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

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019ce80f-e862-745c-ad6e-bffac93004b3,g:d50170b6-885d-4566-8b05-00a0cff85dc6-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef arcroleURI="https://xbrl.org/2023/arcrole/summation-item" xlink:type="simple" xlink:href="https://www.xbrl.org/2023/calculation-1.1.xsd#summation-item"/>
  <link:roleRef roleURI="http://www.aciworldwide.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETS" xlink:type="simple" xlink:href="aciw-20260331.xsd#CONDENSEDCONSOLIDATEDBALANCESHEETS"/>
  <link:calculationLink xlink:role="http://www.aciworldwide.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019ce80f-e925-7e45-95c8-2e0b9042343a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsCurrent_019ce80f-e925-77c5-8f04-1eca42911224" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019ce80f-e925-7e45-95c8-2e0b9042343a" xlink:to="loc_us-gaap_AssetsCurrent_019ce80f-e925-77c5-8f04-1eca42911224" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableNetNoncurrent_019ce80f-e925-7e5c-90b1-f30eb705eada" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsReceivableNetNoncurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019ce80f-e925-7e45-95c8-2e0b9042343a" xlink:to="loc_us-gaap_AccountsReceivableNetNoncurrent_019ce80f-e925-7e5c-90b1-f30eb705eada" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_019ce80f-e925-7cd1-83e8-9e6c918c0e70" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019ce80f-e925-7e45-95c8-2e0b9042343a" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_019ce80f-e925-7cd1-83e8-9e6c918c0e70" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset_019ce80f-e925-7b0a-8776-717751813f75" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseRightOfUseAsset"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019ce80f-e925-7e45-95c8-2e0b9042343a" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAsset_019ce80f-e925-7b0a-8776-717751813f75" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalizedComputerSoftwareNet_019ce80f-e925-766f-a584-b85f0f6b462f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalizedComputerSoftwareNet"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019ce80f-e925-7e45-95c8-2e0b9042343a" xlink:to="loc_us-gaap_CapitalizedComputerSoftwareNet_019ce80f-e925-766f-a584-b85f0f6b462f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_019ce80f-e925-76ca-ae5b-27a75b48f2d9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Goodwill"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019ce80f-e925-7e45-95c8-2e0b9042343a" xlink:to="loc_us-gaap_Goodwill_019ce80f-e925-76ca-ae5b-27a75b48f2d9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ce80f-e925-71f0-9ae9-2666488aa098" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019ce80f-e925-7e45-95c8-2e0b9042343a" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ce80f-e925-71f0-9ae9-2666488aa098" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsNoncurrent_019ce80f-e925-75f1-814b-728c0caeab83" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssetsNoncurrent"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019ce80f-e925-7e45-95c8-2e0b9042343a" xlink:to="loc_us-gaap_OtherAssetsNoncurrent_019ce80f-e925-75f1-814b-728c0caeab83" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxAssetsNet_019ce80f-e925-7aed-88b1-a0adf222a638" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxAssetsNet"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019ce80f-e925-7e45-95c8-2e0b9042343a" xlink:to="loc_us-gaap_DeferredIncomeTaxAssetsNet_019ce80f-e925-7aed-88b1-a0adf222a638" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019ce80f-e925-7ae0-9d88-cf76423eebb3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesCurrent_019ce80f-e925-7c50-a6e4-6d6b1765ba2d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019ce80f-e925-7ae0-9d88-cf76423eebb3" xlink:to="loc_us-gaap_LiabilitiesCurrent_019ce80f-e925-7c50-a6e4-6d6b1765ba2d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractWithCustomerLiabilityNoncurrent_019ce80f-e925-79fa-8039-80d0bfd3e68d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractWithCustomerLiabilityNoncurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019ce80f-e925-7ae0-9d88-cf76423eebb3" xlink:to="loc_us-gaap_ContractWithCustomerLiabilityNoncurrent_019ce80f-e925-79fa-8039-80d0bfd3e68d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtNoncurrent_019ce80f-e925-76ba-9b8c-32b00fd336a5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtNoncurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019ce80f-e925-7ae0-9d88-cf76423eebb3" xlink:to="loc_us-gaap_LongTermDebtNoncurrent_019ce80f-e925-76ba-9b8c-32b00fd336a5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiabilityNoncurrent_019ce80f-e925-7151-ac67-c198f59c9031" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseLiabilityNoncurrent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019ce80f-e925-7ae0-9d88-cf76423eebb3" xlink:to="loc_us-gaap_OperatingLeaseLiabilityNoncurrent_019ce80f-e925-7151-ac67-c198f59c9031" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilitiesNoncurrent_019ce80f-e925-7e5d-b117-c1a24b2e3cd0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherLiabilitiesNoncurrent"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019ce80f-e925-7ae0-9d88-cf76423eebb3" xlink:to="loc_us-gaap_OtherLiabilitiesNoncurrent_019ce80f-e925-7e5d-b117-c1a24b2e3cd0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxLiabilitiesNet_019ce80f-e925-71a6-b27b-3e74e4eb41f2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxLiabilitiesNet"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019ce80f-e925-7ae0-9d88-cf76423eebb3" xlink:to="loc_us-gaap_DeferredIncomeTaxLiabilitiesNet_019ce80f-e925-71a6-b27b-3e74e4eb41f2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_019ce80f-e925-71cf-bd63-3a4c4c1b134d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019ce80f-e925-7d95-90e6-8e1ac381bfe8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019ce80f-e925-71cf-bd63-3a4c4c1b134d" xlink:to="loc_us-gaap_Liabilities_019ce80f-e925-7d95-90e6-8e1ac381bfe8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019ce80f-e925-7c4b-8be4-46e36a8aa405" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019ce80f-e925-71cf-bd63-3a4c4c1b134d" xlink:to="loc_us-gaap_StockholdersEquity_019ce80f-e925-7c4b-8be4-46e36a8aa405" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_019ce80f-e925-7ae2-a486-43955206514f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019ce80f-e925-71cf-bd63-3a4c4c1b134d" xlink:to="loc_us-gaap_CommitmentsAndContingencies_019ce80f-e925-7ae2-a486-43955206514f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsCurrent_019ce80f-e925-786c-9fc5-74d549f4a7d0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsCurrent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019ce80f-e925-7c81-9bf2-d30847aea45f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_019ce80f-e925-786c-9fc5-74d549f4a7d0" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019ce80f-e925-7c81-9bf2-d30847aea45f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableNetCurrent_019ce80f-e925-736d-b377-f8cdfa670cf4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsReceivableNetCurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_019ce80f-e925-786c-9fc5-74d549f4a7d0" xlink:to="loc_us-gaap_AccountsReceivableNetCurrent_019ce80f-e925-736d-b377-f8cdfa670cf4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidExpenseCurrent_019ce80f-e925-7a72-98ee-2d5b3b9b0f13" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PrepaidExpenseCurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_019ce80f-e925-786c-9fc5-74d549f4a7d0" xlink:to="loc_us-gaap_PrepaidExpenseCurrent_019ce80f-e925-7a72-98ee-2d5b3b9b0f13" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsCurrent_019ce80f-e925-7288-8802-fe232e01ad23" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssetsCurrent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_019ce80f-e925-786c-9fc5-74d549f4a7d0" xlink:to="loc_us-gaap_OtherAssetsCurrent_019ce80f-e925-7288-8802-fe232e01ad23" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SettlementAssetsCurrent_019ce80f-e925-758e-8a1d-a88019798240" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SettlementAssetsCurrent"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_019ce80f-e925-786c-9fc5-74d549f4a7d0" xlink:to="loc_us-gaap_SettlementAssetsCurrent_019ce80f-e925-758e-8a1d-a88019798240" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019ce80f-e925-7c97-b8ac-4812c64a7a27" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_019ce80f-e925-7b99-890a-dd6cf5392896" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019ce80f-e925-7c97-b8ac-4812c64a7a27" xlink:to="loc_us-gaap_CommonStockValue_019ce80f-e925-7b99-890a-dd6cf5392896" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalCommonStock_019ce80f-e925-709a-95e2-7342590e54fc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdditionalPaidInCapitalCommonStock"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019ce80f-e925-7c97-b8ac-4812c64a7a27" xlink:to="loc_us-gaap_AdditionalPaidInCapitalCommonStock_019ce80f-e925-709a-95e2-7342590e54fc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019ce80f-e925-720a-9e38-71f6df5f608f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019ce80f-e925-7c97-b8ac-4812c64a7a27" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019ce80f-e925-720a-9e38-71f6df5f608f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonValue_019ce80f-e925-7207-bb04-5e2654144bec" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockCommonValue"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019ce80f-e925-7c97-b8ac-4812c64a7a27" xlink:to="loc_us-gaap_TreasuryStockCommonValue_019ce80f-e925-7207-bb04-5e2654144bec" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019ce80f-e925-76b8-8e1a-cdd3e6d6f2f2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019ce80f-e925-7c97-b8ac-4812c64a7a27" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019ce80f-e925-76b8-8e1a-cdd3e6d6f2f2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_019ce80f-e925-74b0-b538-1c2d54f454ce" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockValue"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019ce80f-e925-7c97-b8ac-4812c64a7a27" xlink:to="loc_us-gaap_PreferredStockValue_019ce80f-e925-74b0-b538-1c2d54f454ce" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesCurrent_019ce80f-e925-7370-b956-27f7d42355f4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesCurrent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableCurrent_019ce80f-e925-78e6-9bd9-02b1a8a8f652" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsPayableCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_019ce80f-e925-7370-b956-27f7d42355f4" xlink:to="loc_us-gaap_AccountsPayableCurrent_019ce80f-e925-78e6-9bd9-02b1a8a8f652" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeRelatedLiabilitiesCurrent_019ce80f-e925-7925-b91f-ef1a8f589eb6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeRelatedLiabilitiesCurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_019ce80f-e925-7370-b956-27f7d42355f4" xlink:to="loc_us-gaap_EmployeeRelatedLiabilitiesCurrent_019ce80f-e925-7925-b91f-ef1a8f589eb6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtCurrent_019ce80f-e925-74a7-9f95-c42be249649a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtCurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_019ce80f-e925-7370-b956-27f7d42355f4" xlink:to="loc_us-gaap_LongTermDebtCurrent_019ce80f-e925-74a7-9f95-c42be249649a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractWithCustomerLiabilityCurrent_019ce80f-e925-75ba-af53-c90394f13c6e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractWithCustomerLiabilityCurrent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_019ce80f-e925-7370-b956-27f7d42355f4" xlink:to="loc_us-gaap_ContractWithCustomerLiabilityCurrent_019ce80f-e925-75ba-af53-c90394f13c6e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilitiesCurrent_019ce80f-e925-7f05-9e12-45f384c1f50a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherLiabilitiesCurrent"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_019ce80f-e925-7370-b956-27f7d42355f4" xlink:to="loc_us-gaap_OtherLiabilitiesCurrent_019ce80f-e925-7f05-9e12-45f384c1f50a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SettlementLiabilitiesCurrent_019ce80f-e925-7384-a5f3-3e533842f9ce" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SettlementLiabilitiesCurrent"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_019ce80f-e925-7370-b956-27f7d42355f4" xlink:to="loc_us-gaap_SettlementLiabilitiesCurrent_019ce80f-e925-7384-a5f3-3e533842f9ce" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.aciworldwide.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONS" xlink:type="simple" xlink:href="aciw-20260331.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONS"/>
