5e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019dcfb2-b034-7af9-9c7a-30eeff87f7c9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019dcfb2-b034-7bba-9659-094c894d596b" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019dcfb2-b034-7af9-9c7a-30eeff87f7c9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CostsAndExpenses_019dcfb2-b034-720e-a56a-8657dda658b4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CostsAndExpenses"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_LossOnFinancingReceivableCommitmentsToPurchase_019dcfb2-b034-7d94-a459-86b6bf2670a9" xlink:href="afrm-20260331.xsd#afrm_LossOnFinancingReceivableCommitmentsToPurchase"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CostsAndExpenses_019dcfb2-b034-720e-a56a-8657dda658b4" xlink:to="loc_afrm_LossOnFinancingReceivableCommitmentsToPurchase_019dcfb2-b034-7d94-a459-86b6bf2670a9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_019dcfb2-b034-7b0e-aa91-8f0d3882305f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CostsAndExpenses_019dcfb2-b034-720e-a56a-8657dda658b4" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_019dcfb2-b034-7b0e-aa91-8f0d3882305f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDebt_019dcfb2-b034-7443-bc47-c8c96acd8046" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseDebt"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CostsAndExpenses_019dcfb2-b034-720e-a56a-8657dda658b4" xlink:to="loc_us-gaap_InterestExpenseDebt_019dcfb2-b034-7443-bc47-c8c96acd8046" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_ProcessingAndServicingExpense_019dcfb2-b034-7dec-afda-0be0a96a85c3" xlink:href="afrm-20260331.xsd#afrm_ProcessingAndServicingExpense"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CostsAndExpenses_019dcfb2-b034-720e-a56a-8657dda658b4" xlink:to="loc_afrm_ProcessingAndServicingExpense_019dcfb2-b034-7dec-afda-0be0a96a85c3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_TechnologyAndDataAnalyticsExpense_019dcfb2-b034-730b-9fa3-9c05d2531a44" xlink:href="afrm-20260331.xsd#afrm_TechnologyAndDataAnalyticsExpense"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CostsAndExpenses_019dcfb2-b034-720e-a56a-8657dda658b4" xlink:to="loc_afrm_TechnologyAndDataAnalyticsExpense_019dcfb2-b034-730b-9fa3-9c05d2531a44" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SellingAndMarketingExpense_019dcfb2-b034-7a68-ae1b-afb61d0b39ed" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SellingAndMarketingExpense"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CostsAndExpenses_019dcfb2-b034-720e-a56a-8657dda658b4" xlink:to="loc_us-gaap_SellingAndMarketingExpense_019dcfb2-b034-7a68-ae1b-afb61d0b39ed" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense_019dcfb2-b034-7707-8861-1a544c09f9f6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GeneralAndAdministrativeExpense"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CostsAndExpenses_019dcfb2-b034-720e-a56a-8657dda658b4" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpense_019dcfb2-b034-7707-8861-1a544c09f9f6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_RestructuringChargesReversalsAndOtherExpense_019dcfb2-b034-75e3-9327-cbfe3d6c92a8" xlink:href="afrm-20260331.xsd#afrm_RestructuringChargesReversalsAndOtherExpense"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CostsAndExpenses_019dcfb2-b034-720e-a56a-8657dda658b4" xlink:to="loc_afrm_RestructuringChargesReversalsAndOtherExpense_019dcfb2-b034-75e3-9327-cbfe3d6c92a8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019dcfb2-b034-7266-a68f-943f358a4a59" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Revenues"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_019dcfb2-b034-7b4a-b049-f6460c319047" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019dcfb2-b034-7266-a68f-943f358a4a59" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_019dcfb2-b034-7b4a-b049-f6460c319047" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets_019dcfb2-b034-790c-9b6d-d0598b926ec6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019dcfb2-b034-7266-a68f-943f358a4a59" xlink:to="loc_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets_019dcfb2-b034-790c-9b6d-d0598b926ec6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_019dcfb2-b034-76fb-b352-972916088823" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019dcfb2-b034-7266-a68f-943f358a4a59" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_019dcfb2-b034-76fb-b352-972916088823" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019dcfb2-b034-78e4-a0e6-97689f28d6e6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019dcfb2-b034-7266-a68f-943f358a4a59" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019dcfb2-b034-78e4-a0e6-97689f28d6e6" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="simple" xlink:href="afrm-20260331.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019dcfb2-b034-7f04-b44d-580f87fe7102" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash_019dcfb2-b034-72cf-bb11-898d5a8d9fa3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RestrictedCash"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019dcfb2-b034-7f04-b44d-580f87fe7102" xlink:to="loc_us-gaap_RestrictedCash_019dcfb2-b034-72cf-bb11-898d5a8d9fa3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019dcfb2-b034-745b-8c7f-688fbb4ac1aa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019dcfb2-b034-7f04-b44d-580f87fe7102" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019dcfb2-b034-745b-8c7f-688fbb4ac1aa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019dcfb2-b034-7a83-b22c-89e9555aa114" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-7846-8a11-dce9e80a80d5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019dcfb2-b034-7a83-b22c-89e9555aa114" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-7846-8a11-dce9e80a80d5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019dcfb2-b034-7266-a318-1ca64023ee07" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019dcfb2-b034-7a83-b22c-89e9555aa114" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019dcfb2-b034-7266-a318-1ca64023ee07" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019dcfb2-b034-7cf3-974a-cc3c5d33d633" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019dcfb2-b034-7a83-b22c-89e9555aa114" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019dcfb2-b034-7cf3-974a-cc3c5d33d633" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019dcfb2-b034-7a02-979b-fbdfaddcde9c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019dcfb2-b034-7a83-b22c-89e9555aa114" xlink:to="loc_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019dcfb2-b034-7a02-979b-fbdfaddcde9c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019dcfb2-b034-7bef-a433-392895c25174" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfDebt_019dcfb2-b034-757e-bb3f-00b347006a66" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromIssuanceOfDebt"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019dcfb2-b034-7bef-a433-392895c25174" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfDebt_019dcfb2-b034-757e-bb3f-00b347006a66" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromLongTermLinesOfCredit_019dcfb2-b034-7f9c-9639-2dbdbbb64fc0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromLongTermLinesOfCredit"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019dcfb2-b034-7bef-a433-392895c25174" xlink:to="loc_us-gaap_ProceedsFromLongTermLinesOfCredit_019dcfb2-b034-7f9c-9639-2dbdbbb64fc0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfSecuredDebt_019dcfb2-b034-7d8d-a37b-6e83e0f21af0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromIssuanceOfSecuredDebt"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019dcfb2-b034-7bef-a433-392895c25174" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfSecuredDebt_019dcfb2-b034-7d8d-a37b-6e83e0f21af0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLongTermLinesOfCredit_019dcfb2-b034-7131-8772-3bbf7954aa4c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RepaymentsOfLongTermLinesOfCredit"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019dcfb2-b034-7bef-a433-392895c25174" xlink:to="loc_us-gaap_RepaymentsOfLongTermLinesOfCredit_019dcfb2-b034-7131-8772-3bbf7954aa4c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfSecuredDebt_019dcfb2-b034-7be0-8a70-ad6152595e6d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RepaymentsOfSecuredDebt"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019dcfb2-b034-7bef-a433-392895c25174" xlink:to="loc_us-gaap_RepaymentsOfSecuredDebt_019dcfb2-b034-7be0-8a70-ad6152595e6d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDebtIssuanceCosts_019dcfb2-b034-74f7-846e-530ecc90b0b4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsOfDebtIssuanceCosts"