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

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2022 Workiva-->
<!--r:962f1555-c2d5-4fc4-b7bf-9adaf3bc2ae5,g:ce61e880-7799-4007-af5d-fd1ec9a25d5d-->
<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:roleRef roleURI="http://www.affirm.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETS" xlink:type="simple" xlink:href="afrm-20211231.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_StockholdersEquity_f7a3f97e-8ac1-41c7-ba8d-5eede6116938" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_a2090cf0-f22d-44d3-8653-8234b3b9deb2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_f7a3f97e-8ac1-41c7-ba8d-5eede6116938" xlink:to="loc_us-gaap_CommonStockValue_a2090cf0-f22d-44d3-8653-8234b3b9deb2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_4984aa8a-58be-4f01-bd6d-031134080d92" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_f7a3f97e-8ac1-41c7-ba8d-5eede6116938" xlink:to="loc_us-gaap_AdditionalPaidInCapital_4984aa8a-58be-4f01-bd6d-031134080d92" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_968ee4a7-dfb7-4fb2-82be-17f5b8d69788" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_f7a3f97e-8ac1-41c7-ba8d-5eede6116938" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_968ee4a7-dfb7-4fb2-82be-17f5b8d69788" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_7f297585-addd-4999-9e7c-b26c1d094a18" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_f7a3f97e-8ac1-41c7-ba8d-5eede6116938" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_7f297585-addd-4999-9e7c-b26c1d094a18" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_7a3d7f6d-7316-48dc-881e-b17ea5639cc8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableGross_f753081d-194e-4aca-93db-cdfa9d44d59d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_7a3d7f6d-7316-48dc-881e-b17ea5639cc8" xlink:to="loc_us-gaap_NotesReceivableGross_f753081d-194e-4aca-93db-cdfa9d44d59d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses_fa297714-cb38-4fb2-bdf5-e7c5b5446b08" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_7a3d7f6d-7316-48dc-881e-b17ea5639cc8" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses_fa297714-cb38-4fb2-bdf5-e7c5b5446b08" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_faaecf78-9bca-4279-b850-6638275574e6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableCurrentAndNoncurrent_cf693579-5754-40cb-95ed-4edcbdf1749b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountsPayableCurrentAndNoncurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_faaecf78-9bca-4279-b850-6638275574e6" xlink:to="loc_us-gaap_AccountsPayableCurrentAndNoncurrent_cf693579-5754-40cb-95ed-4edcbdf1749b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_ThirdPartyLoanOwnerPayable_be3032b4-1a0c-46b4-b4fc-365b33487d60" xlink:href="afrm-20211231.xsd#afrm_ThirdPartyLoanOwnerPayable"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_faaecf78-9bca-4279-b850-6638275574e6" xlink:to="loc_afrm_ThirdPartyLoanOwnerPayable_be3032b4-1a0c-46b4-b4fc-365b33487d60" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPayableCurrentAndNoncurrent_495cedf0-e28d-4770-ba1a-5c42fcbf3809" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestPayableCurrentAndNoncurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_faaecf78-9bca-4279-b850-6638275574e6" xlink:to="loc_us-gaap_InterestPayableCurrentAndNoncurrent_495cedf0-e28d-4770-ba1a-5c42fcbf3809" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_432b52cd-34cd-4683-a1a5-672b3197d058" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccruedLiabilitiesAndOtherLiabilities"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_faaecf78-9bca-4279-b850-6638275574e6" xlink:to="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_432b52cd-34cd-4683-a1a5-672b3197d058" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertibleDebt_d58dd402-02d9-48dd-8155-8c98f147b8b1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConvertibleDebt"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_faaecf78-9bca-4279-b850-6638275574e6" xlink:to="loc_us-gaap_ConvertibleDebt_d58dd402-02d9-48dd-8155-8c98f147b8b1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredDebt_4ccdbeb2-5e80-4a19-9043-d47b61154f7c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SecuredDebt"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_faaecf78-9bca-4279-b850-6638275574e6" xlink:to="loc_us-gaap_SecuredDebt_4ccdbeb2-5e80-4a19-9043-d47b61154f7c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCredit_663ecaba-dc69-452b-b71c-1a87307f7cf4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LineOfCredit"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_faaecf78-9bca-4279-b850-6638275574e6" xlink:to="loc_us-gaap_LineOfCredit_663ecaba-dc69-452b-b71c-1a87307f7cf4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_2dc428d6-f75a-48f9-a8b9-99270b942deb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_40cc8c70-59de-4425-bf62-3cf7f12543d4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_2dc428d6-f75a-48f9-a8b9-99270b942deb" xlink:to="loc_us-gaap_Liabilities_40cc8c70-59de-4425-bf62-3cf7f12543d4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_d5216bcf-56ca-4aa1-9c07-96b59de89901" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_2dc428d6-f75a-48f9-a8b9-99270b942deb" xlink:to="loc_us-gaap_CommitmentsAndContingencies_d5216bcf-56ca-4aa1-9c07-96b59de89901" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_e3f9c8b4-3180-42a0-8cc5-77369f5f2db6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockholdersEquity"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_2dc428d6-f75a-48f9-a8b9-99270b942deb" xlink:to="loc_us-gaap_StockholdersEquity_e3f9c8b4-3180-42a0-8cc5-77369f5f2db6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_ddd5c474-cada-45a0-894c-5e02878d5738" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_3fa64809-2f78-4566-8e57-b2742d2e51de" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_ddd5c474-cada-45a0-894c-5e02878d5738" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_3fa64809-2f78-4566-8e57-b2742d2e51de" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash_642e72fa-4261-428f-aec7-92fdad330e80" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedCash"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_ddd5c474-cada-45a0-894c-5e02878d5738" xlink:to="loc_us-gaap_RestrictedCash_642e72fa-4261-428f-aec7-92fdad330e80" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleAmount_999ba17f-866c-4d40-b400-bea71d1e93db" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansReceivableHeldForSaleAmount"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_ddd5c474-cada-45a0-894c-5e02878d5738" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleAmount_999ba17f-866c-4d40-b400-bea71d1e93db" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_a785de01-ce61-4f34-8c37-3e7b2cd9d925" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableNet"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_ddd5c474-cada-45a0-894c-5e02878d5738" xlink:to="loc_us-gaap_NotesReceivableNet_a785de01-ce61-4f34-8c37-3e7b2cd9d925" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherInvestments_040fd03a-3324-4f90-ae1b-2a2935305555" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherInvestments"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_ddd5c474-cada-45a0-894c-5e02878d5738" xlink:to="loc_us-gaap_OtherInvestments_040fd03a-3324-4f90-ae1b-2a2935305555" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableNet_38411a99-dbce-4f73-bae1-f7646abcc3d7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountsReceivableNet"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_ddd5c474-cada-45a0-894c-5e02878d5738" xlink:to="loc_us-gaap_AccountsReceivableNet_38411a99-dbce-4f73-bae1-f7646abcc3d7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_44fc7f4f-af83-44be-8c47-eb019216eb55" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_ddd5c474-cada-45a0-894c-5e02878d5738" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_44fc7f4f-af83-44be-8c47-eb019216eb55" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_001a7076-b70c-42b2-9d23-85c2656a2ecd" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Goodwill"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_ddd5c474-cada-45a0-894c-5e02878d5738" xlink:to="loc_us-gaap_Goodwill_001a7076-b70c-42b2-9d23-85c2656a2ecd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_72e35977-f641-4a0c-98a6-48b5d226c9a0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_ddd5c474-cada-45a0-894c-5e02878d5738" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_72e35977-f641-4a0c-98a6-48b5d226c9a0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_CommercialAgreementAssetNet_799b18cc-dd0e-4d22-8f0f-2c2f8dea0bc5" xlink:href="afrm-20211231.xsd#afrm_CommercialAgreementAssetNet"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_ddd5c474-cada-45a0-894c-5e02878d5738" xlink:to="loc_afrm_CommercialAgreementAssetNet_799b18cc-dd0e-4d22-8f0f-2c2f8dea0bc5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_40ba43db-a09a-46a0-874e-01b4cac410fd" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_ddd5c474-cada-45a0-894c-5e02878d5738" xlink:to="loc_us-gaap_OtherAssets_40ba43db-a09a-46a0-874e-01b4cac410fd" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETSParenthetical" xlink:type="simple" xlink:href="afrm-20211231.xsd#CONDENSEDCONSOLIDATEDBALANCESHEETSParenthetical"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETSParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsNet_f04b48c1-4783-49c7-b520-9b3c3839e65c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssetsNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_4a953503-1af9-42c4-b01b-c26fbef72675" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Assets"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsNet_f04b48c1-4783-49c7-b520-9b3c3839e65c" xlink:to="loc_us-gaap_Assets_4a953503-1af9-42c4-b01b-c26fbef72675" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_f8e7202b-d4b7-4b28-9314-d4c49e2733d8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsNet_f04b48c1-4783-49c7-b520-9b3c3839e65c" xlink:to="loc_us-gaap_Liabilities_f8e7202b-d4b7-4b28-9314-d4c49e2733d8" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVELOSS" xlink:type="simple" xlink:href="afrm-20211231.