  <link:calculationLink xlink:role="http://www.aciworldwide.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CostsAndExpenses_019ce80f-e925-7ccf-82b4-75fc4683593f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CostsAndExpenses"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CostOfRevenue_019ce80f-e925-7ff9-8bb5-7d0b41df80a9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CostOfRevenue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CostsAndExpenses_019ce80f-e925-7ccf-82b4-75fc4683593f" xlink:to="loc_us-gaap_CostOfRevenue_019ce80f-e925-7ff9-8bb5-7d0b41df80a9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResearchAndDevelopmentExpenseSoftwareExcludingAcquiredInProcessCost_019ce80f-e925-72f8-b7be-4f5516fb8ce4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResearchAndDevelopmentExpenseSoftwareExcludingAcquiredInProcessCost"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CostsAndExpenses_019ce80f-e925-7ccf-82b4-75fc4683593f" xlink:to="loc_us-gaap_ResearchAndDevelopmentExpenseSoftwareExcludingAcquiredInProcessCost_019ce80f-e925-72f8-b7be-4f5516fb8ce4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SellingAndMarketingExpense_019ce80f-e925-724f-957b-7854c8e120ca" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SellingAndMarketingExpense"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CostsAndExpenses_019ce80f-e925-7ccf-82b4-75fc4683593f" xlink:to="loc_us-gaap_SellingAndMarketingExpense_019ce80f-e925-724f-957b-7854c8e120ca" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense_019ce80f-e925-7b51-8589-f7506484714c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GeneralAndAdministrativeExpense"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CostsAndExpenses_019ce80f-e925-7ccf-82b4-75fc4683593f" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpense_019ce80f-e925-7b51-8589-f7506484714c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationAndAmortization_019ce80f-e925-7100-9f1c-9070478fdbab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepreciationAndAmortization"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CostsAndExpenses_019ce80f-e925-7ccf-82b4-75fc4683593f" xlink:to="loc_us-gaap_DepreciationAndAmortization_019ce80f-e925-7100-9f1c-9070478fdbab" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019ce80f-e925-7baf-8caa-0ac01c17143c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019ce80f-e925-7165-99c1-70f70ce7cd07" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_019ce80f-e925-7baf-8caa-0ac01c17143c" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019ce80f-e925-7165-99c1-70f70ce7cd07" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019ce80f-e925-7e38-873f-7f11cdda6109" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_019ce80f-e925-7baf-8caa-0ac01c17143c" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019ce80f-e925-7e38-873f-7f11cdda6109" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_019ce80f-e925-7973-a78f-21cc3fc9a011" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CostsAndExpenses_019ce80f-e925-7c06-aa32-27eddfeed44d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CostsAndExpenses"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingIncomeLoss_019ce80f-e925-7973-a78f-21cc3fc9a011" xlink:to="loc_us-gaap_CostsAndExpenses_019ce80f-e925-7c06-aa32-27eddfeed44d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019ce80f-e925-7069-9815-6230637ef5e3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingIncomeLoss_019ce80f-e925-7973-a78f-21cc3fc9a011" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019ce80f-e925-7069-9815-6230637ef5e3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonoperatingIncomeExpense_019ce80f-e925-7d17-b440-e7f679ce6ea3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NonoperatingIncomeExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeInterest_019ce80f-e925-7f49-bda0-87b5494e8c52" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentIncomeInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NonoperatingIncomeExpense_019ce80f-e925-7d17-b440-e7f679ce6ea3" xlink:to="loc_us-gaap_InvestmentIncomeInterest_019ce80f-e925-7f49-bda0-87b5494e8c52" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNonoperatingIncomeExpense_019ce80f-e925-77fe-bdfc-f8b3a2329c34" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherNonoperatingIncomeExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NonoperatingIncomeExpense_019ce80f-e925-7d17-b440-e7f679ce6ea3" xlink:to="loc_us-gaap_OtherNonoperatingIncomeExpense_019ce80f-e925-77fe-bdfc-f8b3a2329c34" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseNonoperating_019ce80f-e925-7dd7-b185-4fab6a1683b2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseNonoperating"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NonoperatingIncomeExpense_019ce80f-e925-7d17-b440-e7f679ce6ea3" xlink:to="loc_us-gaap_InterestExpenseNonoperating_019ce80f-e925-7dd7-b185-4fab6a1683b2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019ce80f-e925-77ea-95d9-942eff1f892d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_019ce80f-e925-7607-b25d-bf4243d830f9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019ce80f-e925-77ea-95d9-942eff1f892d" xlink:to="loc_us-gaap_OperatingIncomeLoss_019ce80f-e925-7607-b25d-bf4243d830f9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonoperatingIncomeExpense_019ce80f-e925-7da9-bf11-cabb149bb312" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NonoperatingIncomeExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019ce80f-e925-77ea-95d9-942eff1f892d" xlink:to="loc_us-gaap_NonoperatingIncomeExpense_019ce80f-e925-7da9-bf11-cabb149bb312" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.aciworldwide.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMELOSS" xlink:type="simple" xlink:href="aciw-20260331.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMELOSS"/>