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019dcfb2-b034-7bef-a433-392895c25174" xlink:to="loc_us-gaap_PaymentsOfDebtIssuanceCosts_019dcfb2-b034-74f7-846e-530ecc90b0b4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDebtExtinguishmentCosts_019dcfb2-b034-7fb5-bcbe-1b3f6737113c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsOfDebtExtinguishmentCosts"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019dcfb2-b034-7bef-a433-392895c25174" xlink:to="loc_us-gaap_PaymentsOfDebtExtinguishmentCosts_019dcfb2-b034-7fb5-bcbe-1b3f6737113c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_ProceedsFromStockOptionsAndWarrantsExercised_019dcfb2-b034-7a5b-90fc-7198c5fbbbff" xlink:href="afrm-20260331.xsd#afrm_ProceedsFromStockOptionsAndWarrantsExercised"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019dcfb2-b034-7bef-a433-392895c25174" xlink:to="loc_afrm_ProceedsFromStockOptionsAndWarrantsExercised_019dcfb2-b034-7a5b-90fc-7198c5fbbbff" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019dcfb2-b034-7ad8-a3b8-480a7813d995" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019dcfb2-b034-7bef-a433-392895c25174" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019dcfb2-b034-7ad8-a3b8-480a7813d995" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_CostOfIssuanceOfTreasuryStock_019dcfb2-b034-7a35-9f53-a8731a0268b7" xlink:href="afrm-20260331.xsd#afrm_CostOfIssuanceOfTreasuryStock"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019dcfb2-b034-7bef-a433-392895c25174" xlink:to="loc_afrm_CostOfIssuanceOfTreasuryStock_019dcfb2-b034-7a35-9f53-a8731a0268b7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019dcfb2-b034-75dc-9760-102322eb9e84" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireFinanceReceivables_019dcfb2-b034-7509-9bd9-c022c968e354" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireFinanceReceivables"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019dcfb2-b034-75dc-9760-102322eb9e84" xlink:to="loc_us-gaap_PaymentsToAcquireFinanceReceivables_019dcfb2-b034-7509-9bd9-c022c968e354" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfFinanceReceivables_019dcfb2-b034-711d-bf00-aad9518ff4fe" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfFinanceReceivables"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019dcfb2-b034-75dc-9760-102322eb9e84" xlink:to="loc_us-gaap_ProceedsFromSaleOfFinanceReceivables_019dcfb2-b034-711d-bf00-aad9518ff4fe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromCollectionOfFinanceReceivables_019dcfb2-b034-7850-82bc-c04a4107dbe4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromCollectionOfFinanceReceivables"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019dcfb2-b034-75dc-9760-102322eb9e84" xlink:to="loc_us-gaap_ProceedsFromCollectionOfFinanceReceivables_019dcfb2-b034-7850-82bc-c04a4107dbe4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_019dcfb2-b034-7844-b722-e38a01601bff" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019dcfb2-b034-75dc-9760-102322eb9e84" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_019dcfb2-b034-7844-b722-e38a01601bff" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_019dcfb2-b034-79e0-a77e-8dcd48c5b778" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019dcfb2-b034-75dc-9760-102322eb9e84" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_019dcfb2-b034-79e0-a77e-8dcd48c5b778" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_019dcfb2-b034-761a-953e-4caddad13f38" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019dcfb2-b034-75dc-9760-102322eb9e84" xlink:to="loc_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_019dcfb2-b034-761a-953e-4caddad13f38" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_ProceedsFromOtherInvestingActivities_019dcfb2-b034-756c-8e9c-b711ee888387" xlink:href="afrm-20260331.xsd#afrm_ProceedsFromOtherInvestingActivities"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019dcfb2-b034-75dc-9760-102322eb9e84" xlink:to="loc_afrm_ProceedsFromOtherInvestingActivities_019dcfb2-b034-756c-8e9c-b711ee888387" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_PaymentForOtherInvestingActivity_019dcfb2-b034-7a44-a3ea-327032e1c179" xlink:href="afrm-20260331.xsd#afrm_PaymentForOtherInvestingActivity"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019dcfb2-b034-75dc-9760-102322eb9e84" xlink:to="loc_afrm_PaymentForOtherInvestingActivity_019dcfb2-b034-7a44-a3ea-327032e1c179" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019dcfb2-b034-766c-a239-29ab9442a01d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:to="loc_us-gaap_NetIncomeLoss_019dcfb2-b034-766c-a239-29ab9442a01d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_019dcfb2-b034-71e0-8cf7-1b3d66c68e9f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_019dcfb2-b034-71e0-8cf7-1b3d66c68e9f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_AccretionAmortizationOfDiscountsAndPremiumsFinancingReceivables_019dcfb2-b034-76e0-ba68-38d64b3db8af" xlink:href="afrm-20260331.xsd#afrm_AccretionAmortizationOfDiscountsAndPremiumsFinancingReceivables"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:to="loc_afrm_AccretionAmortizationOfDiscountsAndPremiumsFinancingReceivables_019dcfb2-b034-76e0-ba68-38d64b3db8af" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_019dcfb2-b034-74d0-978e-0f03e180dd91" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_019dcfb2-b034-74d0-978e-0f03e180dd91" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_019dcfb2-b034-7456-8750-23ce8aa85422" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainsLossesOnExtinguishmentOfDebt"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:to="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_019dcfb2-b034-7456-8750-23ce8aa85422" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_GainLossOnChangesInFairValueOfAssetsAndLiabilities_019dcfb2-b034-7b7c-be96-ec6069d6d4c1" xlink:href="afrm-20260331.xsd#afrm_GainLossOnChangesInFairValueOfAssetsAndLiabilities"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:to="loc_afrm_GainLossOnChangesInFairValueOfAssetsAndLiabilities_019dcfb2-b034-7b7c-be96-ec6069d6d4c1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_CommercialAgreementAssetAmortizationExpense_019dcfb2-b034-7485-98f8-9ce61d4783f6" xlink:href="afrm-20260331.xsd#afrm_CommercialAgreementAssetAmortizationExpense"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:to="loc_afrm_CommercialAgreementAssetAmortizationExpense_019dcfb2-b034-7485-98f8-9ce61d4783f6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfFinancingCosts_019dcfb2-b034-7544-8e59-22ddb5e06115" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AmortizationOfFinancingCosts"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:to="loc_us-gaap_AmortizationOfFinancingCosts_019dcfb2-b034-7544-8e59-22ddb5e06115" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_AccruedInterestOnDebtSecuritiesAvailableForSale_019dcfb2-b034-77ea-b26e-a874b473ab9d" xlink:href="afrm-20260331.xsd#afrm_AccruedInterestOnDebtSecuritiesAvailableForSale"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:to="loc_afrm_AccruedInterestOnDebtSecuritiesAvailableForSale_019dcfb2-b034-77ea-b26e-a874b473ab9d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_IncreaseDecreaseInCommercialAgreementAssets_019dcfb2-b034-77ff-aa68-2d940acebe68" xlink:href="afrm-20260331.xsd#afrm_IncreaseDecreaseInCommercialAgreementAssets"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:to="loc_afrm_IncreaseDecreaseInCommercialAgreementAssets_019dcfb2-b034-77ff-aa68-2d940acebe68" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_019dcfb2-b034-7885-b98a-6cf2fe9bba82" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensation"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:to="loc_us-gaap_ShareBasedCompensation_019dcfb2-b034-7885-b98a-6cf2fe9bba82" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationDepletionAndAmortization_019dcfb2-b034-7650-9a4e-59906f842c12" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepreciationDepletionAndAmortization"/>
    <link:calculationArc order="12" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:to="loc_us-gaap_DepreciationDepletionAndAmortization_019dcfb2-b034-7650-9a4e-59906f842c12" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoncashIncomeExpense_019dcfb2-b034-7ff9-8060-50d28c59f227" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherNoncashIncomeExpense"/>
    <link:calculationArc order="13" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:to="loc_us-gaap_OtherNoncashIncomeExpense_019dcfb2-b034-7ff9-8060-50d28c59f227" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale_019dcfb2-b034-7441-8581-08ff5f1f9fa2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale"/>