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVELOSS"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVELOSS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_436939ae-85a4-49da-9327-27e448ca08a4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_df650897-afd3-410c-847f-60e1d0987823" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_436939ae-85a4-49da-9327-27e448ca08a4" xlink:to="loc_us-gaap_OperatingIncomeLoss_df650897-afd3-410c-847f-60e1d0987823" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNonoperatingIncomeExpense_b6e46ae7-e15f-4067-b0a1-67b097b6b155" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherNonoperatingIncomeExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_436939ae-85a4-49da-9327-27e448ca08a4" xlink:to="loc_us-gaap_OtherNonoperatingIncomeExpense_b6e46ae7-e15f-4067-b0a1-67b097b6b155" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_9760f46a-bcbe-4b7d-b4ec-ce577f719244" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_052ba3ed-ec0a-4e4a-b675-e39b46734cbe" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_9760f46a-bcbe-4b7d-b4ec-ce577f719244" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_052ba3ed-ec0a-4e4a-b675-e39b46734cbe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_5a5ce213-20f9-4fe2-9d4b-b2c254eec6a8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_9760f46a-bcbe-4b7d-b4ec-ce577f719244" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_5a5ce213-20f9-4fe2-9d4b-b2c254eec6a8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_1c7617c7-60b0-4e01-acc3-b37e776b215b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_400f12a1-aef6-4954-932e-5f33852097d1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Revenues"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingIncomeLoss_1c7617c7-60b0-4e01-acc3-b37e776b215b" xlink:to="loc_us-gaap_Revenues_400f12a1-aef6-4954-932e-5f33852097d1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CostsAndExpenses_f43fe25e-cee5-4b27-8df6-6c790e0daf4f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CostsAndExpenses"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingIncomeLoss_1c7617c7-60b0-4e01-acc3-b37e776b215b" xlink:to="loc_us-gaap_CostsAndExpenses_f43fe25e-cee5-4b27-8df6-6c790e0daf4f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_e614027c-d96e-4b11-a07d-d7b05793fff7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_03046f9c-9654-41fb-8b95-05aa5fc70395" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_e614027c-d96e-4b11-a07d-d7b05793fff7" xlink:to="loc_us-gaap_NetIncomeLoss_03046f9c-9654-41fb-8b95-05aa5fc70395" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_97f05ce1-e3bc-435d-afe0-c9cefd8ce353" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_e614027c-d96e-4b11-a07d-d7b05793fff7" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_97f05ce1-e3bc-435d-afe0-c9cefd8ce353" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_1ae8a73f-976a-4e9a-8aae-6f44bee1c8b5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_12a5f012-1e69-4e70-a524-9609efd698e9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_1ae8a73f-976a-4e9a-8aae-6f44bee1c8b5" xlink:to="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_12a5f012-1e69-4e70-a524-9609efd698e9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_09c90a79-a666-4b28-a168-c1e8c31d77f9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_1ae8a73f-976a-4e9a-8aae-6f44bee1c8b5" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_09c90a79-a666-4b28-a168-c1e8c31d77f9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_8d42d6f8-7d5c-481c-8284-c9847518732e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Revenues"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_e6ed2c97-acdb-434c-8df3-5e153be6053d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_8d42d6f8-7d5c-481c-8284-c9847518732e" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_e6ed2c97-acdb-434c-8df3-5e153be6053d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_41257a2b-1d0a-4ac3-800f-245fb17aaa2c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_8d42d6f8-7d5c-481c-8284-c9847518732e" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_41257a2b-1d0a-4ac3-800f-245fb17aaa2c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_969e92c7-c108-4aba-be81-3c89e7b07442" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_8d42d6f8-7d5c-481c-8284-c9847518732e" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_969e92c7-c108-4aba-be81-3c89e7b07442" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets_c0e2ac1b-13cb-44fe-9546-8bc3b36315c3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_8d42d6f8-7d5c-481c-8284-c9847518732e" xlink:to="loc_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets_c0e2ac1b-13cb-44fe-9546-8bc3b36315c3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CostsAndExpenses_6abe53e4-6a8a-4254-a133-58be2bf94dfb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CostsAndExpenses"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_LossOnFinancingReceivableCommitmentsToPurchase_ec8b26fb-7caf-4079-9c63-cbbd6c73ed75" xlink:href="afrm-20211231.xsd#afrm_LossOnFinancingReceivableCommitmentsToPurchase"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CostsAndExpenses_6abe53e4-6a8a-4254-a133-58be2bf94dfb" xlink:to="loc_afrm_LossOnFinancingReceivableCommitmentsToPurchase_ec8b26fb-7caf-4079-9c63-cbbd6c73ed75" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_748dc799-a56d-40ec-b638-16ba34c4cc6c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CostsAndExpenses_6abe53e4-6a8a-4254-a133-58be2bf94dfb" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_748dc799-a56d-40ec-b638-16ba34c4cc6c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDebt_63a1ebd9-9f01-4b0d-83a3-3385b6def6a6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestExpenseDebt"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CostsAndExpenses_6abe53e4-6a8a-4254-a133-58be2bf94dfb" xlink:to="loc_us-gaap_InterestExpenseDebt_63a1ebd9-9f01-4b0d-83a3-3385b6def6a6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_ProcessingAndServicingExpense_9b2a9d78-5ced-4c5f-82c4-54c2fa4d310b" xlink:href="afrm-20211231.xsd#afrm_ProcessingAndServicingExpense"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CostsAndExpenses_6abe53e4-6a8a-4254-a133-58be2bf94dfb" xlink:to="loc_afrm_ProcessingAndServicingExpense_9b2a9d78-5ced-4c5f-82c4-54c2fa4d310b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_TechnologyAndDataAnalyticsExpense_aa07085e-8fcb-45c2-8acb-847b161824df" xlink:href="afrm-20211231.xsd#afrm_TechnologyAndDataAnalyticsExpense"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CostsAndExpenses_6abe53e4-6a8a-4254-a133-58be2bf94dfb" xlink:to="loc_afrm_TechnologyAndDataAnalyticsExpense_aa07085e-8fcb-45c2-8acb-847b161824df" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SellingAndMarketingExpense_202cd0ff-cf6c-4092-b978-ae933067b208" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SellingAndMarketingExpense"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CostsAndExpenses_6abe53e4-6a8a-4254-a133-58be2bf94dfb" xlink:to="loc_us-gaap_SellingAndMarketingExpense_202cd0ff-cf6c-4092-b978-ae933067b208" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense_57af3916-cbdd-4f49-9509-019f6cb69505" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GeneralAndAdministrativeExpense"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CostsAndExpenses_6abe53e4-6a8a-4254-a133-58be2bf94dfb" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpense_57af3916-cbdd-4f49-9509-019f6cb69505" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="simple" xlink:href="afrm-20211231.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_NetCashProvidedByUsedInFinancingActivities_8b42514e-e5e5-41fd-b038-e71de24d2bcd" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromConvertibleDebt_e9255f51-e7dd-4259-b531-7fa05e555b36" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromConvertibleDebt"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_8b42514e-e5e5-41fd-b038-e71de24d2bcd" xlink:to="loc_us-gaap_ProceedsFromConvertibleDebt_e9255f51-e7dd-4259-b531-7fa05e555b36" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromLongTermLinesOfCredit_7d113253-959a-4535-9997-1446645f4c32" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromLongTermLinesOfCredit"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_8b42514e-e5e5-41fd-b038-e71de24d2bcd" xlink:to="loc_us-gaap_ProceedsFromLongTermLinesOfCredit_7d113253-959a-4535-9997-1446645f4c32" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfSecuredDebt_7d9a7b34-3cb5-4a85-b486-76ba373f5ce3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromIssuanceOfSecuredDebt"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_8b42514e-e5e5-41fd-b038-e71de24d2bcd" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfSecuredDebt_7d9a7b34-3cb5-4a85-b486-76ba373f5ce3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfConvertiblePreferredStock_0469b907-0493-4ebc-a838-f1cc0a407ba4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromIssuanceOfConvertiblePreferredStock"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_8b42514e-e5e5-41fd-b038-e71de24d2bcd" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfConvertiblePreferredStock_0469b907-0493-4ebc-a838-f1cc0a407ba4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDebtIssuanceCosts_4eb3aa07-9f34-4ebf-98c5-c00cc5944156" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsOfDebtIssuanceCosts"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_8b42514e-e5e5-41fd-b038-e71de24d2bcd" xlink:to="loc_us-gaap_PaymentsOfDebtIssuanceCosts_4eb3aa07-9f34-4ebf-98c5-c00cc5944156" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLongTermLinesOfCredit_ebf2da58-54c8-497c-a71b-e52070642ea3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RepaymentsOfLongTermLinesOfCredit"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_8b42514e-e5e5-41fd-b038-e71de24d2bcd" xlink:to="loc_us-gaap_RepaymentsOfLongTermLinesOfCredit_ebf2da58-54c8-497c-a71b-e52070642ea3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfSecuredDebt_125663dd-d357-4329-b242-82b9039082ca" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RepaymentsOfSecuredDebt"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_8b42514e-e5e5-41fd-b038-e71de24d2bcd" xlink:to="loc_us-gaap_RepaymentsOfSecuredDebt_125663dd-d357-4329-b242-82b9039082ca" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_ProceedsFromStockOptionsAndWarrantsExercised_d354a694-92f7-451c-aaf6-3b40d0e4831f" xlink:href="afrm-20211231.xsd#afrm_ProceedsFromStockOptionsAndWarrantsExercised"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_8b42514e-e5e5-41fd-b038-e71de24d2bcd" xlink:to="loc_afrm_ProceedsFromStockOptionsAndWarrantsExercised_d354a694-92f7-451c-aaf6-3b40d0e4831f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_f68e8e18-8d39-4452-b636-875bbdb7cee9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_8b42514e-e5e5-41fd-b038-e71de24d2bcd" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_f68e8e18-8d39-4452-b636-875bbdb7cee9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_7bab2b12-b198-403c-9c7d-86f609e84e14" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_8b42514e-e5e5-41fd-b038-e71de24d2bcd" xlink:to="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_7bab2b12-b198-403c-9c7d-86f609e84e14" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7a65aec6-13a6-42b3-887b-c7a85070cb9f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_099d4568-037d-4d70-bea2-194437e8bd47" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7a65aec6-13a6-42b3-887b-c7a85070cb9f" xlink:to="loc_us-gaap_NetIncomeLoss_099d4568-037d-4d70-bea2-194437e8bd47" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_54b7a8c3-a48f-4e7c-9824-172120029891" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7a65aec6-13a6-42b3-887b-c7a85070cb9f" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_54b7a8c3-a48f-4e7c-9824-172120029891" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_AccretionAmortizationOfDiscountsAndPremiumsFinancingReceivables_60b3d48f-0af1-4da8-a07d-31b10cf6503b" xlink:href="afrm-20211231.xsd#afrm_AccretionAmortizationOfDiscountsAndPremiumsFinancingReceivables"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7a65aec6-13a6-42b3-887b-c7a85070cb9f" xlink:to="loc_afrm_AccretionAmortizationOfDiscountsAndPremiumsFinancingReceivables_60b3d48f-0af1-4da8-a07d-31b10cf6503b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_1c558c61-d396-495a-b048-9ab8da1be83b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7a65aec6-13a6-42b3-887b-c7a85070cb9f" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_1c558c61-d396-495a-b048-9ab8da1be83b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_GainLossOnChangesInFairValueOfAssetsAndLiabilities_be40eab0-ae82-4353-84f0-877e0af889be" xlink:href="afrm-20211231.xsd#afrm_GainLossOnChangesInFairValueOfAssetsAndLiabilities"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7a65aec6-13a6-42b3-887b-c7a85070cb9f" xlink:to="loc_afrm_GainLossOnChangesInFairValueOfAssetsAndLiabilities_be40eab0-ae82-4353-84f0-877e0af889be" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_AmortizationOfCommercialAgreementAssets_57d15ff0-c98e-4a67-a78a-f00376377312" xlink:href="afrm-20211231.xsd#afrm_AmortizationOfCommercialAgreementAssets"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7a65aec6-13a6-42b3-887b-c7a85070cb9f" xlink:to="loc_afrm_AmortizationOfCommercialAgreementAssets_57d15ff0-c98e-4a67-a78a-f00376377312" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfFinancingCosts_4ad95a8e-6080-486f-9e94-7d1059aafbeb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AmortizationOfFinancingCosts"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7a65aec6-13a6-42b3-887b-c7a85070cb9f" xlink:to="loc_us-gaap_AmortizationOfFinancingCosts_4ad95a8e-6080-486f-9e94-7d1059aafbeb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_IncreaseDecreaseInCommercialAgreementAssets_a91503ad-ba12-44fa-b9c1-fc7721703989" xlink:href="afrm-20211231.xsd#afrm_IncreaseDecreaseInCommercialAgreementAssets"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7a65aec6-13a6-42b3-887b-c7a85070cb9f" xlink:to="loc_afrm_IncreaseDecreaseInCommercialAgreementAssets_a91503ad-ba12-44fa-b9c1-fc7721703989" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_498ec520-8367-43bd-afb4-a34c287ba00b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensation"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7a65aec6-13a6-42b3-887b-c7a85070cb9f" xlink:to="loc_us-gaap_ShareBasedCompensation_498ec520-8367-43bd-afb4-a34c287ba00b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationDepletionAndAmortization_370015ca-f0c2-420f-9856-0d1e487577b0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DepreciationDepletionAndAmortization"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7a65aec6-13a6-42b3-887b-c7a85070cb9f" xlink:to="loc_us-gaap_DepreciationDepletionAndAmortization_370015ca-f0c2-420f-9856-0d1e487577b0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoncashIncomeExpense_590b04ca-65eb-48e8-bebb-440115c4c5b2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherNoncashIncomeExpense"/>
    <link:calculationArc order="11" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7a65aec6-13a6-42b3-887b-c7a85070cb9f" xlink:to="loc_us-gaap_OtherNoncashIncomeExpense_590b04ca-65eb-48e8-bebb-440115c4c5b2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToPurchaseLoansHeldForSale_7e5dd0cd-f1de-493d-a229-6ed9083106b2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToPurchaseLoansHeldForSale"/>
    <link:calculationArc order="12" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7a65aec6-13a6-42b3-887b-c7a85070cb9f" xlink:to="loc_us-gaap_PaymentsToPurchaseLoansHeldForSale_7e5dd0cd-f1de-493d-a229-6ed9083106b2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansHeldForSale_5e9daf99-f777-433e-a19b-d38005da03fb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForSale"/>
    <link:calculationArc order="13" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7a65aec6-13a6-42b3-887b-c7a85070cb9f" xlink:to="loc_us-gaap_ProceedsFromSaleOfLoansHeldForSale_5e9daf99-f777-433e-a19b-d38005da03fb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_b4872407-b72a-4b05-a95b-fd158bcead7d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable"/>
    <link:calculationArc order="14" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7a65aec6-13a6-42b3-887b-c7a85070cb9f" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_b4872407-b72a-4b05-a95b-fd158bcead7d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_812b5a8f-f96f-4bbc-bf9d-232c5d00881c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:calculationArc order="15" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7a65aec6-13a6-42b3-887b-c7a85070cb9f" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_812b5a8f-f96f-4bbc-bf9d-232c5d00881c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsPayable_f473a40b-d30d-4c1a-84f1-644238f9690c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsPayable"/>
    <link:calculationArc order="16" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7a65aec6-13a6-42b3-887b-c7a85070cb9f" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsPayable_f473a40b-d30d-4c1a-84f1-644238f9690c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_IncreaseDecreaseInThirdPartyLoanOwnerPayable_d938afd1-51b4-49db-b126-0016b640b1f3" xlink:href="afrm-20211231.xsd#afrm_IncreaseDecreaseInThirdPartyLoanOwnerPayable"/>
    <link:calculationArc order="17" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7a65aec6-13a6-42b3-887b-c7a85070cb9f" xlink:to="loc_afrm_IncreaseDecreaseInThirdPartyLoanOwnerPayable_d938afd1-51b4-49db-b126-0016b640b1f3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInInterestPayableNet_e6ca3cca-c25e-403a-be47-846fd1ebf791" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInInterestPayableNet"/>
    <link:calculationArc order="18" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7a65aec6-13a6-42b3-887b-c7a85070cb9f" xlink:to="loc_us-gaap_IncreaseDecreaseInInterestPayableNet_e6ca3cca-c25e-403a-be47-846fd1ebf791" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities_26537d04-f95c-4f2c-b4e4-2a50c55c7a49" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities"/>
    <link:calculationArc order="19" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_7a65aec6-13a6-42b3-887b-c7a85070cb9f" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities_26537d04-f95c-4f2c-b4e4-2a50c55c7a49" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_dce1e375-ac5c-41fa-b5f1-d3ee6c0c6e16" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_1f733add-63a9-4c76-843a-7b91340e5941" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_dce1e375-ac5c-41fa-b5f1-d3ee6c0c6e16" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_1f733add-63a9-4c76-843a-7b91340e5941" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_18903152-7c76-4243-b339-5f48dc8a894b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_dce1e375-ac5c-41fa-b5f1-d3ee6c0c6e16" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_18903152-7c76-4243-b339-5f48dc8a894b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_8ad2b022-2612-45b4-be6c-6b4d580f44bb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_dce1e375-ac5c-41fa-b5f1-d3ee6c0c6e16" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_8ad2b022-2612-45b4-be6c-6b4d580f44bb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_90aa9643-d804-45e2-838d-332900af3fe8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_dce1e375-ac5c-41fa-b5f1-d3ee6c0c6e16" xlink:to="loc_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_90aa9643-d804-45e2-838d-332900af3fe8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_f60baf6f-4da3-48b5-af6b-7c6308195004" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireFinanceReceivables_12b6a0cf-3822-4c95-85e8-c37aad44c871" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireFinanceReceivables"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_f60baf6f-4da3-48b5-af6b-7c6308195004" xlink:to="loc_us-gaap_PaymentsToAcquireFinanceReceivables_12b6a0cf-3822-4c95-85e8-c37aad44c871" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfFinanceReceivables_b81a9fe3-7c2d-4fa6-8e51-baa2337804aa" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleOfFinanceReceivables"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_f60baf6f-4da3-48b5-af6b-7c6308195004" xlink:to="loc_us-gaap_ProceedsFromSaleOfFinanceReceivables_b81a9fe3-7c2d-4fa6-8e51-baa2337804aa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromCollectionOfFinanceReceivables_69fdb3a0-c63a-4af5-98ac-0eeb50df46f0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromCollectionOfFinanceReceivables"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_f60baf6f-4da3-48b5-af6b-7c6308195004" xlink:to="loc_us-gaap_ProceedsFromCollectionOfFinanceReceivables_69fdb3a0-c63a-4af5-98ac-0eeb50df46f0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_2743d30d-cdf4-467c-97f6-a115685f3ed7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_f60baf6f-4da3-48b5-af6b-7c6308195004" xlink:to="loc_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_2743d30d-cdf4-467c-97f6-a115685f3ed7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_7c51c37c-51ff-4788-98ac-27678a0c1003" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_f60baf6f-4da3-48b5-af6b-7c6308195004" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_7c51c37c-51ff-4788-98ac-27678a0c1003" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_f1b311fb-d76e-48ad-85bc-e6c5cd5e5f5a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_f60baf6f-4da3-48b5-af6b-7c6308195004" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_f1b311fb-d76e-48ad-85bc-e6c5cd5e5f5a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_10a00c57-aa88-42e2-8ec5-da949b2686e1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_f60baf6f-4da3-48b5-af6b-7c6308195004" xlink:to="loc_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_10a00c57-aa88-42e2-8ec5-da949b2686e1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_ProceedsFromOtherInvestingActivities_805dea13-006d-493b-b9cd-c460530b6a0f" xlink:href="afrm-20211231.xsd#afrm_ProceedsFromOtherInvestingActivities"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_f60baf6f-4da3-48b5-af6b-7c6308195004" xlink:to="loc_afrm_ProceedsFromOtherInvestingActivities_805dea13-006d-493b-b9cd-c460530b6a0f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_PaymentsForOtherInvestingActivities_2d41bd7d-1606-4ff8-a5ef-1686f2d0590b" xlink:href="afrm-20211231.xsd#afrm_PaymentsForOtherInvestingActivities"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_f60baf6f-4da3-48b5-af6b-7c6308195004" xlink:to="loc_afrm_PaymentsForOtherInvestingActivities_2d41bd7d-1606-4ff8-a5ef-1686f2d0590b" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/InterestIncomeScheduleofInterestIncomeDetails" xlink:type="simple" xlink:href="afrm-20211231.xsd#InterestIncomeScheduleofInterestIncomeDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/InterestIncomeScheduleofInterestIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_b2beca33-4da9-43aa-87f5-748534ba0060" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_29fcec63-533d-471a-b1c4-0c67ffbef8c1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_b2beca33-4da9-43aa-87f5-748534ba0060" xlink:to="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_29fcec63-533d-471a-b1c4-0c67ffbef8c1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_AccretionOfDiscountsFinancingReceivables_92261a4c-da5f-4a9e-a567-d4ae7588a550" xlink:href="afrm-20211231.xsd#afrm_AccretionOfDiscountsFinancingReceivables"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_b2beca33-4da9-43aa-87f5-748534ba0060" xlink:to="loc_afrm_AccretionOfDiscountsFinancingReceivables_92261a4c-da5f-4a9e-a567-d4ae7588a550" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_AmortizationOfPremiumsFinancingReceivables_d2369c69-0715-4a55-bd08-1e2632219697" xlink:href="afrm-20211231.xsd#afrm_AmortizationOfPremiumsFinancingReceivables"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_b2beca33-4da9-43aa-87f5-748534ba0060" xlink:to="loc_afrm_AmortizationOfPremiumsFinancingReceivables_d2369c69-0715-4a55-bd08-1e2632219697" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestWriteoff_45eae6c9-f1db-4fee-b372-52da1fa81098" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableAccruedInterestWriteoff"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_b2beca33-4da9-43aa-87f5-748534ba0060" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestWriteoff_45eae6c9-f1db-4fee-b372-52da1fa81098" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesCreditQualitybyITACsScoreDetails" xlink:type="simple" xlink:href="afrm-20211231.xsd#LoansHeldforInvestmentandAllowanceforCreditLossesCreditQualitybyITACsScoreDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesCreditQualitybyITACsScoreDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableRecoveries_f9854e64-8cfd-4e9d-bd0d-92a2c00552c6" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableRecoveries"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearRecoveries_355bae80-b18a-4a2c-9ddf-9eb8160d2eb5" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableRecoveries_f9854e64-8cfd-4e9d-bd0d-92a2c00552c6" xlink:to="loc_afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearRecoveries_355bae80-b18a-4a2c-9ddf-9eb8160d2eb5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearRecoveries_ed2cccbe-a0a6-46d2-9421-3924227c95d7" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableRecoveries_f9854e64-8cfd-4e9d-bd0d-92a2c00552c6" xlink:to="loc_afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearRecoveries_ed2cccbe-a0a6-46d2-9421-3924227c95d7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearRecoveries_c49f6250-c142-4903-9d31-13d52dc84665" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableRecoveries_f9854e64-8cfd-4e9d-bd0d-92a2c00552c6" xlink:to="loc_afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearRecoveries_c49f6250-c142-4903-9d31-13d52dc84665" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearRecoveries_2a75949b-3640-4b89-8db2-b9368349e155" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableRecoveries_f9854e64-8cfd-4e9d-bd0d-92a2c00552c6" xlink:to="loc_afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearRecoveries_2a75949b-3640-4b89-8db2-b9368349e155" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearRecoveries_c48f7bb0-f26b-4f52-9977-5a73b41095c7" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableRecoveries_f9854e64-8cfd-4e9d-bd0d-92a2c00552c6" xlink:to="loc_afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearRecoveries_c48f7bb0-f26b-4f52-9977-5a73b41095c7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearRecoveries_3b7687df-5c73-45e0-8b0f-7c8cb8a566f9" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableRecoveries_f9854e64-8cfd-4e9d-bd0d-92a2c00552c6" xlink:to="loc_afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearRecoveries_3b7687df-5c73-45e0-8b0f-7c8cb8a566f9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOffRecoveriesNet_08f9547e-3d42-45b4-9f91-9c5190d9521e" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOffRecoveriesNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOff_b43f55b2-63c0-4048-a9e8-aff981d7d821" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOffRecoveriesNet_08f9547e-3d42-45b4-9f91-9c5190d9521e" xlink:to="loc_afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOff_b43f55b2-63c0-4048-a9e8-aff981d7d821" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearRecoveries_6b123a76-054a-4b9f-ad37-1a6bd84c0fa5" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOffRecoveriesNet_08f9547e-3d42-45b4-9f91-9c5190d9521e" xlink:to="loc_afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearRecoveries_6b123a76-054a-4b9f-ad37-1a6bd84c0fa5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_f1c54c94-e4d5-4c19-b8ee-a7ae32bb4de3" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOff_0321f490-5355-4b40-a597-7908088cbb3b" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_f1c54c94-e4d5-4c19-b8ee-a7ae32bb4de3" xlink:to="loc_afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOff_0321f490-5355-4b40-a597-7908088cbb3b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearRecoveries_27fa4945-bbba-483c-86a1-50ee6f0ed6b1" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_f1c54c94-e4d5-4c19-b8ee-a7ae32bb4de3" xlink:to="loc_afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearRecoveries_27fa4945-bbba-483c-86a1-50ee6f0ed6b1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteOffRecoveriesNet_2ff0f136-5f3b-49b0-a7da-019480f8d7b9" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteOffRecoveriesNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteOff_174c4f10-ee97-46c2-a6cb-c33f7f34854c" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteOff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteOffRecoveriesNet_2ff0f136-5f3b-49b0-a7da-019480f8d7b9" xlink:to="loc_afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteOff_174c4f10-ee97-46c2-a6cb-c33f7f34854c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearRecoveries_971c2b4b-fb70-47b9-9c32-c205264ada6e" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteOffRecoveriesNet_2ff0f136-5f3b-49b0-a7da-019480f8d7b9" xlink:to="loc_afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearRecoveries_971c2b4b-fb70-47b9-9c32-c205264ada6e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_37e1bafc-33e9-49d7-940f-880efebdec06" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOff_53c60c36-8838-4cc9-995f-acf23c6ba842" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_37e1bafc-33e9-49d7-940f-880efebdec06" xlink:to="loc_afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOff_53c60c36-8838-4cc9-995f-acf23c6ba842" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearRecoveries_ab84e078-eff2-42e4-ad5e-2aad3e7b6828" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_37e1bafc-33e9-49d7-940f-880efebdec06" xlink:to="loc_afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearRecoveries_ab84e078-eff2-42e4-ad5e-2aad3e7b6828" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableWriteOff_c88cffe8-a649-4431-8367-436b12bf0355" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableWriteOff"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteOff_b7c55e14-ad56-47ae-a45c-880727b51fb3" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteOff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableWriteOff_c88cffe8-a649-4431-8367-436b12bf0355" xlink:to="loc_afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteOff_b7c55e14-ad56-47ae-a45c-880727b51fb3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOff_8d465d1e-e0d3-47a5-9be4-71af49439d48" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOff"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableWriteOff_c88cffe8-a649-4431-8367-436b12bf0355" xlink:to="loc_afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOff_8d465d1e-e0d3-47a5-9be4-71af49439d48" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOff_487e5c00-a8f2-4fab-8c02-f256660ffea5" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOff"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableWriteOff_c88cffe8-a649-4431-8367-436b12bf0355" xlink:to="loc_afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOff_487e5c00-a8f2-4fab-8c02-f256660ffea5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOff_20b92a54-3a94-446b-a6b6-5c18ac8866b1" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOff"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableWriteOff_c88cffe8-a649-4431-8367-436b12bf0355" xlink:to="loc_afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOff_20b92a54-3a94-446b-a6b6-5c18ac8866b1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOff_3213a844-6eee-42d1-8788-a9ca9967ce9b" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOff"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableWriteOff_c88cffe8-a649-4431-8367-436b12bf0355" xlink:to="loc_afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOff_3213a844-6eee-42d1-8788-a9ca9967ce9b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOff_52658243-8e71-4c88-91f5-f3cdddd0e99b" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOff"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableWriteOff_c88cffe8-a649-4431-8367-436b12bf0355" xlink:to="loc_afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOff_52658243-8e71-4c88-91f5-f3cdddd0e99b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableAmortizedCostBeforeAllowanceForCreditLoss_9e291922-a89c-4e76-9f1e-c0f1215d321d" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableAmortizedCostBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear_b7a9eb19-c113-4225-a145-014319210637" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableAmortizedCostBeforeAllowanceForCreditLoss_9e291922-a89c-4e76-9f1e-c0f1215d321d" xlink:to="loc_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear_b7a9eb19-c113-4225-a145-014319210637" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear_4e9ea63c-fb1b-4ffd-803d-393440c0476d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableAmortizedCostBeforeAllowanceForCreditLoss_9e291922-a89c-4e76-9f1e-c0f1215d321d" xlink:to="loc_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear_4e9ea63c-fb1b-4ffd-803d-393440c0476d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear_2b8ff9f7-e162-4afc-9841-c6afce2de70a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableAmortizedCostBeforeAllowanceForCreditLoss_9e291922-a89c-4e76-9f1e-c0f1215d321d" xlink:to="loc_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear_2b8ff9f7-e162-4afc-9841-c6afce2de70a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear_72f85910-7abc-4323-a902-7d8a7942180b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableAmortizedCostBeforeAllowanceForCreditLoss_9e291922-a89c-4e76-9f1e-c0f1215d321d" xlink:to="loc_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear_72f85910-7abc-4323-a902-7d8a7942180b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear_b7d5b37b-62d9-4cab-8b7d-21fc8444288a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableAmortizedCostBeforeAllowanceForCreditLoss_9e291922-a89c-4e76-9f1e-c0f1215d321d" xlink:to="loc_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear_b7d5b37b-62d9-4cab-8b7d-21fc8444288a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_6baa4f40-d205-4e9e-9144-35bd3139609f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableAmortizedCostBeforeAllowanceForCreditLoss_9e291922-a89c-4e76-9f1e-c0f1215d321d" xlink:to="loc_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_6baa4f40-d205-4e9e-9144-35bd3139609f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_a5b9e7a3-435f-4fa1-8875-35ff51ccb7ea" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOff_3a82090b-cf0b-4f31-a4bb-56cc1b805cd9" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_a5b9e7a3-435f-4fa1-8875-35ff51ccb7ea" xlink:to="loc_afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOff_3a82090b-cf0b-4f31-a4bb-56cc1b805cd9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearRecoveries_10388b01-840e-4036-8641-037729a7742d" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_a5b9e7a3-435f-4fa1-8875-35ff51ccb7ea" xlink:to="loc_afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearRecoveries_10388b01-840e-4036-8641-037729a7742d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_1ec72cb3-fc30-4fd5-a761-a81dc2d010ef" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOff_696d1f91-a9bc-40f9-b216-9e1650bb0969" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_1ec72cb3-fc30-4fd5-a761-a81dc2d010ef" xlink:to="loc_afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOff_696d1f91-a9bc-40f9-b216-9e1650bb0969" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearRecoveries_10debea5-8ffd-4948-938c-6ed82dd9703a" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearRecoveries"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_1ec72cb3-fc30-4fd5-a761-a81dc2d010ef" xlink:to="loc_afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearRecoveries_10debea5-8ffd-4948-938c-6ed82dd9703a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivablesWriteOffRecoveriesNet_733ca948-d2e8-4261-9791-4a1f91512c6d" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivablesWriteOffRecoveriesNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableWriteOff_d4edfb44-fecd-4355-98e9-a0901659f604" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableWriteOff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivablesWriteOffRecoveriesNet_733ca948-d2e8-4261-9791-4a1f91512c6d" xlink:to="loc_afrm_FinancingReceivableWriteOff_d4edfb44-fecd-4355-98e9-a0901659f604" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableRecoveries_c21fa15c-b7b1-43bd-a024-c34f812c6642" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableRecoveries"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivablesWriteOffRecoveriesNet_733ca948-d2e8-4261-9791-4a1f91512c6d" xlink:to="loc_afrm_FinancingReceivableRecoveries_c21fa15c-b7b1-43bd-a024-c34f812c6642" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesCreditQualitybyITACsScoreDetails_1" xlink:type="simple" xlink:href="afrm-20211231.xsd#LoansHeldforInvestmentandAllowanceforCreditLossesCreditQualitybyITACsScoreDetails_1"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesCreditQualitybyITACsScoreDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivablesWriteOffRecoveriesNet_34e37956-7295-47d1-8d41-1fb673485803" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivablesWriteOffRecoveriesNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteOffRecoveriesNet_90bec712-fbb9-4523-8742-6623b3b40dd1" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteOffRecoveriesNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivablesWriteOffRecoveriesNet_34e37956-7295-47d1-8d41-1fb673485803" xlink:to="loc_afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteOffRecoveriesNet_90bec712-fbb9-4523-8742-6623b3b40dd1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOffRecoveriesNet_da24bbd1-b1c4-4024-8b31-fd9ef3447230" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOffRecoveriesNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivablesWriteOffRecoveriesNet_34e37956-7295-47d1-8d41-1fb673485803" xlink:to="loc_afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOffRecoveriesNet_da24bbd1-b1c4-4024-8b31-fd9ef3447230" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_168ae647-27e7-48ab-a6fb-11433c4c5e38" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivablesWriteOffRecoveriesNet_34e37956-7295-47d1-8d41-1fb673485803" xlink:to="loc_afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_168ae647-27e7-48ab-a6fb-11433c4c5e38" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_3e762e55-6f5f-404a-b3ea-318fddd66faa" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivablesWriteOffRecoveriesNet_34e37956-7295-47d1-8d41-1fb673485803" xlink:to="loc_afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_3e762e55-6f5f-404a-b3ea-318fddd66faa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_7e2006d1-f063-4e54-94c6-eb4b8dde52d8" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivablesWriteOffRecoveriesNet_34e37956-7295-47d1-8d41-1fb673485803" xlink:to="loc_afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_7e2006d1-f063-4e54-94c6-eb4b8dde52d8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_4d766b5a-ccf1-4ec9-8933-4515014b33fc" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_FinancingReceivablesWriteOffRecoveriesNet_34e37956-7295-47d1-8d41-1fb673485803" xlink:to="loc_afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet_4d766b5a-ccf1-4ec9-8933-4515014b33fc" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/BusinessCombinationFairValueofConsiderationTransferredDetails" xlink:type="simple" xlink:href="afrm-20211231.xsd#BusinessCombinationFairValueofConsiderationTransferredDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/BusinessCombinationFairValueofConsiderationTransferredDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferred1_4170a587-969b-4f12-a46a-a22b1987cff8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationConsiderationTransferred1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireBusinessesGross_2c3c8ebc-ca7f-4478-845a-2c88229f4aba" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireBusinessesGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationConsiderationTransferred1_4170a587-969b-4f12-a46a-a22b1987cff8" xlink:to="loc_us-gaap_PaymentsToAcquireBusinessesGross_2c3c8ebc-ca7f-4478-845a-2c88229f4aba" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_BusinessCombinationContingentConsiderationAssets_99e2072d-93a8-4a09-8640-528d91947aa3" xlink:href="afrm-20211231.xsd#afrm_BusinessCombinationContingentConsiderationAssets"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationConsiderationTransferred1_4170a587-969b-4f12-a46a-a22b1987cff8" xlink:to="loc_afrm_BusinessCombinationContingentConsiderationAssets_99e2072d-93a8-4a09-8640-528d91947aa3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable_7197fe06-7b08-4e3c-9a0c-f0907fc9a853" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationConsiderationTransferred1_4170a587-969b-4f12-a46a-a22b1987cff8" xlink:to="loc_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable_7197fe06-7b08-4e3c-9a0c-f0907fc9a853" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferredLiabilitiesIncurred_18fe4e35-3320-438e-9041-856bcb7fb572" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationConsiderationTransferredLiabilitiesIncurred"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationConsiderationTransferred1_4170a587-969b-4f12-a46a-a22b1987cff8" xlink:to="loc_us-gaap_BusinessCombinationConsiderationTransferredLiabilitiesIncurred_18fe4e35-3320-438e-9041-856bcb7fb572" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/BusinessCombinationAllocationofConsiderationPaidtoFairValuesofAssetsAcquiredandLiabilitiesAssumedDetails" xlink:type="simple" xlink:href="afrm-20211231.xsd#BusinessCombinationAllocationofConsiderationPaidtoFairValuesofAssetsAcquiredandLiabilitiesAssumedDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/BusinessCombinationAllocationofConsiderationPaidtoFairValuesofAssetsAcquiredandLiabilitiesAssumedDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet_a7974f43-4fce-43dc-a257-1b2b6fc3d37d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_94a0acc9-fc6f-435f-8923-5fe6851b5ca8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet_a7974f43-4fce-43dc-a257-1b2b6fc3d37d" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_94a0acc9-fc6f-435f-8923-5fe6851b5ca8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_bfc8dc64-7478-4803-9035-57c2f37d505c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Goodwill"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet_a7974f43-4fce-43dc-a257-1b2b6fc3d37d" xlink:to="loc_us-gaap_Goodwill_bfc8dc64-7478-4803-9035-57c2f37d505c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_013602b6-7092-4b0d-bde8-0b0f1b7f27ff" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_0e8eadfe-6dcf-4044-86a0-3073ec10fc42" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_013602b6-7092-4b0d-bde8-0b0f1b7f27ff" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_0e8eadfe-6dcf-4044-86a0-3073ec10fc42" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedRestrictedCash_c7405a3b-9a24-4dc2-81c6-91beb06e8470" xlink:href="afrm-20211231.xsd#afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedRestrictedCash"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_013602b6-7092-4b0d-bde8-0b0f1b7f27ff" xlink:to="loc_afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedRestrictedCash_c7405a3b-9a24-4dc2-81c6-91beb06e8470" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableBeforeAllowanceForCreditLoss_285637ad-39a8-4f2e-b57b-5f61ab9b2801" xlink:href="afrm-20211231.xsd#afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableBeforeAllowanceForCreditLoss"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_013602b6-7092-4b0d-bde8-0b0f1b7f27ff" xlink:to="loc_afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableBeforeAllowanceForCreditLoss_285637ad-39a8-4f2e-b57b-5f61ab9b2801" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccountsReceivables_f5880b1f-acaa-4ffa-becf-227626d74690" xlink:href="afrm-20211231.xsd#afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccountsReceivables"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_013602b6-7092-4b0d-bde8-0b0f1b7f27ff" xlink:to="loc_afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccountsReceivables_f5880b1f-acaa-4ffa-becf-227626d74690" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedPropertyPlantAndEquipment_24d5100f-3a31-4ab4-9968-d07342ca5d5d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedPropertyPlantAndEquipment"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_013602b6-7092-4b0d-bde8-0b0f1b7f27ff" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedPropertyPlantAndEquipment_24d5100f-3a31-4ab4-9968-d07342ca5d5d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill_e652d36b-eb6a-4310-8b1e-870c19644cb9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_013602b6-7092-4b0d-bde8-0b0f1b7f27ff" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill_e652d36b-eb6a-4310-8b1e-870c19644cb9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherAssets_44c65830-bead-4533-a9fe-b730516b7926" xlink:href="afrm-20211231.xsd#afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherAssets"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_013602b6-7092-4b0d-bde8-0b0f1b7f27ff" xlink:to="loc_afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherAssets_44c65830-bead-4533-a9fe-b730516b7926" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_4a2409e9-b3b7-47c0-892d-0bca7794094a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_577cc448-250b-420a-aa25-d4fd25d3e4da" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_4a2409e9-b3b7-47c0-892d-0bca7794094a" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_577cc448-250b-420a-aa25-d4fd25d3e4da" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_61bd81ed-8319-4c8a-b1c5-2db22446184c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_4a2409e9-b3b7-47c0-892d-0bca7794094a" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_61bd81ed-8319-4c8a-b1c5-2db22446184c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_5f0def4e-4a2d-402a-90a6-69d9caeefb75" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccountsPayable_85033ca6-d81d-4ba4-bb2a-898bff76ff29" xlink:href="afrm-20211231.xsd#afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccountsPayable"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_5f0def4e-4a2d-402a-90a6-69d9caeefb75" xlink:to="loc_afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccountsPayable_85033ca6-d81d-4ba4-bb2a-898bff76ff29" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest_6d132563-82d3-4e95-89b7-93c8a13accc5" xlink:href="afrm-20211231.xsd#afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_5f0def4e-4a2d-402a-90a6-69d9caeefb75" xlink:to="loc_afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest_6d132563-82d3-4e95-89b7-93c8a13accc5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedLiabilitiesAndOtherLiabilities_1e7cc8fd-b11a-4726-9a99-5aeefdc3af93" xlink:href="afrm-20211231.xsd#afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedLiabilitiesAndOtherLiabilities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_5f0def4e-4a2d-402a-90a6-69d9caeefb75" xlink:to="loc_afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedLiabilitiesAndOtherLiabilities_1e7cc8fd-b11a-4726-9a99-5aeefdc3af93" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecuredDebt_08b4422b-3580-4926-9f91-c326fb4fb912" xlink:href="afrm-20211231.xsd#afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecuredDebt"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