  <link:calculationLink xlink:role="http://www.aciworldwide.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMELOSS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_019ce80f-e925-7bc9-ae63-000abccb3a69" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019ce80f-e925-7dfb-a393-3cd0a1674c0f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019ce80f-e925-7bc9-ae63-000abccb3a69" xlink:to="loc_us-gaap_NetIncomeLoss_019ce80f-e925-7dfb-a393-3cd0a1674c0f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019ce80f-e925-705b-aa52-fb8fbc64a5ab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019ce80f-e925-7bc9-ae63-000abccb3a69" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019ce80f-e925-705b-aa52-fb8fbc64a5ab" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019ce80f-e925-7c16-8b8b-77fadaf87bab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_019ce80f-e925-7571-abfd-b22abc379c5a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019ce80f-e925-7c16-8b8b-77fadaf87bab" xlink:to="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_019ce80f-e925-7571-abfd-b22abc379c5a" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.aciworldwide.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="simple" xlink:href="aciw-20260331.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS"/>
  <link:calculationLink xlink:role="http://www.aciworldwide.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ce80f-e925-71e1-bde0-9cb99a33ba1c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Depreciation_019ce80f-e925-7823-a7ff-12656136ef96" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Depreciation"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ce80f-e925-71e1-bde0-9cb99a33ba1c" xlink:to="loc_us-gaap_Depreciation_019ce80f-e925-7823-a7ff-12656136ef96" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_aciw_AmortizationExcludingOperatingLeasesAndDebtIssuanceCosts_019ce80f-e925-73e5-8723-0638c88fbe48" xlink:href="aciw-20260331.xsd#aciw_AmortizationExcludingOperatingLeasesAndDebtIssuanceCosts"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ce80f-e925-71e1-bde0-9cb99a33ba1c" xlink:to="loc_aciw_AmortizationExcludingOperatingLeasesAndDebtIssuanceCosts_019ce80f-e925-73e5-8723-0638c88fbe48" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAssetAmortizationExpense_019ce80f-e925-7487-8adb-df728f473022" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseRightOfUseAssetAmortizationExpense"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ce80f-e925-71e1-bde0-9cb99a33ba1c" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAssetAmortizationExpense_019ce80f-e925-7487-8adb-df728f473022" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019ce80f-e925-7c6b-af99-2c424c5dd341" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ce80f-e925-71e1-bde0-9cb99a33ba1c" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019ce80f-e925-7c6b-af99-2c424c5dd341" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_019ce80f-e925-7e9d-a170-b7da6c021f1c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ce80f-e925-71e1-bde0-9cb99a33ba1c" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_019ce80f-e925-7e9d-a170-b7da6c021f1c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsPayable_019ce80f-e925-72f9-8b61-2e918ea5b806" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInAccountsPayable"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ce80f-e925-71e1-bde0-9cb99a33ba1c" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsPayable_019ce80f-e925-72f9-8b61-2e918ea5b806" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInEmployeeRelatedLiabilities_019ce80f-e925-7426-a778-2a6e2edbc77b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInEmployeeRelatedLiabilities"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ce80f-e925-71e1-bde0-9cb99a33ba1c" xlink:to="loc_us-gaap_IncreaseDecreaseInEmployeeRelatedLiabilities_019ce80f-e925-7426-a778-2a6e2edbc77b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInContractWithCustomerLiability_019ce80f-e925-7dbf-b376-1a6b9d14a459" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInContractWithCustomerLiability"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ce80f-e925-71e1-bde0-9cb99a33ba1c" xlink:to="loc_us-gaap_IncreaseDecreaseInContractWithCustomerLiability_019ce80f-e925-7dbf-b376-1a6b9d14a459" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet_019ce80f-e925-7ea8-a452-d1588951666a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ce80f-e925-71e1-bde0-9cb99a33ba1c" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet_019ce80f-e925-7ea8-a452-d1588951666a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_019ce80f-e925-79bf-afea-ec2e8ddcf2b6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensation"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ce80f-e925-71e1-bde0-9cb99a33ba1c" xlink:to="loc_us-gaap_ShareBasedCompensation_019ce80f-e925-79bf-afea-ec2e8ddcf2b6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoncashIncomeExpense_019ce80f-e925-7a10-ac87-813ebb1cffe2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherNoncashIncomeExpense"/>
    <link:calculationArc order="11" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ce80f-e925-71e1-bde0-9cb99a33ba1c" xlink:to="loc_us-gaap_OtherNoncashIncomeExpense_019ce80f-e925-7a10-ac87-813ebb1cffe2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfFinancingCosts_019ce80f-e925-75c9-b2ad-41b8bbfec088" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AmortizationOfFinancingCosts"/>