    <link:calculationArc order="14" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:to="loc_us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale_019dcfb2-b034-7441-8581-08ff5f1f9fa2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansHeldForSale_019dcfb2-b034-724f-8861-896e5bcd91c2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForSale"/>
    <link:calculationArc order="15" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:to="loc_us-gaap_ProceedsFromSaleOfLoansHeldForSale_019dcfb2-b034-724f-8861-896e5bcd91c2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_019dcfb2-b034-775f-af1c-936dd10fbbf8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable"/>
    <link:calculationArc order="16" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_019dcfb2-b034-775f-af1c-936dd10fbbf8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_019dcfb2-b034-7549-868c-3d05b59c3665" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:calculationArc order="17" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_019dcfb2-b034-7549-868c-3d05b59c3665" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsPayable_019dcfb2-b034-71a2-b478-a216c881d224" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccountsPayable"/>
    <link:calculationArc order="18" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsPayable_019dcfb2-b034-71a2-b478-a216c881d224" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_IncreaseDecreaseInThirdPartyLoanOwnerPayable_019dcfb2-b034-78c3-806d-1f6f7047088b" xlink:href="afrm-20260331.xsd#afrm_IncreaseDecreaseInThirdPartyLoanOwnerPayable"/>
    <link:calculationArc order="19" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:to="loc_afrm_IncreaseDecreaseInThirdPartyLoanOwnerPayable_019dcfb2-b034-78c3-806d-1f6f7047088b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInInterestPayableNet_019dcfb2-b034-7fc2-b859-786a614f5ec0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInInterestPayableNet"/>
    <link:calculationArc order="20" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:to="loc_us-gaap_IncreaseDecreaseInInterestPayableNet_019dcfb2-b034-7fc2-b859-786a614f5ec0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities_019dcfb2-b034-790e-bcf2-b70d4578d5c0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities"/>
    <link:calculationArc order="21" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019dcfb2-b034-783f-9919-210202a3ea76" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities_019dcfb2-b034-790e-bcf2-b70d4578d5c0" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/RevenueScheduleofInterestIncomeDetails" xlink:type="simple" xlink:href="afrm-20260331.xsd#RevenueScheduleofInterestIncomeDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/RevenueScheduleofInterestIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_019dcfb2-b034-7040-b0e3-78ed5b04157f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_019dcfb2-b034-78e8-9b75-6297a2ca7182" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_019dcfb2-b034-7040-b0e3-78ed5b04157f" xlink:to="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_019dcfb2-b034-78e8-9b75-6297a2ca7182" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_AccretionOfDiscountsFinancingReceivables_019dcfb2-b034-7cbf-a9fd-b0627d2c1f52" xlink:href="afrm-20260331.xsd#afrm_AccretionOfDiscountsFinancingReceivables"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_019dcfb2-b034-7040-b0e3-78ed5b04157f" xlink:to="loc_afrm_AccretionOfDiscountsFinancingReceivables_019dcfb2-b034-7cbf-a9fd-b0627d2c1f52" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_AmortizationOfPremiumsFinancingReceivables_019dcfb2-b034-72c6-837a-ddb5b50c912f" xlink:href="afrm-20260331.xsd#afrm_AmortizationOfPremiumsFinancingReceivables"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_019dcfb2-b034-7040-b0e3-78ed5b04157f" xlink:to="loc_afrm_AmortizationOfPremiumsFinancingReceivables_019dcfb2-b034-72c6-837a-ddb5b50c912f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestWriteoff_019dcfb2-b034-7c19-be30-062b5744f12e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAccruedInterestWriteoff"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_019dcfb2-b034-7040-b0e3-78ed5b04157f" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestWriteoff_019dcfb2-b034-7c19-be30-062b5744f12e" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesScheduleofLoansHeldforInvestmentDetails" xlink:type="simple" xlink:href="afrm-20260331.xsd#LoansHeldforInvestmentandAllowanceforCreditLossesScheduleofLoansHeldforInvestmentDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesScheduleofLoansHeldforInvestmentDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableGross_019dcfb2-b034-724c-930f-d1453360236c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NotesReceivableGross"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableBeforeAllowanceForCreditLossAndFee_019dcfb2-b034-7c35-93b9-838a5240928e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableBeforeAllowanceForCreditLossAndFee"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableGross_019dcfb2-b034-724c-930f-d1453360236c" xlink:to="loc_us-gaap_FinancingReceivableBeforeAllowanceForCreditLossAndFee_019dcfb2-b034-7c35-93b9-838a5240928e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_019dcfb2-b034-70dc-8102-cc3807362fe6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableGross_019dcfb2-b034-724c-930f-d1453360236c" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_019dcfb2-b034-70dc-8102-cc3807362fe6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableUnamortizedPurchasePremium_019dcfb2-b034-75a0-b987-7ed33f251d53" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableUnamortizedPurchasePremium"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableGross_019dcfb2-b034-724c-930f-d1453360236c" xlink:to="loc_afrm_FinancingReceivableUnamortizedPurchasePremium_019dcfb2-b034-75a0-b987-7ed33f251d53" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableUnamortizedPurchaseDiscount_019dcfb2-b034-7f0c-a69c-96eb54c6b433" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableUnamortizedPurchaseDiscount"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableGross_019dcfb2-b034-724c-930f-d1453360236c" xlink:to="loc_afrm_FinancingReceivableUnamortizedPurchaseDiscount_019dcfb2-b034-7f0c-a69c-96eb54c6b433" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableLossOnSelfOrganizingLoans_019dcfb2-b034-7d57-a813-873d8aa95e43" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableLossOnSelfOrganizingLoans"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableGross_019dcfb2-b034-724c-930f-d1453360236c" xlink:to="loc_afrm_FinancingReceivableLossOnSelfOrganizingLoans_019dcfb2-b034-7d57-a813-873d8aa95e43" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesScheduleofLoansHeldforInvestmentbyDelinquencyDetails" xlink:type="simple" xlink:href="afrm-20260331.xsd#LoansHeldforInvestmentandAllowanceforCreditLossesScheduleofLoansHeldforInvestmentbyDelinquencyDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesScheduleofLoansHeldforInvestmentbyDelinquencyDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableIncludingLoansHeldForSaleExcludingAccruedInterestBeforeAllowanceForCreditLoss_019dcfb2-b034-727c-9ff1-24a37e98713a" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableIncludingLoansHeldForSaleExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_019dcfb2-b034-75d1-b0d8-0d34fa11e3e4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableIncludingLoansHeldForSaleExcludingAccruedInterestBeforeAllowanceForCreditLoss_019dcfb2-b034-727c-9ff1-24a37e98713a" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_019dcfb2-b034-75d1-b0d8-0d34fa11e3e4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_019dcfb2-b034-742c-96b9-1cff57054512" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableIncludingLoansHeldForSaleExcludingAccruedInterestBeforeAllowanceForCreditLoss_019dcfb2-b034-727c-9ff1-24a37e98713a" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_019dcfb2-b034-742c-96b9-1cff57054512" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_019dcfb2-b034-7576-a7b8-b1a7f97169b8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableIncludingLoansHeldForSaleExcludingAccruedInterestBeforeAllowanceForCreditLoss_019dcfb2-b034-727c-9ff1-24a37e98713a" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_019dcfb2-b034-7576-a7b8-b1a7f97169b8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_019dcfb2-b034-7bb4-8d2a-d88ec64da9ac" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableIncludingLoansHeldForSaleExcludingAccruedInterestBeforeAllowanceForCreditLoss_019dcfb2-b034-727c-9ff1-24a37e98713a" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_019dcfb2-b034-7bb4-8d2a-d88ec64da9ac" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_019dcfb2-b034-767a-8a31-4eda79fc7539" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableIncludingLoansHeldForSaleExcludingAccruedInterestBeforeAllowanceForCreditLoss_019dcfb2-b034-727c-9ff1-24a37e98713a" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_019dcfb2-b034-767a-8a31-4eda79fc7539" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_019dcfb2-b034-72bd-853c-2c7d0c9a08b7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableIncludingLoansHeldForSaleExcludingAccruedInterestBeforeAllowanceForCreditLoss_019dcfb2-b034-727c-9ff1-24a37e98713a" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_019dcfb2-b034-72bd-853c-2c7d0c9a08b7" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesScheduleofNetChargeOffsDetails" xlink:type="simple" xlink:href="afrm-20260331.xsd#LoansHeldforInvestmentandAllowanceforCreditLossesScheduleofNetChargeOffsDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesScheduleofNetChargeOffsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_019dcfb2-b035-7e0b-8160-c546f0f06775" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_019dcfb2-b035-7c73-9269-451d257a7cbe" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_019dcfb2-b035-7e0b-8160-c546f0f06775" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_019dcfb2-b035-7c73-9269-451d257a7cbe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearRecoveries_019dcfb2-b035-7448-89af-3f0a2cc69d33" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_019dcfb2-b035-7e0b-8160-c546f0f06775" xlink:to="loc_afrm_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearRecoveries_019dcfb2-b035-7448-89af-3f0a2cc69d33" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteOffRecoveriesNet_019dcfb2-b035-7e93-883b-4ad5dbe91ded" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteOffRecoveriesNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_019dcfb2-b035-7c73-81ad-816ca9fe1f98" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteOffRecoveriesNet_019dcfb2-b035-7e93-883b-4ad5dbe91ded" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_019dcfb2-b035-7c73-81ad-816ca9fe1f98" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearRecoveries_019dcfb2-b035-7514-91a3-c13b2dd73f1d" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteOffRecoveriesNet_019dcfb2-b035-7e93-883b-4ad5dbe91ded" xlink:to="loc_afrm_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearRecoveries_019dcfb2-b035-7514-91a3-c13b2dd73f1d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOffRecoveriesNet_019dcfb2-b035-7585-853c-3e4322a52918" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOffRecoveriesNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_019dcfb2-b035-7851-9f98-411d8b103ea5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOffRecoveriesNet_019dcfb2-b035-7585-853c-3e4322a52918" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_019dcfb2-b035-7851-9f98-411d8b103ea5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearRecoveries_019dcfb2-b035-741c-b50f-428eba1cf068" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOffRecoveriesNet_019dcfb2-b035-7585-853c-3e4322a52918" xlink:to="loc_afrm_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearRecoveries_019dcfb2-b035-741c-b50f-428eba1cf068" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_019dcfb2-b035-7694-a049-725202a03d84" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_019dcfb2-b035-7c7b-93a0-6de6a1369117" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_019dcfb2-b035-7694-a049-725202a03d84" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_019dcfb2-b035-7c7b-93a0-6de6a1369117" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearRecoveries_019dcfb2-b035-7a46-b794-dd2b970e3506" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_019dcfb2-b035-7694-a049-725202a03d84" xlink:to="loc_afrm_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearRecoveries_019dcfb2-b035-7a46-b794-dd2b970e3506" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_019dcfb2-b035-7549-ae8c-ab8a8ad4c1ee" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_019dcfb2-b035-7e56-b8d1-2652e5836cef" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_019dcfb2-b035-7549-ae8c-ab8a8ad4c1ee" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_019dcfb2-b035-7e56-b8d1-2652e5836cef" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearRecoveries_019dcfb2-b035-7fcf-8503-a969a9f64091" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_019dcfb2-b035-7549-ae8c-ab8a8ad4c1ee" xlink:to="loc_afrm_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearRecoveries_019dcfb2-b035-7fcf-8503-a969a9f64091" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_019dcfb2-b035-783a-afe9-c4afe826fa47" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_019dcfb2-b035-72f0-84a6-1efcca870f5b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_019dcfb2-b035-783a-afe9-c4afe826fa47" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_019dcfb2-b035-72f0-84a6-1efcca870f5b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearRecoveries_019dcfb2-b035-760e-bf58-a87a48a00819" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_019dcfb2-b035-783a-afe9-c4afe826fa47" xlink:to="loc_afrm_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearRecoveries_019dcfb2-b035-760e-bf58-a87a48a00819" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_019dcfb2-b035-7c4b-b00d-8f0ae52dc9bf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearRecoveries_019dcfb2-b035-7346-99ca-6d74a233ac3e" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_019dcfb2-b035-7c4b-b00d-8f0ae52dc9bf" xlink:to="loc_afrm_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearRecoveries_019dcfb2-b035-7346-99ca-6d74a233ac3e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearRecoveries_019dcfb2-b035-78ec-99e3-33dab748044d" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_019dcfb2-b035-7c4b-b00d-8f0ae52dc9bf" xlink:to="loc_afrm_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearRecoveries_019dcfb2-b035-78ec-99e3-33dab748044d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearRecoveries_019dcfb2-b035-7cef-a71e-6eee19bbbc72" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_019dcfb2-b035-7c4b-b00d-8f0ae52dc9bf" xlink:to="loc_afrm_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearRecoveries_019dcfb2-b035-7cef-a71e-6eee19bbbc72" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearRecoveries_019dcfb2-b035-7e2f-b78a-add3b43b9638" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_019dcfb2-b035-7c4b-b00d-8f0ae52dc9bf" xlink:to="loc_afrm_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearRecoveries_019dcfb2-b035-7e2f-b78a-add3b43b9638" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearRecoveries_019dcfb2-b035-7bc9-9725-370d4baff096" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_019dcfb2-b035-7c4b-b00d-8f0ae52dc9bf" xlink:to="loc_afrm_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearRecoveries_019dcfb2-b035-7bc9-9725-370d4baff096" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearRecoveries_019dcfb2-b035-7879-856f-7b2e9d2366aa" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_019dcfb2-b035-7c4b-b00d-8f0ae52dc9bf" xlink:to="loc_afrm_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearRecoveries_019dcfb2-b035-7879-856f-7b2e9d2366aa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_019dcfb2-b035-7004-8881-81918ec59521" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019dcfb2-b035-7d29-8150-711627623429" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_019dcfb2-b035-7004-8881-81918ec59521" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019dcfb2-b035-7d29-8150-711627623429" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_019dcfb2-b035-78e1-9de2-3f46cef39c48" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_019dcfb2-b035-7004-8881-81918ec59521" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_019dcfb2-b035-78e1-9de2-3f46cef39c48" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019dcfb2-b035-728c-a7af-bf881d17b8dc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_019dcfb2-b035-73fb-a8ea-302095905e48" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019dcfb2-b035-728c-a7af-bf881d17b8dc" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_019dcfb2-b035-73fb-a8ea-302095905e48" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_019dcfb2-b035-7dd6-9ff1-549c65cf928a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019dcfb2-b035-728c-a7af-bf881d17b8dc" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_019dcfb2-b035-7dd6-9ff1-549c65cf928a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_019dcfb2-b035-7fac-a060-f315477795ab" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019dcfb2-b035-728c-a7af-bf881d17b8dc" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_019dcfb2-b035-7fac-a060-f315477795ab" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_019dcfb2-b035-7dbe-951b-1eb12b9f37aa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019dcfb2-b035-728c-a7af-bf881d17b8dc" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_019dcfb2-b035-7dbe-951b-1eb12b9f37aa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_019dcfb2-b035-722a-81fc-4ae45e301250" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019dcfb2-b035-728c-a7af-bf881d17b8dc" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_019dcfb2-b035-722a-81fc-4ae45e301250" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_019dcfb2-b035-7abc-b3cf-4ace4787e535" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019dcfb2-b035-728c-a7af-bf881d17b8dc" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_019dcfb2-b035-7abc-b3cf-4ace4787e535" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/BalanceSheetComponentsScheduleofPropertyEquipmentandSoftwareNetDetails" xlink:type="simple" xlink:href="afrm-20260331.xsd#BalanceSheetComponentsScheduleofPropertyEquipmentandSoftwareNetDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/BalanceSheetComponentsScheduleofPropertyEquipmentandSoftwareNetDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_019dcfb2-b035-7827-8870-9571534c0098" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentGross_019dcfb2-b035-7df0-8524-5d0f39279cb1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentNet_019dcfb2-b035-7827-8870-9571534c0098" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentGross_019dcfb2-b035-7df0-8524-5d0f39279cb1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_019dcfb2-b035-7ed1-ac46-c80fee6d2586" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentNet_019dcfb2-b035-7827-8870-9571534c0098" xlink:to="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_019dcfb2-b035-7ed1-ac46-c80fee6d2586" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/BalanceSheetComponentsScheduleofIntangibleAssetsDetails" xlink:type="simple" xlink:href="afrm-20260331.xsd#BalanceSheetComponentsScheduleofIntangibleAssetsDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/BalanceSheetComponentsScheduleofIntangibleAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_afrm_IntangibleAssetsNetExcludingGoodwillAndNotYetPlacedIntoService_019dcfb2-b035-7427-a80e-b24d163f2297" xlink:href="afrm-20260331.xsd#afrm_IntangibleAssetsNetExcludingGoodwillAndNotYetPlacedIntoService"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019dcfb2-b035-702d-b67e-63cf20980aea" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_IntangibleAssetsNetExcludingGoodwillAndNotYetPlacedIntoService_019dcfb2-b035-7427-a80e-b24d163f2297" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019dcfb2-b035-702d-b67e-63cf20980aea" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_019dcfb2-b035-7cf2-8cff-8400ca174de9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_IntangibleAssetsNetExcludingGoodwillAndNotYetPlacedIntoService_019dcfb2-b035-7427-a80e-b24d163f2297" xlink:to="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_019dcfb2-b035-7cf2-8cff-8400ca174de9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019dcfb2-b035-71c8-a9c4-d870c09d88de" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_019dcfb2-b035-7933-b6e3-373f8b1ede28" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019dcfb2-b035-71c8-a9c4-d870c09d88de" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_019dcfb2-b035-7933-b6e3-373f8b1ede28" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019dcfb2-b035-7858-b627-9b6dbef3158b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019dcfb2-b035-71c8-a9c4-d870c09d88de" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019dcfb2-b035-7858-b627-9b6dbef3158b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_019dcfb2-b035-74af-ad33-0e16b60bedd7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IntangibleAssetsGrossExcludingGoodwill"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_019dcfb2-b035-73de-a7d7-450ffcc0599c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_019dcfb2-b035-74af-ad33-0e16b60bedd7" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_019dcfb2-b035-73de-a7d7-450ffcc0599c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_019dcfb2-b035-7719-b363-803aa063207f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_019dcfb2-b035-74af-ad33-0e16b60bedd7" xlink:to="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_019dcfb2-b035-7719-b363-803aa063207f" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/BalanceSheetComponentsScheduleofIntangibleAssetsDetails_1" xlink:type="simple" xlink:href="afrm-20260331.xsd#BalanceSheetComponentsScheduleofIntangibleAssetsDetails_1"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/BalanceSheetComponentsScheduleofIntangibleAssetsDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_afrm_IntangibleAssetsNetExcludingGoodwillAndNotYetPlacedIntoService_019dcfb2-b035-76da-b175-c064aee146b8" xlink:href="afrm-20260331.xsd#afrm_IntangibleAssetsNetExcludingGoodwillAndNotYetPlacedIntoService"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_019dcfb2-b035-76b6-89c2-d47088496144" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IntangibleAssetsGrossExcludingGoodwill"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_IntangibleAssetsNetExcludingGoodwillAndNotYetPlacedIntoService_019dcfb2-b035-76da-b175-c064aee146b8" xlink:to="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_019dcfb2-b035-76b6-89c2-d47088496144" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019dcfb2-b035-759c-9484-a18bccf83b74" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_IntangibleAssetsNetExcludingGoodwillAndNotYetPlacedIntoService_019dcfb2-b035-76da-b175-c064aee146b8" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019dcfb2-b035-759c-9484-a18bccf83b74" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/BalanceSheetComponentsScheduleofOtherAssetsDetails" xlink:type="simple" xlink:href="afrm-20260331.xsd#BalanceSheetComponentsScheduleofOtherAssetsDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/BalanceSheetComponentsScheduleofOtherAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_019dcfb2-b035-7e9d-bdf4-bdc5e4801742" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_CashDepositsProcessingReserves_019dcfb2-b035-7d22-8993-f30a03a64067" xlink:href="afrm-20260331.xsd#afrm_CashDepositsProcessingReserves"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssets_019dcfb2-b035-7e9d-bdf4-bdc5e4801742" xlink:to="loc_afrm_CashDepositsProcessingReserves_019dcfb2-b035-7d22-8993-f30a03a64067" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidExpenseCurrentAndNoncurrent_019dcfb2-b035-75d6-9af4-d6fea6180139" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PrepaidExpenseCurrentAndNoncurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssets_019dcfb2-b035-7e9d-bdf4-bdc5e4801742" xlink:to="loc_us-gaap_PrepaidExpenseCurrentAndNoncurrent_019dcfb2-b035-75d6-9af4-d6fea6180139" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount_019dcfb2-b035-79ce-9690-121559f8a435" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssets_019dcfb2-b035-7e9d-bdf4-bdc5e4801742" xlink:to="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount_019dcfb2-b035-79ce-9690-121559f8a435" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetsNoncurrent_019dcfb2-b035-7d52-a319-ec1618280823" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssetsNoncurrent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssets_019dcfb2-b035-7e9d-bdf4-bdc5e4801742" xlink:to="loc_us-gaap_DerivativeAssetsNoncurrent_019dcfb2-b035-7d52-a319-ec1618280823" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_PrepaidMerchantIncentives_019dcfb2-b035-7edc-b1dd-23139a4f0c36" xlink:href="afrm-20260331.xsd#afrm_PrepaidMerchantIncentives"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssets_019dcfb2-b035-7e9d-bdf4-bdc5e4801742" xlink:to="loc_afrm_PrepaidMerchantIncentives_019dcfb2-b035-7edc-b1dd-23139a4f0c36" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset_019dcfb2-b035-7642-affa-53fe3502d8fc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseRightOfUseAsset"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssets_019dcfb2-b035-7e9d-bdf4-bdc5e4801742" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAsset_019dcfb2-b035-7642-affa-53fe3502d8fc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_PrepaidPayrollTax_019dcfb2-b035-734a-b66c-277af61b2229" xlink:href="afrm-20260331.xsd#afrm_PrepaidPayrollTax"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssets_019dcfb2-b035-7e9d-bdf4-bdc5e4801742" xlink:to="loc_afrm_PrepaidPayrollTax_019dcfb2-b035-734a-b66c-277af61b2229" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsForeign_019dcfb2-b035-7c98-a869