_5f0def4e-4a2d-402a-90a6-69d9caeefb75" xlink:to="loc_afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecuredDebt_08b4422b-3580-4926-9f91-c326fb4fb912" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/BalanceSheetComponentsIntangibleAssetsDetails" xlink:type="simple" xlink:href="afrm-20211231.xsd#BalanceSheetComponentsIntangibleAssetsDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/BalanceSheetComponentsIntangibleAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_141d5bc4-147e-4b4d-9888-659af90b53a5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IntangibleAssetsGrossExcludingGoodwill"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_3fc00cca-b6d0-41ba-8682-a40051fe6c8b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_141d5bc4-147e-4b4d-9888-659af90b53a5" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_3fc00cca-b6d0-41ba-8682-a40051fe6c8b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_70957952-6b8c-49ff-bcf7-5f1d448825e0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_141d5bc4-147e-4b4d-9888-659af90b53a5" xlink:to="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_70957952-6b8c-49ff-bcf7-5f1d448825e0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_d86d1f2a-7de1-49a4-812b-3d7422112435" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_1e16229a-9752-4b8f-8322-ecfdd16f4c4c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_d86d1f2a-7de1-49a4-812b-3d7422112435" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet_1e16229a-9752-4b8f-8322-ecfdd16f4c4c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_0bb5d999-67e0-48a1-a1e0-1d88ffc04794" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_d86d1f2a-7de1-49a4-812b-3d7422112435" xlink:to="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_0bb5d999-67e0-48a1-a1e0-1d88ffc04794" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_d4d419c9-3004-41f7-933e-463cf338750b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_20d30834-254b-4e6c-b2e1-a0fdef636626" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_d4d419c9-3004-41f7-933e-463cf338750b" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_20d30834-254b-4e6c-b2e1-a0fdef636626" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_b2ff5cb7-043b-495f-84f9-ce91f07b851d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_d4d419c9-3004-41f7-933e-463cf338750b" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_b2ff5cb7-043b-495f-84f9-ce91f07b851d" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/BalanceSheetComponentsIntangibleAssetsDetails_1" xlink:type="simple" xlink:href="afrm-20211231.xsd#BalanceSheetComponentsIntangibleAssetsDetails_1"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/BalanceSheetComponentsIntangibleAssetsDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_855d0e4e-2635-4643-b46e-7707f92c1217" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_1c7fc41f-432c-4a15-af6a-cb6e58e2459c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IntangibleAssetsGrossExcludingGoodwill"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_855d0e4e-2635-4643-b46e-7707f92c1217" xlink:to="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_1c7fc41f-432c-4a15-af6a-cb6e58e2459c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_42d500c3-f5a2-4764-a08e-828e5c4be28c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_855d0e4e-2635-4643-b46e-7707f92c1217" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_42d500c3-f5a2-4764-a08e-828e5c4be28c" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/BalanceSheetComponentsExpectedFutureAmortizationExpenseDetails" xlink:type="simple" xlink:href="afrm-20211231.xsd#BalanceSheetComponentsExpectedFutureAmortizationExpenseDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/BalanceSheetComponentsExpectedFutureAmortizationExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_0d04a612-49b0-409b-8e7a-a3ea4d7a0b23" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear_d65c0da3-3266-4a8b-acb4-fc7b0761462c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_0d04a612-49b0-409b-8e7a-a3ea4d7a0b23" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear_d65c0da3-3266-4a8b-acb4-fc7b0761462c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_edbac8c3-554f-436a-99bd-c5c42440e4f8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_0d04a612-49b0-409b-8e7a-a3ea4d7a0b23" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_edbac8c3-554f-436a-99bd-c5c42440e4f8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_7bed9cf0-a0b6-4e44-9a63-2b7dbf56ab6d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_0d04a612-49b0-409b-8e7a-a3ea4d7a0b23" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_7bed9cf0-a0b6-4e44-9a63-2b7dbf56ab6d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_858231b7-847e-4c57-856d-58dfbd2113ad" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_0d04a612-49b0-409b-8e7a-a3ea4d7a0b23" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_858231b7-847e-4c57-856d-58dfbd2113ad" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearThree_14975030-d1e4-4b22-a392-df19a3b5049c" xlink:href="afrm-20211231.xsd#afrm_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearThree"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_0d04a612-49b0-409b-8e7a-a3ea4d7a0b23" xlink:to="loc_afrm_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearThree_14975030-d1e4-4b22-a392-df19a3b5049c" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/BalanceSheetComponentsOtherAssetsDetails" xlink:type="simple" xlink:href="afrm-20211231.xsd#BalanceSheetComponentsOtherAssetsDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/BalanceSheetComponentsOtherAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_9093b40e-8756-4c01-9a5f-3405c0cb7487" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset_6c6fcf9a-2518-4a5a-b8e0-bd501ded8e02" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeaseRightOfUseAsset"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssets_9093b40e-8756-4c01-9a5f-3405c0cb7487" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAsset_6c6fcf9a-2518-4a5a-b8e0-bd501ded8e02" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidTaxes_f7c712e1-060d-414f-8018-d5c71f4dcd5a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PrepaidTaxes"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssets_9093b40e-8756-4c01-9a5f-3405c0cb7487" xlink:to="loc_us-gaap_PrepaidTaxes_f7c712e1-060d-414f-8018-d5c71f4dcd5a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidExpenseCurrentAndNoncurrent_6faaaa2d-654c-4b28-9ba3-bcb1524397c9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PrepaidExpenseCurrentAndNoncurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssets_9093b40e-8756-4c01-9a5f-3405c0cb7487" xlink:to="loc_us-gaap_PrepaidExpenseCurrentAndNoncurrent_6faaaa2d-654c-4b28-9ba3-bcb1524397c9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecurities_44559bbd-989d-4529-99ad-ed46de15a286" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_HeldToMaturitySecurities"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssets_9093b40e-8756-4c01-9a5f-3405c0cb7487" xlink:to="loc_us-gaap_HeldToMaturitySecurities_44559bbd-989d-4529-99ad-ed46de15a286" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_CashDepositsProcessingReserves_e788bdf7-1a6c-4abf-8844-9ec81ed80698" xlink:href="afrm-20211231.xsd#afrm_CashDepositsProcessingReserves"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssets_9093b40e-8756-4c01-9a5f-3405c0cb7487" xlink:to="loc_afrm_CashDepositsProcessingReserves_e788bdf7-1a6c-4abf-8844-9ec81ed80698" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherReceivables_5c8f727a-52c7-4039-9588-03e95834d13d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherReceivables"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssets_9093b40e-8756-4c01-9a5f-3405c0cb7487" xlink:to="loc_us-gaap_OtherReceivables_5c8f727a-52c7-4039-9588-03e95834d13d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsMiscellaneous_8224da30-2494-4980-8fe6-6e21b24fe4c5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherAssetsMiscellaneous"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssets_9093b40e-8756-4c01-9a5f-3405c0cb7487" xlink:to="loc_us-gaap_OtherAssetsMiscellaneous_8224da30-2494-4980-8fe6-6e21b24fe4c5" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/BalanceSheetComponentsAccruedExpensesandOtherLiabilitiesDetails" xlink:type="simple" xlink:href="afrm-20211231.xsd#BalanceSheetComponentsAccruedExpensesandOtherLiabilitiesDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/BalanceSheetComponentsAccruedExpensesandOtherLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_fc01947f-dbbe-421b-a03d-0bc652346f1e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccruedLiabilitiesAndOtherLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationContingentConsiderationLiability_d49f0b25-2043-4cfa-9507-6356561308e8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationContingentConsiderationLiability"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_fc01947f-dbbe-421b-a03d-0bc652346f1e" xlink:to="loc_us-gaap_BusinessCombinationContingentConsiderationLiability_d49f0b25-2043-4cfa-9507-6356561308e8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability_64f65dba-df9e-4f76-951a-b46555cc0b3e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_fc01947f-dbbe-421b-a03d-0bc652346f1e" xlink:to="loc_us-gaap_OperatingLeaseLiability_64f65dba-df9e-4f76-951a-b46555cc0b3e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent_a0e33ed3-0eb8-40e0-9606-200f2d9853ba" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccruedLiabilitiesCurrentAndNoncurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_fc01947f-dbbe-421b-a03d-0bc652346f1e" xlink:to="loc_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent_a0e33ed3-0eb8-40e0-9606-200f2d9853ba" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_CommercialAgreementLiability_4744ff3e-3da0-4878-ad29-fe4ab473fed2" xlink:href="afrm-20211231.xsd#afrm_CommercialAgreementLiability"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_fc01947f-dbbe-421b-a03d-0bc652346f1e" xlink:to="loc_afrm_CommercialAgreementLiability_4744ff3e-3da0-4878-ad29-fe4ab473fed2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_ec61085d-6382-4677-a91a-8ece9e048703" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherLiabilities"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_fc01947f-dbbe-421b-a03d-0bc652346f1e" xlink:to="loc_us-gaap_OtherLiabilities_ec61085d-6382-4677-a91a-8ece9e048703" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails" xlink:type="simple" xlink:href="afrm-20211231.xsd#LeasesMaturitiesofLeaseLiabilitiesDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_750fce87-6a92-498d-8e09-e77b33c435fa" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_d6fc58fc-6180-43c2-be5a-40cdf439f1d8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_750fce87-6a92-498d-8e09-e77b33c435fa" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_d6fc58fc-6180-43c2-be5a-40cdf439f1d8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_8e6c86c9-23b5-4f3d-875b-9d0450092033" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_750fce87-6a92-498d-8e09-e77b33c435fa" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_8e6c86c9-23b5-4f3d-875b-9d0450092033" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_b395dc83-709f-4425-9192-1a564547c5d4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_750fce87-6a92-498d-8e09-e77b33c435fa" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_b395dc83-709f-4425-9192-1a564547c5d4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_b5e57926-c6b3-4a89-84f0-94be88c50013" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_750fce87-6a92-498d-8e09-e77b33c435fa" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_b5e57926-c6b3-4a89-84f0-94be88c50013" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_5efff444-15e2-4b78-a4c5-9eb5e1cfc1ec" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_750fce87-6a92-498d-8e09-e77b33c435fa" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_5efff444-15e2-4b78-a4c5-9eb5e1cfc1ec" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails_1" xlink:type="simple" xlink:href="afrm-20211231.xsd#LeasesMaturitiesofLeaseLiabilitiesDetails_1"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_a8e218d1-0a65-4030-a1ee-f8a3c0bac8cc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_eb30efd7-8053-4160-9865-99c446e7b25e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_a8e218d1-0a65-4030-a1ee-f8a3c0bac8cc" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_eb30efd7-8053-4160-9865-99c446e7b25e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability_20ef2349-8b11-42e3-9801-4854ca042ad8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_a8e218d1-0a65-4030-a1ee-f8a3c0bac8cc" xlink:to="loc_us-gaap_OperatingLeaseLiability_20ef2349-8b11-42e3-9801-4854ca042ad8" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/DebtAggregateFutureMaturitiesofFundingDebtDetails" xlink:type="simple" xlink:href="afrm-20211231.xsd#DebtAggregateFutureMaturitiesofFundingDebtDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/DebtAggregateFutureMaturitiesofFundingDebtDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_0986f5cc-58f3-45c3-ae48-1b1e26b54563" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_48375c37-9b91-4d04-925c-6c29a99a68d0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_0986f5cc-58f3-45c3-ae48-1b1e26b54563" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_48375c37-9b91-4d04-925c-6c29a99a68d0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_820ece9a-0cbd-4d44-bd65-4e31696474a4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_0986f5cc-58f3-45c3-ae48-1b1e26b54563" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_820ece9a-0cbd-4d44-bd65-4e31696474a4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_15f9996c-07fd-4dc5-b97c-e044db707649" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_0986f5cc-58f3-45c3-ae48-1b1e26b54563" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_15f9996c-07fd-4dc5-b97c-e044db707649" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_003d1515-1d79-43c8-9a94-88bc3e503fad" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_0986f5cc-58f3-45c3-ae48-1b1e26b54563" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_003d1515-1d79-43c8-9a94-88bc3e503fad" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_b30a2f4a-fc8a-4ee7-8996-39d3d23b87b8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_0986f5cc-58f3-45c3-ae48-1b1e26b54563" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_b30a2f4a-fc8a-4ee7-8996-39d3d23b87b8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_66b18551-4b08-42c9-b213-e388a07b1705" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_0986f5cc-58f3-45c3-ae48-1b1e26b54563" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_66b18551-4b08-42c9-b213-e388a07b1705" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_30da2a16-196a-439c-a7cb-569f4658e9dd" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_0986f5cc-58f3-45c3-ae48-1b1e26b54563" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_30da2a16-196a-439c-a7cb-569f4658e9dd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_e537d949-e441-4ba5-89e1-0f658a0439a7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebt"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_5d20f742-3923-4143-a790-34995570ce93" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_e537d949-e441-4ba5-89e1-0f658a0439a7" xlink:to="loc_us-gaap_DebtInstrumentCarryingAmount_5d20f742-3923-4143-a790-34995570ce93" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFinanceCostsNet_a705d30c-860e-4406-9182-4b9ae13525fb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredFinanceCostsNet"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_e537d949-e441-4ba5-89e1-0f658a0439a7" xlink:to="loc_us-gaap_DeferredFinanceCostsNet_a705d30c-860e-4406-9182-4b9ae13525fb" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/DebtConvertibleNotesOutstandingDetails" xlink:type="simple" xlink:href="afrm-20211231.xsd#DebtConvertibleNotesOutstandingDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/DebtConvertibleNotesOutstandingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_4c0e4444-f0e5-47b5-af5e-7e5801289ea8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebt"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_dec6436f-b76d-4c2b-9de3-f782bf7d2956" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_4c0e4444-f0e5-47b5-af5e-7e5801289ea8" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_dec6436f-b76d-4c2b-9de3-f782bf7d2956" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_517bd26c-0d79-47d9-9a5a-2a1c547f6383" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_4c0e4444-f0e5-47b5-af5e-7e5801289ea8" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_517bd26c-0d79-47d9-9a5a-2a1c547f6383" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/InvestmentsAvailableforSaleSecuritieswithUnrealizedLossesDetails" xlink:type="simple" xlink:href="afrm-20211231.xsd#InvestmentsAvailableforSaleSecuritieswithUnrealizedLossesDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/InvestmentsAvailableforSaleSecuritieswithUnrealizedLossesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_1ec56b57-2ebb-4694-9e85-8508eb0ab907" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_53f73538-b4e3-4c43-9ed7-7ec44932c999" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_1ec56b57-2ebb-4694-9e85-8508eb0ab907" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_53f73538-b4e3-4c43-9ed7-7ec44932c999" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_eb6e8be0-bd98-414f-88d6-86f330d57ac3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_1ec56b57-2ebb-4694-9e85-8508eb0ab907" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_eb6e8be0-bd98-414f-88d6-86f330d57ac3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_281581d6-fb35-4b9a-bd5d-11641701019a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_90d7f35d-e0ed-48c5-b3c2-619e383bad77" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_281581d6-fb35-4b9a-bd5d-11641701019a" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_90d7f35d-e0ed-48c5-b3c2-619e383bad77" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_7460f5b6-c8e0-4a33-a078-14388432fc95" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_281581d6-fb35-4b9a-bd5d-11641701019a" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_7460f5b6-c8e0-4a33-a078-14388432fc95" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/InvestmentsLengthofContractualMaturitiesDetails" xlink:type="simple" xlink:href="afrm-20211231.xsd#InvestmentsLengthofContractualMaturitiesDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/InvestmentsLengthofContractualMaturitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_5c48ca8b-1371-4e4d-8226-c97936d8c449" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_97f5ddcb-fe10-4a3c-aa22-600f767cfc3c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_5c48ca8b-1371-4e4d-8226-c97936d8c449" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_97f5ddcb-fe10-4a3c-aa22-600f767cfc3c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_87fd8fa2-d404-45f4-9c2b-d2836c92fd3e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_5c48ca8b-1371-4e4d-8226-c97936d8c449" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_87fd8fa2-d404-45f4-9c2b-d2836c92fd3e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_b01462d4-6b1a-4555-8524-8190aa910c34" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis_b251fd4b-9355-4aed-8d25-44c63a1b427e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_b01462d4-6b1a-4555-8524-8190aa910c34" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis_b251fd4b-9355-4aed-8d25-44c63a1b427e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_83269d31-1aef-4ec9-b2fd-0bc25045f43d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_b01462d4-6b1a-4555-8524-8190aa910c34" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_83269d31-1aef-4ec9-b2fd-0bc25045f43d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_DebtSecuritiesAvailableForSaleAmortizedCostIncludingCreditLossAllowance_17767f5f-d131-4fc0-a81a-69ba740c0897" xlink:href="afrm-20211231.xsd#afrm_DebtSecuritiesAvailableForSaleAmortizedCostIncludingCreditLossAllowance"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis_142ae6dc-3df6-438d-a4c7-3d2d6ad02d8e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_DebtSecuritiesAvailableForSaleAmortizedCostIncludingCreditLossAllowance_17767f5f-d131-4fc0-a81a-69ba740c0897" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis_142ae6dc-3df6-438d-a4c7-3d2d6ad02d8e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_603eecf4-be7d-4296-9f25-9e55c3c43ffc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_afrm_DebtSecuritiesAvailableForSaleAmortizedCostIncludingCreditLossAllowance_17767f5f-d131-4fc0-a81a-69ba740c0897" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_603eecf4-be7d-4296-9f25-9e55c3c43ffc" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesAssetsandLiabilitiesMeasuredatFairValueonRecurringBasisDetails" xlink:type="simple" xlink:href="afrm-20211231.xsd#FairValueofFinancialAssetsandLiabilitiesAssetsandLiabilitiesMeasuredatFairValueonRecurringBasisDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesAssetsandLiabilitiesMeasuredatFairValueonRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_dde90832-9071-4cae-8e4d-17c7e416bd6b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_a79116ca-fa24-46ff-8f1c-71425370a888" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_dde90832-9071-4cae-8e4d-17c7e416bd6b" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_a79116ca-fa24-46ff-8f1c-71425370a888" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_RestrictedCashFairValueDisclosure_b146ef04-0b10-4d01-ab38-7adcb143efcf" xlink:href="afrm-20211231.xsd#afrm_RestrictedCashFairValueDisclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_dde90832-9071-4cae-8e4d-17c7e416bd6b" xlink:to="loc_afrm_RestrictedCashFairValueDisclosure_b146ef04-0b10-4d01-ab38-7adcb143efcf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_ResidualTrustCertificatesAssetFairValueDisclosure_44e31074-aff0-40cd-9f26-855370164633" xlink:href="afrm-20211231.xsd#afrm_ResidualTrustCertificatesAssetFairValueDisclosure"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_dde90832-9071-4cae-8e4d-17c7e416bd6b" xlink:to="loc_afrm_ResidualTrustCertificatesAssetFairValueDisclosure_44e31074-aff0-40cd-9f26-855370164633" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_DebtSecuritiesAvailableForSaleFairValueDisclosure_46c7461d-d759-4f10-a868-a9d871bb5c41" xlink:href="afrm-20211231.xsd#afrm_DebtSecuritiesAvailableForSaleFairValueDisclosure"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_dde90832-9071-4cae-8e4d-17c7e416bd6b" xlink:to="loc_afrm_DebtSecuritiesAvailableForSaleFairValueDisclosure_46c7461d-d759-4f10-a868-a9d871bb5c41" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAsset_541aa22b-c250-42b9-9608-78a6da2e1fe8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ServicingAsset"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_dde90832-9071-4cae-8e4d-17c7e416bd6b" xlink:to="loc_us-gaap_ServicingAsset_541aa22b-c250-42b9-9608-78a6da2e1fe8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_9d5a9ac3-0ce9-4747-a999-a690da92b502" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DerivativeAssets"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_dde90832-9071-4cae-8e4d-17c7e416bd6b" xlink:to="loc_us-gaap_DerivativeAssets_9d5a9ac3-0ce9-4747-a999-a690da92b502" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_dd0092f6-b5ae-4c18-a158-cb144a437fb2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilityAtFairValueAmount_bbb64176-8c08-493e-9cb2-ac03fddd9059" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ServicingLiabilityAtFairValueAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_dd0092f6-b5ae-4c18-a158-cb144a437fb2" xlink:to="loc_us-gaap_ServicingLiabilityAtFairValueAmount_bbb64176-8c08-493e-9cb2-ac03fddd9059" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_PerformanceFeeLiabilityFairValueDisclosure_83491d4b-d2f5-41a4-8393-d776a47a5237" xlink:href="afrm-20211231.xsd#afrm_PerformanceFeeLiabilityFairValueDisclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_dd0092f6-b5ae-4c18-a158-cb144a437fb2" xlink:to="loc_afrm_PerformanceFeeLiabilityFairValueDisclosure_83491d4b-d2f5-41a4-8393-d776a47a5237" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_ResidualTrustCertificatesFairValueDisclosure_12b1096d-a297-4c44-9c7f-ed05bd288290" xlink:href="afrm-20211231.xsd#afrm_ResidualTrustCertificatesFairValueDisclosure"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_dd0092f6-b5ae-4c18-a158-cb144a437fb2" xlink:to="loc_afrm_ResidualTrustCertificatesFairValueDisclosure_12b1096d-a297-4c44-9c7f-ed05bd288290" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationContingentConsiderationLiability_4f408851-578c-4381-932a-90a6a4688577" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationContingentConsiderationLiability"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_dd0092f6-b5ae-4c18-a158-cb144a437fb2" xlink:to="loc_us-gaap_BusinessCombinationContingentConsiderationLiability_4f408851-578c-4381-932a-90a6a4688577" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_CommercialAgreementProfitShareLiabilityFairValueDisclosure_6030df05-b36f-4db0-9d84-275716e29cd3" xlink:href="afrm-20211231.xsd#afrm_CommercialAgreementProfitShareLiabilityFairValueDisclosure"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_dd0092f6-b5ae-4c18-a158-cb144a437fb2" xlink:to="loc_afrm_CommercialAgreementProfitShareLiabilityFairValueDisclosure_6030df05-b36f-4db0-9d84-275716e29cd3" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesFinancialAssetsandLiabilitiesNotRecordedatFairValueDetails" xlink:type="simple" xlink:href="afrm-20211231.xsd#FairValueofFinancialAssetsandLiabilitiesFinancialAssetsandLiabilitiesNotRecordedatFairValueDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesFinancialAssetsandLiabilitiesNotRecordedatFairValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_e4802199-ad16-4ca4-9a47-798a5c583bab" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_RestrictedCashFairValueDisclosure_01ccca6a-702f-4c69-818c-0988ee7528a9" xlink:href="afrm-20211231.xsd#afrm_RestrictedCashFairValueDisclosure"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_e4802199-ad16-4ca4-9a47-798a5c583bab" xlink:to="loc_afrm_RestrictedCashFairValueDisclosure_01ccca6a-702f-4c69-818c-0988ee7528a9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableHeldForSaleFairValueDisclosure_f62f6354-8794-47d6-98ce-d28e6fc4c774" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableHeldForSaleFairValueDisclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_e4802199-ad16-4ca4-9a47-798a5c583bab" xlink:to="loc_afrm_FinancingReceivableHeldForSaleFairValueDisclosure_f62f6354-8794-47d6-98ce-d28e6fc4c774" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_FinancingReceivableFairValueDisclosure_68588b66-8601-4496-a38c-833bb08ce06c" xlink:href="afrm-20211231.xsd#afrm_FinancingReceivableFairValueDisclosure"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_e4802199-ad16-4ca4-9a47-798a5c583bab" xlink:to="loc_afrm_FinancingReceivableFairValueDisclosure_68588b66-8601-4496-a38c-833bb08ce06c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableFairValueDisclosure_28ed145b-2b4b-4df9-bf3f-e20500031457" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountsReceivableFairValueDisclosure"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_e4802199-ad16-4ca4-9a47-798a5c583bab" xlink:to="loc_us-gaap_AccountsReceivableFairValueDisclosure_28ed145b-2b4b-4df9-bf3f-e20500031457" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsFairValueDisclosure_0b30eff8-6241-4e70-ba11-df29d6b74b3c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherAssetsFairValueDisclosure"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_e4802199-ad16-4ca4-9a47-798a5c583bab" xlink:to="loc_us-gaap_OtherAssetsFairValueDisclosure_0b30eff8-6241-4e70-ba11-df29d6b74b3c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_ecc8d7ef-a232-4a7f-b433-2d3a948a4576" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableFairValueDisclosure_3e695217-7526-46c7-895c-938ca07d4af6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountsPayableFairValueDisclosure"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_ecc8d7ef-a232-4a7f-b433-2d3a948a4576" xlink:to="loc_us-gaap_AccountsPayableFairValueDisclosure_3e695217-7526-46c7-895c-938ca07d4af6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansPayableFairValueDisclosure_4d9e39b2-9448-4e61-b2ee-e754515667da" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansPayableFairValueDisclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_ecc8d7ef-a232-4a7f-b433-2d3a948a4576" xlink:to="loc_us-gaap_LoansPayableFairValueDisclosure_4d9e39b2-9448-4e61-b2ee-e754515667da" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_InterestPayableFairValueDisclosure_25cda054-3fba-4975-acd5-6448dc2586b6" xlink:href="afrm-20211231.xsd#afrm_InterestPayableFairValueDisclosure"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_ecc8d7ef-a232-4a7f-b433-2d3a948a4576" xlink:to="loc_afrm_InterestPayableFairValueDisclosure_25cda054-3fba-4975-acd5-6448dc2586b6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_AccruedLiabilitiesAndOtherLiabilitiesFairValueDisclosure_c42615bd-df03-438b-ad06-0a7b7c74edc0" xlink:href="afrm-20211231.xsd#afrm_AccruedLiabilitiesAndOtherLiabilitiesFairValueDisclosure"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_ecc8d7ef-a232-4a7f-b433-2d3a948a4576" xlink:to="loc_afrm_AccruedLiabilitiesAndOtherLiabilitiesFairValueDisclosure_c42615bd-df03-438b-ad06-0a7b7c74edc0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertibleDebtFairValueDisclosures_64eef75e-6dd1-446e-a5e1-8be7c5df1be9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConvertibleDebtFairValueDisclosures"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_ecc8d7ef-a232-4a7f-b433-2d3a948a4576" xlink:to="loc_us-gaap_ConvertibleDebtFairValueDisclosures_64eef75e-6dd1-446e-a5e1-8be7c5df1be9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesPayableFairValueDisclosure_c62028e1-cb34-4c47-b971-eea43530b654" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesPayableFairValueDisclosure"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_ecc8d7ef-a232-4a7f-b433-2d3a948a4576" xlink:to="loc_us-gaap_NotesPayableFairValueDisclosure_c62028e1-cb34-4c47-b971-eea43530b654" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LinesOfCreditFairValueDisclosure_28756907-b81e-4a90-8dd1-11efb8f3f4a5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LinesOfCreditFairValueDisclosure"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_ecc8d7ef-a232-4a7f-b433-2d3a948a4576" xlink:to="loc_us-gaap_LinesOfCreditFairValueDisclosure_28756907-b81e-4a90-8dd1-11efb8f3f4a5" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/EquityIncentivePlansComponentsandClassificationofStockbasedCompensationDetails" xlink:type="simple" xlink:href="afrm-20211231.xsd#EquityIncentivePlansComponentsandClassificationofStockbasedCompensationDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/EquityIncentivePlansComponentsandClassificationofStockbasedCompensationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardCompensationCost1_562d7152-1283-4a7b-b059-8f3e097d5d90" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardCompensationCost1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpense_813a1edb-08be-4ccb-803b-75bd56f6768e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AllocatedShareBasedCompensationExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardCompensationCost1_562d7152-1283-4a7b-b059-8f3e097d5d90" xlink:to="loc_us-gaap_AllocatedShareBasedCompensationExpense_813a1edb-08be-4ccb-803b-75bd56f6768e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount_99b3111f-a14f-40e4-a0eb-466427b8a161" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardCompensationCost1_562d7152-1283-4a7b-b059-8f3e097d5d90" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount_99b3111f-a14f-40e4-a0eb-466427b8a161" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.affirm.com/role/NetLossperShareAttributabletoCommonStockholdersBasicandDilutedNetLossPerShareDetails" xlink:type="simple" xlink:href="afrm-20211231.xsd#NetLossperShareAttributabletoCommonStockholdersBasicandDilutedNetLossPerShareDetails"/>
  <link:calculationLink xlink:role="http://www.affirm.com/role/NetLossperShareAttributabletoCommonStockholdersBasicandDilutedNetLossPerShareDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_bb09fcf5-ab95-444d-88bc-8e33e39f174e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_ac5cc4b6-3c00-40cf-9d6c-db243df4cfe8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_bb09fcf5-ab95-444d-88bc-8e33e39f174e" xlink:to="loc_us-gaap_NetIncomeLoss_ac5cc4b6-3c00-40cf-9d6c-db243df4cfe8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DilutiveSecuritiesEffectOnBasicEarningsPerShareOther_d1490773-44e4-4bf7-8c1c-9bc2c13432f8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DilutiveSecuritiesEffectOnBasicEarningsPerShareOther"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_bb09fcf5-ab95-444d-88bc-8e33e39f174e" xlink:to="loc_us-gaap_DilutiveSecuritiesEffectOnBasicEarningsPerShareOther_d1490773-44e4-4bf7-8c1c-9bc2c13432f8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestOnConvertibleDebtNetOfTax_83652db6-7bf7-4403-8227-1fff72475ec5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestOnConvertibleDebtNetOfTax"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_bb09fcf5-ab95-444d-88bc-8e33e39f174e" xlink:to="loc_us-gaap_InterestOnConvertibleDebtNetOfTax_83652db6-7bf7-4403-8227-1fff72475ec5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_afrm_AmortizationOfDebtDiscountPremiumOnConvertibleDebtNetOfTax_1c92f5d2-9149-404a-b4b1-cc8b8eb78bfa" xlink:href="afrm-20211231.xsd#afrm_AmortizationOfDebtDiscountPremiumOnConvertibleDebtNetOfTax"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_bb09fcf5-ab95-444d-88bc-8e33e39f174e" xlink:to="loc_afrm_AmortizationOfDebtDiscountPremiumOnConvertibleDebtNetOfTax_1c92f5d2-9149-404a-b4b1-cc8b8eb78bfa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_f2a15ae7-e0a1-42c5-b9cb-3d307215985d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_ba33914f-f346-4b5c-8d16-bfbabaeab3fc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_f2a15ae7-e0a1-42c5-b9cb-3d307215985d" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_ba33914f-f346-4b5c-8d16-bfbabaeab3fc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities_809be430-f77c-4c11-b478-1f4120fd103f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_f2a15ae7-e0a1-42c5-b9cb-3d307215985d" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities_809be430-f77c-4c11-b478-1f4120fd103f" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