    <link:calculationArc order="12" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ce80f-e925-71e1-bde0-9cb99a33ba1c" xlink:to="loc_us-gaap_AmortizationOfFinancingCosts_019ce80f-e925-75c9-b2ad-41b8bbfec088" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019ce80f-e925-7167-8e26-c7660275c5ce" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="13" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ce80f-e925-71e1-bde0-9cb99a33ba1c" xlink:to="loc_us-gaap_NetIncomeLoss_019ce80f-e925-7167-8e26-c7660275c5ce" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestmentRealizedGainLossOnDisposal_019ce80f-e925-719b-bc92-6d67426ac9e2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityMethodInvestmentRealizedGainLossOnDisposal"/>
    <link:calculationArc order="14" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ce80f-e925-71e1-bde0-9cb99a33ba1c" xlink:to="loc_us-gaap_EquityMethodInvestmentRealizedGainLossOnDisposal_019ce80f-e925-719b-bc92-6d67426ac9e2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019ce80f-e925-78c0-86b8-396109debf40" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_019ce80f-e925-7e24-982a-93089564ae7c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019ce80f-e925-78c0-86b8-396109debf40" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_019ce80f-e925-7e24-982a-93089564ae7c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireSoftware_019ce80f-e925-7011-8aeb-d2a12cc0f1bb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireSoftware"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019ce80f-e925-78c0-86b8-396109debf40" xlink:to="loc_us-gaap_PaymentsToAcquireSoftware_019ce80f-e925-7011-8aeb-d2a12cc0f1bb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfEquityMethodInvestments_019ce80f-e925-7403-86a5-f36fac419aed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfEquityMethodInvestments"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019ce80f-e925-78c0-86b8-396109debf40" xlink:to="loc_us-gaap_ProceedsFromSaleOfEquityMethodInvestments_019ce80f-e925-7403-86a5-f36fac419aed" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019ce80f-e925-73db-aee1-5892b1469333" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:loc xlink:type="locator" xlink:label="loc_aciw_SettlementDepositsCurrent_019ce80f-e925-7859-ab0c-872678b2e9ca" xlink:href="aciw-20260331.xsd#aciw_SettlementDepositsCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019ce80f-e925-73db-aee1-5892b1469333" xlink:to="loc_aciw_SettlementDepositsCurrent_019ce80f-e925-7859-ab0c-872678b2e9ca" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019ce80f-e925-7132-a124-f38b94fec77e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019ce80f-e925-73db-aee1-5892b1469333" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019ce80f-e925-7132-a124-f38b94fec77e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019ce80f-e925-7d9e-ba08-092a6c2f1556" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_019ce80f-e925-7221-a5fb-f226037ebdc1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019ce80f-e925-7d9e-ba08-092a6c2f1556" xlink:to="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_019ce80f-e925-7221-a5fb-f226037ebdc1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfSecuredDebt_019ce80f-e925-7ebe-ade2-b5cfe8be32bc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RepaymentsOfSecuredDebt"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019ce80f-e925-7d9e-ba08-092a6c2f1556" xlink:to="loc_us-gaap_RepaymentsOfSecuredDebt_019ce80f-e925-7ebe-ade2-b5cfe8be32bc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromStockOptionsExercised_019ce80f-e925-7282-a070-fa72da5de8de" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromStockOptionsExercised"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019ce80f-e925-7d9e-ba08-092a6c2f1556" xlink:to="loc_us-gaap_ProceedsFromStockOptionsExercised_019ce80f-e925-7282-a070-fa72da5de8de" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_aciw_NetIncreaseDecreaseInSettlementAssetsAndLiabilities_019ce80f-e925-7471-9e3f-e39736d5aab8" xlink:href="aciw-20260331.xsd#aciw_NetIncreaseDecreaseInSettlementAssetsAndLiabilities"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019ce80f-e925-7d9e-ba08-092a6c2f1556" xlink:to="loc_aciw_NetIncreaseDecreaseInSettlementAssetsAndLiabilities_019ce80f-e925-7471-9e3f-e39736d5aab8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromRepaymentsOfOtherLongTermDebt_019ce80f-e925-77af-90f9-5d19afaaa722" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromRepaymentsOfOtherLongTermDebt"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019ce80f-e925-7d9e-ba08-092a6c2f1556" xlink:to="loc_us-gaap_ProceedsFromRepaymentsOfOtherLongTermDebt_019ce80f-e925-77af-90f9-5d19afaaa722" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019ce80f-e925-79be-b7b8-89984ee6974a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019ce80f-e925-7d9e-ba08-092a6c2f1556" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019ce80f-e925-79be-b7b8-89984ee6974a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_019ce80f-e925-725a-a265-8da7f5299cf6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019ce80f-e925-7d9e-ba08-092a6c2f1556" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_019ce80f-e925-725a-a265-8da7f5299cf6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLinesOfCredit_019ce80f-e925-7853-a77c-fcb23d6cda7a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RepaymentsOfLinesOfCredit"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019ce80f-e925-7d9e-ba08-092a6c2f1556" xlink:to="loc_us-gaap_RepaymentsOfLinesOfCredit_019ce80f-e925-7853-a77c-fcb23d6cda7a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromLinesOfCredit_019ce80f-e9ec-772c-a469-f754bb42569f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromLinesOfCredit"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019ce80f-e925-7d9e-ba08-092a6c2f1556" xlink:to="loc_us-gaap_ProceedsFromLinesOfCredit_019ce80f-e9ec-772c-a469-f754bb42569f