-7102c2302423" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsForeign"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssets_019dcfb2-b035-7e9d-bdf4-bdc5e4801742" xlink:to="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsForeign_019dcfb2-b035-7c98-a869-7102c2302423" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsMiscellaneous_019dcfb2-b035-7540-a642-f100c46d994b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssetsMiscellaneous"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssets_019dcfb2-b035-7e9d-bdf4-bdc5e4801742" xlink:to="loc_us-gaap_OtherAssetsMiscellaneous_019dcfb2-b035-7540-a642-f100c46d994b" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/BalanceSheetComponentsScheduleofAccruedExpensesandOtherLiabilitiesDetails" xlink:type="simple" xlink:href="afrm-20260331.xsd#BalanceSheetComponentsScheduleofAccruedExpensesandOtherLiabilitiesDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/BalanceSheetComponentsScheduleofAccruedExpensesandOtherLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_019dcfb2-b035-7b76-8614-7ccb6de06e77" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccruedLiabilitiesAndOtherLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent_019dcfb2-b035-7eb1-b4b0-cd4f020e3c6e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccruedLiabilitiesCurrentAndNoncurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_019dcfb2-b035-7b76-8614-7ccb6de06e77" xlink:to="loc_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent_019dcfb2-b035-7eb1-b4b0-cd4f020e3c6e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability_019dcfb2-b035-7883-8b25-02c66da4e210" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_019dcfb2-b035-7b76-8614-7ccb6de06e77" xlink:to="loc_us-gaap_OperatingLeaseLiability_019dcfb2-b035-7883-8b25-02c66da4e210" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_019dcfb2-b035-7d6a-a9ba-9c83b64e0dcd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherLiabilities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_019dcfb2-b035-7b76-8614-7ccb6de06e77" xlink:to="loc_us-gaap_OtherLiabilities_019dcfb2-b035-7d6a-a9ba-9c83b64e0dcd" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/LeasesScheduleofFutureMinimumLeasePaymentsDetails" xlink:type="simple" xlink:href="afrm-20260331.xsd#LeasesScheduleofFutureMinimumLeasePaymentsDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/LeasesScheduleofFutureMinimumLeasePaymentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_019dcfb2-b0f1-7c78-b504-4a16b3f8d54b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability_019dcfb2-b0f1-705c-ba3b-a7cbffe5c8b8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_019dcfb2-b0f1-7c78-b504-4a16b3f8d54b" xlink:to="loc_us-gaap_OperatingLeaseLiability_019dcfb2-b0f1-705c-ba3b-a7cbffe5c8b8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_019dcfb2-b0f1-7955-b24d-8034d9878e8c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_019dcfb2-b0f1-7c78-b504-4a16b3f8d54b" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_019dcfb2-b0f1-7955-b24d-8034d9878e8c" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/LeasesScheduleofFutureMinimumLeasePaymentsDetails_1" xlink:type="simple" xlink:href="afrm-20260331.xsd#LeasesScheduleofFutureMinimumLeasePaymentsDetails_1"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/LeasesScheduleofFutureMinimumLeasePaymentsDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_019dcfb2-b035-7289-bfac-418aed17ee71" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_019dcfb2-b035-7997-8cfe-cdbdc9a43857" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_019dcfb2-b035-7289-bfac-418aed17ee71" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_019dcfb2-b035-7997-8cfe-cdbdc9a43857" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_019dcfb2-b035-7dad-8e2f-e9c6848527c8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_019dcfb2-b035-7289-bfac-418aed17ee71" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_019dcfb2-b035-7dad-8e2f-e9c6848527c8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_LesseeOperatingLeaseLiabilityToBePaidYearFourAndAfterYearFour_019dcfb2-b035-70de-9f37-928cd6552187" xlink:href="afrm-20260331.xsd#afrm_LesseeOperatingLeaseLiabilityToBePaidYearFourAndAfterYearFour"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_019dcfb2-b035-7289-bfac-418aed17ee71" xlink:to="loc_afrm_LesseeOperatingLeaseLiabilityToBePaidYearFourAndAfterYearFour_019dcfb2-b035-70de-9f37-928cd6552187" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_019dcfb2-b035-7c10-91db-49c517cf77fc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_019dcfb2-b035-7289-bfac-418aed17ee71" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_019dcfb2-b035-7c10-91db-49c517cf77fc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_019dcfb2-b035-7834-8873-683afa9eacbf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_019dcfb2-b035-7289-bfac-418aed17ee71" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_019dcfb2-b035-7834-8873-683afa9eacbf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_019dcfb2-b0f1-7cbe-95d1-98e5b8d5dbd6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_019dcfb2-b035-7289-bfac-418aed17ee71" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_019dcfb2-b0f1-7cbe-95d1-98e5b8d5dbd6" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/DebtScheduleofComponentsSecuredandUnsecuredDebtDetails" xlink:type="simple" xlink:href="afrm-20260331.xsd#DebtScheduleofComponentsSecuredandUnsecuredDebtDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/DebtScheduleofComponentsSecuredandUnsecuredDebtDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_afrm_TotalLineOfCreditFacilityMaximumBorrowingCapacityAndDebtInstrumentFaceAmount_019dcfb2-b0f1-7bc6-892d-e3026c4674fd" xlink:href="afrm-20260331.xsd#afrm_TotalLineOfCreditFacilityMaximumBorrowingCapacityAndDebtInstrumentFaceAmount"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_019dcfb2-b0f1-7916-a94a-61b10853600e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_TotalLineOfCreditFacilityMaximumBorrowingCapacityAndDebtInstrumentFaceAmount_019dcfb2-b0f1-7bc6-892d-e3026c4674fd" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_019dcfb2-b0f1-7916-a94a-61b10853600e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_019dcfb2-b0f1-76dc-ba23-49dbf13db9f7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_TotalLineOfCreditFacilityMaximumBorrowingCapacityAndDebtInstrumentFaceAmount_019dcfb2-b0f1-7bc6-892d-e3026c4674fd" xlink:to="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_019dcfb2-b0f1-76dc-ba23-49dbf13db9f7" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/DebtScheduleofAggregateFutureMaturitiesDetails" xlink:type="simple" xlink:href="afrm-20260331.xsd#DebtScheduleofAggregateFutureMaturitiesDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/DebtScheduleofAggregateFutureMaturitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_019dcfb2-b0f1-74ec-b86f-c59afcf7cea5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebt"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_019dcfb2-b0f1-7806-9f7f-676ac5ad7464" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_019dcfb2-b0f1-74ec-b86f-c59afcf7cea5" xlink:to="loc_us-gaap_DebtInstrumentCarryingAmount_019dcfb2-b0f1-7806-9f7f-676ac5ad7464" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFinanceCostsNet_019dcfb2-b0f1-7b2e-89b2-86da4814952f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredFinanceCostsNet"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_019dcfb2-b0f1-74ec-b86f-c59afcf7cea5" xlink:to="loc_us-gaap_DeferredFinanceCostsNet_019dcfb2-b0f1-7b2e-89b2-86da4814952f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_019dcfb2-b0f1-7832-b3f0-9f9bd0f4951a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear_019dcfb2-b0f1-7966-8d63-a100e82c95d2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_019dcfb2-b0f1-7832-b3f0-9f9bd0f4951a" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear_019dcfb2-b0f1-7966-8d63-a100e82c95d2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_019dcfb2-b0f1-7e71-bf3f-393f3dfea127" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_019dcfb2-b0f1-7832-b3f0-9f9bd0f4951a" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_019dcfb2-b0f1-7e71-bf3f-393f3dfea127" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_019dcfb2-b0f1-710f-8838-ff497600eec5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_019dcfb2-b0f1-7832-b3f0-9f9bd0f4951a" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_019dcfb2-b0f1-710f-8838-ff497600eec5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_019dcfb2-b0f1-71dc-8d6b-d5fc57b423c5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_019dcfb2-b0f1-7832-b3f0-9f9bd0f4951a" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