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019ce80f-e9ec-7897-8b73-d5492b4e806c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ce80f-e9ec-73f3-8de5-758713a3afa4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019ce80f-e9ec-7897-8b73-d5492b4e806c" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ce80f-e9ec-73f3-8de5-758713a3afa4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019ce80f-e9ec-7e51-b528-bae89e634478" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019ce80f-e9ec-7897-8b73-d5492b4e806c" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019ce80f-e9ec-7e51-b528-bae89e634478" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019ce80f-e9ec-741e-a29a-504b95fea17d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019ce80f-e9ec-7897-8b73-d5492b4e806c" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019ce80f-e9ec-741e-a29a-504b95fea17d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019ce80f-e9ec-7d94-bae1-6e94176b3de9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019ce80f-e9ec-7897-8b73-d5492b4e806c" xlink:to="loc_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019ce80f-e9ec-7d94-bae1-6e94176b3de9" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.aciworldwide.com/role/CondensedConsolidatedFinancialStatementsScheduleofComponentsofOtherCurrentLiabilitiesDetails" xlink:type="simple" xlink:href="aciw-20260331.xsd#CondensedConsolidatedFinancialStatementsScheduleofComponentsofOtherCurrentLiabilitiesDetails"/>
  <link:calculationLink xlink:role="http://www.aciworldwide.com/role/CondensedConsolidatedFinancialStatementsScheduleofComponentsofOtherCurrentLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilitiesCurrent_019ce80f-e9ec-7c36-9aca-75898c03defe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherLiabilitiesCurrent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNotesPayableCurrent_019ce80f-e9ec-7bab-9994-f2d24eb23c15" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherNotesPayableCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherLiabilitiesCurrent_019ce80f-e9ec-7c36-9aca-75898c03defe" xlink:to="loc_us-gaap_OtherNotesPayableCurrent_019ce80f-e9ec-7bab-9994-f2d24eb23c15" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiabilityCurrent_019ce80f-e9ec-718a-9f5e-e471411b2b99" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseLiabilityCurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherLiabilitiesCurrent_019ce80f-e9ec-7c36-9aca-75898c03defe" xlink:to="loc_us-gaap_OperatingLeaseLiabilityCurrent_019ce80f-e9ec-718a-9f5e-e471411b2b99" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedIncomeTaxes_019ce80f-e9ec-7d29-aec4-184a178b1379" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccruedIncomeTaxes"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherLiabilitiesCurrent_019ce80f-e9ec-7c36-9aca-75898c03defe" xlink:to="loc_us-gaap_AccruedIncomeTaxes_019ce80f-e9ec-7d29-aec4-184a178b1379" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesAndExciseTaxPayableCurrent_019ce80f-e9ec-7bd0-8a21-51c4d581f116" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SalesAndExciseTaxPayableCurrent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherLiabilitiesCurrent_019ce80f-e9ec-7c36-9aca-75898c03defe" xlink:to="loc_us-gaap_SalesAndExciseTaxPayableCurrent_019ce80f-e9ec-7bd0-8a21-51c4d581f116" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherSundryLiabilitiesCurrent_019d194a-485e-71df-be54-e1f0d83e0540" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherSundryLiabilitiesCurrent"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherLiabilitiesCurrent_019ce80f-e9ec-7c36-9aca-75898c03defe" xlink:to="loc_us-gaap_OtherSundryLiabilitiesCurrent_019d194a-485e-71df-be54-e1f0d83e0540" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.aciworldwide.com/role/RevenueScheduleofTotalReceivablesNetDetails" xlink:type="simple" xlink:href="aciw-20260331.xsd#RevenueScheduleofTotalReceivablesNetDetails"/>
  <link:calculationLink xlink:role="http://www.aciworldwide.com/role/RevenueScheduleofTotalReceivablesNetDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableNet_019ce80f-e9ec-718c-b999-82f804b5dca2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsReceivableNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BilledContractReceivables_019ce80f-e9ec-72f3-9b79-7c67bf495b2f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BilledContractReceivables"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsReceivableNet_019ce80f-e9ec-718c-b999-82f804b5dca2" xlink:to="loc_us-gaap_BilledContractReceivables_019ce80f-e9ec-72f3-9b79-7c67bf495b2f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_aciw_AccruedReceivablesNet_019ce80f-e9ec-74dc-9ffc-7d46d6bd8704" xlink:href="aciw-20260331.xsd#aciw_AccruedReceivablesNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsReceivableNet_019ce80f-e9ec-718c-b999-82f804b5dca2" xlink:to="loc_aciw_AccruedReceivablesNet_019ce80f-e9ec-74dc-9ffc-7d46d6bd8704" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BilledContractReceivables_019ce80f-e9ec-76d9-95eb-476ca84e4347" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BilledContractReceivables"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableGrossCurrent_019ce80f-e9ec-76bc-88b8-a88e14f665b6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsReceivableGrossCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BilledContractReceivables_019ce80f-e9ec-76d9-95eb-476ca84e4347" xlink:to="loc_us-gaap_AccountsReceivableGrossCurrent_019ce80f-e9ec-76bc-88b8-a88e14f665b6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent_019ce80f-e9ec-7bff-ae88-9e129ab3d36c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BilledContractReceivables_019ce80f-e9ec-76d9-95eb-476ca84e4347" xlink:to="loc_us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent_019ce80f-e9ec-7bff-ae88-9e129ab3d36c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_aciw_AccruedReceivablesNet_019ce80f-e9ec-73c7-85df-b3b3f4706164" xlink:href="aciw-20260331.xsd#aciw_AccruedReceivablesNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableNetNoncurrent_019ce80f-e9ec-712e-a96c-f8fb25782d2d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsReceivableNetNoncurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_aciw_AccruedReceivablesNet_019ce80f-e9ec-73c7-85df-b3b3f4706164" xlink:to="loc_us-gaap_AccountsReceivableNetNoncurrent_019ce80f-e9ec-712e-a96c-f8fb25782d2d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesNetCurrent_019ce80f-e9ec-77de-acf6-1f9b904b8ed0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesNetCurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_aciw_AccruedReceivablesNet_019ce80f-e9ec-73c7-85df-b3b3f4706164" xlink:to="loc_us-gaap_ReceivablesNetCurrent_019ce80f-e9ec-77de-acf6-1f9b904b8ed0" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.aciworldwide.com/role/DebtScheduleofMaturitiesonDebtOutstandingDetails" xlink:type="simple" xlink:href="aciw-20260331.xsd#DebtScheduleofMaturitiesonDebtOutstandingDetails"/>
  <link:calculationLink xlink:role="http://www.aciworldwide.com/role/DebtScheduleofMaturitiesonDebtOutstandingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_019ce80f-e9ed-7910-b85b-9539afca0f5f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear_019ce80f-e9ed-7294-b1bd-05a5c33c7f93" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_019ce80f-e9ed-7910-b85b-9539afca0f5f" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear_019ce80f-e9ed-7294-b1bd-05a5c33c7f93" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_019ce80f-e9ed-79f5-8534-95cb64e3b12f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_019ce80f-e9ed-7910-b85b-9539afca0f5f" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_019ce80f-e9ed-79f5-8534-95cb64e3b12f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_019ce80f-e9ed-7e22-a872-b8e0fbc5e08e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_019ce80f-e9ed-7910-b85b-9539afca0f5f" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_019ce80f-e9ed-7e22-a872-b8e0fbc5e08e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_019ce80f-e9ed-7730-83e6-156e4438bbda" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_019ce80f-e9ed-7910-b85b-9539afca0f5f" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_019ce80f-e9ed-7730-83e6-156e4438bbda" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_019ce80f-e9ed-709b-a316-26cc9f2d81f5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_019ce80f-e9ed-7910-b85b-9539afca0f5f" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_019ce80f-e9ed-709b-a316-26cc9f2d81f5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_aciw_LongTermDebtMaturityAfterYearFour_019ce80f-e9ed-7585-81a2-3bf62a103f23" xlink:href="aciw-20260331.xsd#aciw_LongTermDebtMaturityAfterYearFour"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_019ce80f-e9ed-7910-b85b-9539afca0f5f" xlink:to="loc_aciw_LongTermDebtMaturityAfterYearFour_019ce80f-e9ed-7585-81a2-3bf62a103f23" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.aciworldwide.com/role/SoftwareandOtherIntangibleAssetsScheduleofCarryingAmountandAccumulatedAmortizationofSoftwareDetails" xlink:type="simple" xlink:href="aciw-20260331.xsd#SoftwareandOtherIntangibleAssetsScheduleofCarryingAmountandAccumulatedAmortizationofSoftwareDetails"/>
  <link:calculationLink xlink:role="http://www.aciworldwide.com/role/SoftwareandOtherIntangibleAssetsScheduleofCarryingAmountandAccumulatedAmortizationofSoftwareDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ce80f-e9ed-767f-bb7c-b4d630e88b03" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_019ce80f-e9ed-7aab-9102-8f9fc0d0ff6d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ce80f-e9ed-767f-bb7c-b4d630e88b03" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_019ce80f-e9ed-7aab-9102-8f9fc0d0ff6d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019ce80f-e9ed-75b4-b764-7490330d9202" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ce80f-e9ed-767f-bb7c-b4d630e88b03" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019ce80f-e9ed-75b4-b764-7490330d9202" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.aciworldwide.com/role/SoftwareandOtherIntangibleAssetsScheduleofEstimatedAmortizationExpenseDetails" xlink:type="simple" xlink:href="aciw-20260331.xsd#SoftwareandOtherIntangibleAssetsScheduleofEstimatedAmortizationExpenseDetails"/>
  <link:calculationLink xlink:role="http://www.aciworldwide.com/role/SoftwareandOtherIntangibleAssetsScheduleofEstimatedAmortizationExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ce80f-e9ed-71da-802c-70f358df4a85" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear_019ce80f-e9ed-78fc-a674-ec712f543ed9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ce80f-e9ed-71da-802c-70f358df4a85" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear_019ce80f-e9ed-78fc-a674-ec712f543ed9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_019ce80f-e9ed-7c51-b084-348a682b4205" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ce80f-e9ed-71da-802c-70f358df4a85" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_019ce80f-e9ed-7c51-b084-348a682b4205" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_019ce80f-e9ed-76a6-b4ba-d2b7616eafb5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ce80f-e9ed-71da-802c-70f358df4a85" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_019ce80f-e9ed-76a6-b4ba-d2b7616eafb5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_019ce80f-e9ed-7fb4-89d8-171541d88e65" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ce80f-e9ed-71da-802c-70f358df4a85" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_019ce80f-e9ed-7fb4-89d8-171541d88e65" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_019ce80f-e9ed-7556-b79d-571aa72c01c3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ce80f-e9ed-71da-802c-70f358df4a85" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_019ce80f-e9ed-7556-b79d-571aa72c01c3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_aciw_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour_019ce80f-e9ed-7d16-8804-e8c517cdf650" xlink:href="aciw-20260331.xsd#aciw_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ce80f-e9ed-71da-802c-70f358df4a85" xlink:to="loc_aciw_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour_019ce80f-e9ed-7d16-8804-e8c517cdf650" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.aciworldwide.com/role/EarningsPerShareScheduleofReconciliationofWeightedAverageShareAmountsUsedtoComputeBasicandDilutedLossPerShareDetails" xlink:type="simple" xlink:href="aciw-20260331.xsd#EarningsPerShareScheduleofReconciliationofWeightedAverageShareAmountsUsedtoComputeBasicandDilutedLossPerShareDetails"/>