_019dcfb2-b0f1-71dc-8d6b-d5fc57b423c5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_019dcfb2-b0f1-7382-9de3-6cf22db15268" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_019dcfb2-b0f1-7832-b3f0-9f9bd0f4951a" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_019dcfb2-b0f1-7382-9de3-6cf22db15268" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_LongTermDebtMaturityAfterYearFour_019dcfb2-b0f1-7870-b586-9ba1e10217a1" xlink:href="afrm-20260331.xsd#afrm_LongTermDebtMaturityAfterYearFour"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_019dcfb2-b0f1-7832-b3f0-9f9bd0f4951a" xlink:to="loc_afrm_LongTermDebtMaturityAfterYearFour_019dcfb2-b0f1-7870-b586-9ba1e10217a1" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/DebtScheduleofInterestExpenseRecognizedRelatedtotheConvertibleSeniorNotesDetails" xlink:type="simple" xlink:href="afrm-20260331.xsd#DebtScheduleofInterestExpenseRecognizedRelatedtotheConvertibleSeniorNotesDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/DebtScheduleofInterestExpenseRecognizedRelatedtotheConvertibleSeniorNotesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDebt_019dcfb2-b0f1-71b8-8b9c-91964ae0fa20" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseDebt"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfFinancingCosts_019dcfb2-b0f1-7dac-a9a0-0ca791f614fa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AmortizationOfFinancingCosts"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseDebt_019dcfb2-b0f1-71b8-8b9c-91964ae0fa20" xlink:to="loc_us-gaap_AmortizationOfFinancingCosts_019dcfb2-b0f1-7dac-a9a0-0ca791f614fa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_019dcfb2-b0f1-779e-95e8-a56bdc0a717b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseDebt_019dcfb2-b0f1-71b8-8b9c-91964ae0fa20" xlink:to="loc_us-gaap_InterestExpense_019dcfb2-b0f1-779e-95e8-a56bdc0a717b" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/InvestmentsScheduleofSecuritiesAvailableforSaleWithUnrealizedLossesDetails" xlink:type="simple" xlink:href="afrm-20260331.xsd#InvestmentsScheduleofSecuritiesAvailableforSaleWithUnrealizedLossesDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/InvestmentsScheduleofSecuritiesAvailableforSaleWithUnrealizedLossesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019dcfb2-b0f1-7ba8-9f8e-71e3fa330dd9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019dcfb2-b0f1-7706-aba1-21abe3b3aed7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019dcfb2-b0f1-7ba8-9f8e-71e3fa330dd9" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019dcfb2-b0f1-7706-aba1-21abe3b3aed7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019dcfb2-b0f1-71ed-bb13-2af2a49ea28a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019dcfb2-b0f1-7ba8-9f8e-71e3fa330dd9" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019dcfb2-b0f1-71ed-bb13-2af2a49ea28a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019dcfb2-b0f1-79f5-8ae8-bf746d0f4a50" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019dcfb2-b0f1-7401-9571-46b4d1b8963a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019dcfb2-b0f1-79f5-8ae8-bf746d0f4a50" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019dcfb2-b0f1-7401-9571-46b4d1b8963a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019dcfb2-b0f1-7383-a16a-4f87203aa845" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019dcfb2-b0f1-79f5-8ae8-bf746d0f4a50" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019dcfb2-b0f1-7383-a16a-4f87203aa845" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/InvestmentsScheduleofContractualMaturitiesofSecuritiesAvailableforSaleDetails" xlink:type="simple" xlink:href="afrm-20260331.xsd#InvestmentsScheduleofContractualMaturitiesofSecuritiesAvailableforSaleDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/InvestmentsScheduleofContractualMaturitiesofSecuritiesAvailableforSaleDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_afrm_DebtSecuritiesAvailableForSaleIncludingCashAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019dcfb2-b0f1-7db0-a79d-5d1f05fbafbd" xlink:href="afrm-20260331.xsd#afrm_DebtSecuritiesAvailableForSaleIncludingCashAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_DebtSecuritiesAvailableForSaleIncludingCashMaturityAllocatedAndSingleMaturityDateRollingWithinOneYearAmortizedCost_019dcfb2-b0f1-71a4-889f-b9be54a56822" xlink:href="afrm-20260331.xsd#afrm_DebtSecuritiesAvailableForSaleIncludingCashMaturityAllocatedAndSingleMaturityDateRollingWithinOneYearAmortizedCost"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_DebtSecuritiesAvailableForSaleIncludingCashAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019dcfb2-b0f1-7db0-a79d-5d1f05fbafbd" xlink:to="loc_afrm_DebtSecuritiesAvailableForSaleIncludingCashMaturityAllocatedAndSingleMaturityDateRollingWithinOneYearAmortizedCost_019dcfb2-b0f1-71a4-889f-b9be54a56822" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_DebtSecuritiesAvailableForSaleIncludingCashMaturityAllocatedAndSingleMaturityDateRollingAfterOneThroughFiveYearsAmortizedCost_019dcfb2-b0f1-7ec9-9cb7-131bf6fd62b7" xlink:href="afrm-20260331.xsd#afrm_DebtSecuritiesAvailableForSaleIncludingCashMaturityAllocatedAndSingleMaturityDateRollingAfterOneThroughFiveYearsAmortizedCost"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_DebtSecuritiesAvailableForSaleIncludingCashAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019dcfb2-b0f1-7db0-a79d-5d1f05fbafbd" xlink:to="loc_afrm_DebtSecuritiesAvailableForSaleIncludingCashMaturityAllocatedAndSingleMaturityDateRollingAfterOneThroughFiveYearsAmortizedCost_019dcfb2-b0f1-7ec9-9cb7-131bf6fd62b7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019dcfb2-b0f1-7ffc-a85d-6428a97f639c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_019dcfb2-b0f1-74db-a5de-25ddb91dcd11" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019dcfb2-b0f1-7ffc-a85d-6428a97f639c" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_019dcfb2-b0f1-74db-a5de-25ddb91dcd11" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis_019dcfb2-b0f1-795a-acbc-f94ca6134087" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019dcfb2-b0f1-7ffc-a85d-6428a97f639c" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis_019dcfb2-b0f1-795a-acbc-f94ca6134087" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_DebtSecuritiesAvailableForSaleIncludingCashExcludingAccruedInterest_019dcfb2-b0f1-7b4e-8092-50792ac078c5" xlink:href="afrm-20260331.xsd#afrm_DebtSecuritiesAvailableForSaleIncludingCashExcludingAccruedInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_DebtSecuritiesAvailableForSaleIncludingCashMaturityAllocatedAndSingleMaturityDateRollingWithinOneYearFairValue_019dcfb2-b0f1-7b23-8711-b44b12e7b1b9" xlink:href="afrm-20260331.xsd#afrm_DebtSecuritiesAvailableForSaleIncludingCashMaturityAllocatedAndSingleMaturityDateRollingWithinOneYearFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_DebtSecuritiesAvailableForSaleIncludingCashExcludingAccruedInterest_019dcfb2-b0f1-7b4e-8092-50792ac078c5" xlink:to="loc_afrm_DebtSecuritiesAvailableForSaleIncludingCashMaturityAllocatedAndSingleMaturityDateRollingWithinOneYearFairValue_019dcfb2-b0f1-7b23-8711-b44b12e7b1b9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_DebtSecuritiesAvailableForSaleIncludingCashMaturityAllocatedAndSingleMaturityDateRollingAfterOneThroughFiveYearsFairValue_019dcfb2-b0f1-7df1-b340-7f330641d492" xlink:href="afrm-20260331.xsd#afrm_DebtSecuritiesAvailableForSaleIncludingCashMaturityAllocatedAndSingleMaturityDateRollingAfterOneThroughFiveYearsFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_DebtSecuritiesAvailableForSaleIncludingCashExcludingAccruedInterest_019dcfb2-b0f1-7b4e-8092-50792ac078c5" xlink:to="loc_afrm_DebtSecuritiesAvailableForSaleIncludingCashMaturityAllocatedAndSingleMaturityDateRollingAfterOneThroughFiveYearsFairValue_019dcfb2-b0f1-7df1-b340-7f330641d492" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019dcfb2-b0f1-7b0e-b981-d179f0adb68f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_019dcfb2-b0f1-7153-b852-93e3f032712f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019dcfb2-b0f1-7b0e-b981-d179f0adb68f" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_019dcfb2-b0f1-7153-b852-93e3f032712f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_019dcfb2-b0f1-7be1-a39b-86596ce6a5f7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019dcfb2-b0f1-7b0e-b981-d179f0adb68f" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_019dcfb2-b0f1-7be1-a39b-86596ce6a5f7" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesScheduleofAssetsandLiabilitiesMeasuredatFairValueonRecurringBasisDetails" xlink:type="simple" xlink:href="afrm-20260331.xsd#FairValueofFinancialAssetsandLiabilitiesScheduleofAssetsandLiabilitiesMeasuredatFairValueonRecurringBasisDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesScheduleofAssetsandLiabilitiesMeasuredatFairValueonRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_019dcfb2-b0f1-7749-90ec-5bc3e4180f2c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilityAtFairValueAmount_019dcfb2-b0f1-7252-a4c1-402ecbb4187a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ServicingLiabilityAtFairValueAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_019dcfb2-b0f1-7749-90ec-5bc3e4180f2c" xlink:to="loc_us-gaap_ServicingLiabilityAtFairValueAmount_019dcfb2-b0f1-7252-a4c1-402ecbb4187a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_PerformanceFeeLiabilityFairValueDisclosure_019dcfb2-b0f1-7753-8c13-056c329782dd" xlink:href="afrm-20260331.xsd#afrm_PerformanceFeeLiabilityFairValueDisclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_019dcfb2-b0f1-7749-90ec-5bc3e4180f2c" xlink:to="loc_afrm_PerformanceFeeLiabilityFairValueDisclosure_019dcfb2-b0f1-7753-8c13-056c329782dd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_CommercialAgreementProfitShareLiabilityFairValueDisclosure_019dcfb2-b0f1-75a9-a98c-f83998150a35" xlink:href="afrm-20260331.xsd#afrm_CommercialAgreementProfitShareLiabilityFairValueDisclosure"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_019dcfb2-b0f1-7749-90ec-5bc3e4180f2c" xlink:to="loc_afrm_CommercialAgreementProfitShareLiabilityFairValueDisclosure_019dcfb2-b0f1-75a9-a98c-f83998150a35" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_RiskSharingLiability_019dcfb2-b0f1-7b5d-9915-459aeb9b0c03" xlink:href="afrm-20260331.xsd#afrm_RiskSharingLiability"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_019dcfb2-b0f1-7749-90ec-5bc3e4180f2c" xlink:to="loc_afrm_RiskSharingLiability_019dcfb2-b0f1-7b5d-9915-459aeb9b0c03" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_019dcfb2-b0f1-7dce-b6a1-15eaabd4d919" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilities"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_019dcfb2-b0f1-7749-90ec-5bc3e4180f2c" xlink:to="loc_us-gaap_DerivativeLiabilities_019dcfb2-b0f1-7dce-b6a1-15eaabd4d919" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_019dcfb2-b0f1-793f-b42c-4d263b8d8251" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019dcfb2-b0f1-7760-a0da-65105b572aa7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019dcfb2-b0f1-793f-b42c-4d263b8d8251" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019dcfb2-b0f1-7760-a0da-65105b572aa7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAsset_019dcfb2-b0f1-70b9-bd78-bed2d8c3b91b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ServicingAsset"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019dcfb2-b0f1-793f-b42c-4d263b8d8251" xlink:to="loc_us-gaap_ServicingAsset_019dcfb2-b0f1-70b9-bd78-bed2d8c3b91b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_019dcfb2-b0f1-72f3-8ffb-6a5456638e2b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssets"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019dcfb2-b0f1-793f-b42c-4d263b8d8251" xlink:to="loc_us-gaap_DerivativeAssets_019dcfb2-b0f1-72f3-8ffb-6a5456638e2b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_RiskSharingAsset_019dcfb2-b0f1-74e4-a4e1-9137683c3923" xlink:href="afrm-20260331.xsd#afrm_RiskSharingAsset"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019dcfb2-b0f1-793f-b42c-4d263b8d8251" xlink:to="loc_afrm_RiskSharingAsset_019dcfb2-b0f1-74e4-a4e1-9137683c3923" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019dcfb2-b0f1-70c9-abfe-6e7759e5d2bb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019dcfb2-b0f1-793f-b42c-4d263b8d8251" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019dcfb2-b0f1-70c9-abfe-6e7759e5d2bb" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesFairValueofFinancialAssetsandLiabilitiesScheduleofFairValueHierarchyforFinancialAssetsandLiabilitiesHeldatAmortizedCostDetailsDetails" xlink:type="simple" xlink:href="afrm-20260331.xsd#FairValueofFinancialAssetsandLiabilitiesFairValueofFinancialAssetsandLiabilitiesScheduleofFairValueHierarchyforFinancialAssetsandLiabilitiesHeldatAmortizedCostDetailsDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesFairValueofFinancialAssetsandLiabilitiesScheduleofFairValueHierarchyforFinancialAssetsandLiabilitiesHeldatAmortizedCostDetailsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_afrm_DebtLiabilitiesFairValueDisclosure_019dcfb2-b0f1-7fe1-97bd-1408ab40d8b7" xlink:href="afrm-20260331.xsd#afrm_DebtLiabilitiesFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertibleDebtFairValueDisclosures_019dcfb2-b0f1-7f83-8e51-fb9c6192c66a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConvertibleDebtFairValueDisclosures"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_DebtLiabilitiesFairValueDisclosure_019dcfb2-b0f1-7fe1-97bd-1408ab40d8b7" xlink:to="loc_us-gaap_ConvertibleDebtFairValueDisclosures_019dcfb2-b0f1-7f83-8e51-fb9c6192c66a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesPayableFairValueDisclosure_019dcfb2-b0f1-741f-b9eb-b85db0256446" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NotesPayableFairValueDisclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_DebtLiabilitiesFairValueDisclosure_019dcfb2-b0f1-7fe1-97bd-1408ab40d8b7" xlink:to="loc_us-gaap_NotesPayableFairValueDisclosure_019dcfb2-b0f1-741f-b9eb-b85db0256446" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LinesOfCreditFairValueDisclosure_019dcfb2-b0f1-7f6a-a0e1-3dee8343a8a5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LinesOfCreditFairValueDisclosure"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_DebtLiabilitiesFairValueDisclosure_019dcfb2-b0f1-7fe1-97bd-1408ab40d8b7" xlink:to="loc_us-gaap_LinesOfCreditFairValueDisclosure_019dcfb2-b0f1-7f6a-a0e1-3dee8343a8a5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableAssetsFairValueDisclosure_019dcfb2-b0f1-79c8-8b20-c6c141673fbc" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableAssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableFairValueDisclosure_019dcfb2-b0f1-71e3-b495-fc1d651c0eb3" xlink:href="afrm-20260331.xsd#afrm_FinancingReceivableFairValueDisclosure"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableAssetsFairValueDisclosure_019dcfb2-b0f1-79c8-8b20-c6c141673fbc" xlink:to="loc_afrm_FinancingReceivableFairValueDisclosure_019dcfb2-b0f1-71e3-b495-fc1d651c0eb3" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/EquityIncentivePlansScheduleofComponentsandClassificationofStockBasedCompensationDetails" xlink:type="simple" xlink:href="afrm-20260331.xsd#EquityIncentivePlansScheduleofComponentsandClassificationofStockBasedCompensationDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/EquityIncentivePlansScheduleofComponentsandClassificationofStockBasedCompensationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardCompensationCost1_019dcfb2-b0f1-71d0-b61f-c14787e2b467" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardCompensationCost1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpense_019dcfb2-b0f1-7578-ae20-a7a2ae1e5e42" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AllocatedShareBasedCompensationExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardCompensationCost1_019dcfb2-b0f1-71d0-b61f-c14787e2b467" xlink:to="loc_us-gaap_AllocatedShareBasedCompensationExpense_019dcfb2-b0f1-7578-ae20-a7a2ae1e5e42" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount_019dcfb2-b0f1-7561-94e3-cde55a9871b1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardCompensationCost1_019dcfb2-b0f1-71d0-b61f-c14787e2b467" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount_019dcfb2-b0f1-7561-94e3-cde55a9871b1" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/NetIncomeLossperShareAttributabletoCommonStockholdersScheduleofBasicandDilutedNetIncomeLossPerShareDetails" xlink:type="simple" xlink:href="afrm-20260331.xsd#NetIncomeLossperShareAttributabletoCommonStockholdersScheduleofBasicandDilutedNetIncomeLossPerShareDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/NetIncomeLossperShareAttributabletoCommonStockholdersScheduleofBasicandDilutedNetIncomeLossPerShareDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019dcfb2-b0f1-77e5-bc7c-648780f8e50d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019dcfb2-b0f1-78f1-a1be-fb564643487d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019dcfb2-b0f1-77e5-bc7c-648780f8e50d" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019dcfb2-b0f1-78f1-a1be-fb564643487d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_019dcfb2-b0f1-77e0-986a-acaf2f32c904" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019dcfb2-b0f1-77e5-bc7c-648780f8e50d" xlink:to="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_019dcfb2-b0f1-77e0-986a-acaf2f32c904" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