  <link:calculationLink xlink:role="http://www.aciworldwide.com/role/EarningsPerShareScheduleofReconciliationofWeightedAverageShareAmountsUsedtoComputeBasicandDilutedLossPerShareDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019ce80f-e9ed-7253-8509-18108ac6b545" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019ce80f-e9ed-71ed-b1f1-323ec89c8bb2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019ce80f-e9ed-7253-8509-18108ac6b545" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019ce80f-e9ed-71ed-b1f1-323ec89c8bb2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_019ce80f-e9ed-716b-ab71-81523c186a3d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019ce80f-e9ed-7253-8509-18108ac6b545" xlink:to="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_019ce80f-e9ed-716b-ab71-81523c186a3d" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.aciworldwide.com/role/SegmentInformationScheduleofSelectedFinancialDatabyReportableSegmentDetails" xlink:type="simple" xlink:href="aciw-20260331.xsd#SegmentInformationScheduleofSelectedFinancialDatabyReportableSegmentDetails"/>
  <link:calculationLink xlink:role="http://www.aciworldwide.com/role/SegmentInformationScheduleofSelectedFinancialDatabyReportableSegmentDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019ce80f-e9ed-7e39-a210-916d4bc48d33" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_aciw_CorporateAndUnallocatedIncomeExpense_019ce80f-e9ed-7807-be47-900f532fb86e" xlink:href="aciw-20260331.xsd#aciw_CorporateAndUnallocatedIncomeExpense"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019ce80f-e9ed-7e39-a210-916d4bc48d33" xlink:to="loc_aciw_CorporateAndUnallocatedIncomeExpense_019ce80f-e9ed-7807-be47-900f532fb86e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_019ce80f-e9ed-7901-892a-5f632c6880f0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019ce80f-e9ed-7e39-a210-916d4bc48d33" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_019ce80f-e9ed-7901-892a-5f632c6880f0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationDepletionAndAmortization_019ce80f-e9ed-70d4-9ed7-09ef2ec7fa79" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepreciationDepletionAndAmortization"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019ce80f-e9ed-7e39-a210-916d4bc48d33" xlink:to="loc_us-gaap_DepreciationDepletionAndAmortization_019ce80f-e9ed-70d4-9ed7-09ef2ec7fa79" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_aciw_SegmentAdjustedEarningsBeforeInterestTaxDepreciationAndAmortization_019ce80f-e9ed-74c0-aa4f-474c1268370b" xlink:href="aciw-20260331.xsd#aciw_SegmentAdjustedEarningsBeforeInterestTaxDepreciationAndAmortization"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019ce80f-e9ed-7e39-a210-916d4bc48d33" xlink:to="loc_aciw_SegmentAdjustedEarningsBeforeInterestTaxDepreciationAndAmortization_019ce80f-e9ed-74c0-aa4f-474c1268370b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_019ce80f-e9ed-7d4a-a31d-9dc16c57be09" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensation"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019ce80f-e9ed-7e39-a210-916d4bc48d33" xlink:to="loc_us-gaap_ShareBasedCompensation_019ce80f-e9ed-7d4a-a31d-9dc16c57be09" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNonoperatingIncomeExpense_019ce80f-e9ed-7b0d-82da-1e4f1e2320d2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherNonoperatingIncomeExpense"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019ce80f-e9ed-7e39-a210-916d4bc48d33" xlink:to="loc_us-gaap_OtherNonoperatingIncomeExpense_019ce80f-e9ed-7b0d-82da-1e4f1e2320d2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_aciw_SegmentAdjustedEarningsBeforeInterestTaxDepreciationAndAmortization_019ce80f-e9ed-7b52-9163-ce360c32be83" xlink:href="aciw-20260331.xsd#aciw_SegmentAdjustedEarningsBeforeInterestTaxDepreciationAndAmortization"/>
    <link:loc xlink:type="locator" xlink:label="loc_aciw_GlobalTechnologyAndInnovationCosts_019ce80f-e9ed-75ec-a11b-7f04f4e468a9" xlink:href="aciw-20260331.xsd#aciw_GlobalTechnologyAndInnovationCosts"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_aciw_SegmentAdjustedEarningsBeforeInterestTaxDepreciationAndAmortization_019ce80f-e9ed-7b52-9163-ce360c32be83" xlink:to="loc_aciw_GlobalTechnologyAndInnovationCosts_019ce80f-e9ed-75ec-a11b-7f04f4e468a9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingOtherItemAmount_019ce80f-e9ed-7601-bbb5-c2038a33c2ea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentReportingOtherItemAmount"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_aciw_SegmentAdjustedEarningsBeforeInterestTaxDepreciationAndAmortization_019ce80f-e9ed-7b52-9163-ce360c32be83" xlink:to="loc_us-gaap_SegmentReportingOtherItemAmount_019ce80f-e9ed-7601-bbb5-c2038a33c2ea" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_aciw_InterchangeCosts_019ce80f-e9ed-7520-b2f0-3a724a246e9e" xlink:href="aciw-20260331.xsd#aciw_InterchangeCosts"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_aciw_SegmentAdjustedEarningsBeforeInterestTaxDepreciationAndAmortization_019ce80f-e9ed-7b52-9163-ce360c32be83" xlink:to="loc_aciw_InterchangeCosts_019ce80f-e9ed-7520-b2f0-3a724a246e9e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019ce80f-e9ed-7f88-b2a3-9377de10f608" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_aciw_SegmentAdjustedEarningsBeforeInterestTaxDepreciationAndAmortization_019ce80f-e9ed-7b52-9163-ce360c32be83" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019ce80f-e9ed-7f88-b2a3-9377de10f608" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
