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

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019d3f30-a7d4-768d-89da-9e8cf5ec6ff7,g:cbe9631e-25af-4897-af86-4c4ea6cca657-->
<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.voya.com/role/CondensedConsolidatedBalanceSheets" xlink:type="simple" xlink:href="voya-20260331.xsd#CondensedConsolidatedBalanceSheets"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/CondensedConsolidatedBalanceSheets" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments_019d3f30-b01e-7723-8dc0-571b5389bc29" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Investments"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019d3f30-b01e-7ff6-b075-5894d3a58e5d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019d3f30-b01e-7723-8dc0-571b5389bc29" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019d3f30-b01e-7ff6-b075-5894d3a58e5d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_AvailableForSaleSecuritiesDebtSecuritiesUsingFairValueOption_019d3f30-b01e-713b-9cbd-e85cebbc2a06" xlink:href="voya-20260331.xsd#voya_AvailableForSaleSecuritiesDebtSecuritiesUsingFairValueOption"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019d3f30-b01e-7723-8dc0-571b5389bc29" xlink:to="loc_voya_AvailableForSaleSecuritiesDebtSecuritiesUsingFairValueOption_019d3f30-b01e-713b-9cbd-e85cebbc2a06" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNi_019d3f30-b01e-7a15-b653-330708d9b123" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesFvNi"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019d3f30-b01e-7723-8dc0-571b5389bc29" xlink:to="loc_us-gaap_EquitySecuritiesFvNi_019d3f30-b01e-7a15-b653-330708d9b123" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherShortTermInvestments_019d3f30-b01e-7f46-9bdc-ddae8d8c4703" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherShortTermInvestments"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019d3f30-b01e-7723-8dc0-571b5389bc29" xlink:to="loc_us-gaap_OtherShortTermInvestments_019d3f30-b01e-7f46-9bdc-ddae8d8c4703" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019d3f30-b01e-750f-82b1-44ca5983eea0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019d3f30-b01e-7723-8dc0-571b5389bc29" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019d3f30-b01e-750f-82b1-44ca5983eea0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansInsurancePolicy_019d3f30-b01e-7782-b96c-5ff23354f40c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansInsurancePolicy"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019d3f30-b01e-7723-8dc0-571b5389bc29" xlink:to="loc_us-gaap_LoansInsurancePolicy_019d3f30-b01e-7782-b96c-5ff23354f40c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_019d3f30-b01e-7dc5-8518-c78b6c8e1c4e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019d3f30-b01e-7723-8dc0-571b5389bc29" xlink:to="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_019d3f30-b01e-7dc5-8518-c78b6c8e1c4e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_019d3f30-b01e-7ae1-b6ac-a0f3e5a26a37" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssets"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019d3f30-b01e-7723-8dc0-571b5389bc29" xlink:to="loc_us-gaap_DerivativeAssets_019d3f30-b01e-7ae1-b6ac-a0f3e5a26a37" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherInvestments_019d3f30-b01e-7967-af04-31078d7c475d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherInvestments"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019d3f30-b01e-7723-8dc0-571b5389bc29" xlink:to="loc_us-gaap_OtherInvestments_019d3f30-b01e-7967-af04-31078d7c475d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRestricted_019d3f30-b01e-7d60-bd8d-25fc368afd8d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleRestricted"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_019d3f30-b01e-7723-8dc0-571b5389bc29" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRestricted_019d3f30-b01e-7d60-bd8d-25fc368afd8d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019d3f30-b01e-788f-ad37-2e05f36101e5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_019d3f30-b01e-7744-8f83-237786c6ec7d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019d3f30-b01e-788f-ad37-2e05f36101e5" xlink:to="loc_us-gaap_PreferredStockValue_019d3f30-b01e-7744-8f83-237786c6ec7d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_019d3f30-b01e-7466-9773-d884ea8970fc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019d3f30-b01e-788f-ad37-2e05f36101e5" xlink:to="loc_us-gaap_CommonStockValue_019d3f30-b01e-7466-9773-d884ea8970fc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValue_019d3f30-b01e-7194-a5e3-55c6e443ff5d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TreasuryStockValue"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019d3f30-b01e-788f-ad37-2e05f36101e5" xlink:to="loc_us-gaap_TreasuryStockValue_019d3f30-b01e-7194-a5e3-55c6e443ff5d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalCommonStock_019d3f30-b01e-7dc2-841f-9187fb75dd4a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdditionalPaidInCapitalCommonStock"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019d3f30-b01e-788f-ad37-2e05f36101e5" xlink:to="loc_us-gaap_AdditionalPaidInCapitalCommonStock_019d3f30-b01e-7dc2-841f-9187fb75dd4a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019d3f30-b01e-7f5e-bc3e-ad8a2441b9a6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.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_019d3f30-b01e-788f-ad37-2e05f36101e5" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019d3f30-b01e-7f5e-bc3e-ad8a2441b9a6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsUnappropriated_019d3f30-b01e-73c9-8299-62a839b1c678" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsUnappropriated"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019d3f30-b01e-788f-ad37-2e05f36101e5" xlink:to="loc_us-gaap_RetainedEarningsUnappropriated_019d3f30-b01e-73c9-8299-62a839b1c678" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019d3f30-b01e-7fb3-a37c-528aa20a7f52" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments_019d3f30-b01e-7f54-a258-89e34d7ef5be" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Investments"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019d3f30-b01e-7fb3-a37c-528aa20a7f52" xlink:to="loc_us-gaap_Investments_019d3f30-b01e-7f54-a258-89e34d7ef5be" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019d3f30-b01e-7c58-895a-bf030d06336e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019d3f30-b01e-7fb3-a37c-528aa20a7f52" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019d3f30-b01e-7c58-895a-bf030d06336e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_019d3f30-b01e-714e-bfb5-16907daaaa74" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResell"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019d3f30-b01e-7fb3-a37c-528aa20a7f52" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_019d3f30-b01e-714e-bfb5-16907daaaa74" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedInvestmentIncomeReceivable_019d3f30-b01e-7232-bef0-c18c1e706537" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccruedInvestmentIncomeReceivable"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019d3f30-b01e-7fb3-a37c-528aa20a7f52" xlink:to="loc_us-gaap_AccruedInvestmentIncomeReceivable_019d3f30-b01e-7232-bef0-c18c1e706537" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaid_019d3f30-b01e-70ae-85e6-3c7bd5c0a3db" xlink:href="voya-20260331.xsd#voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaid"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019d3f30-b01e-7fb3-a37c-528aa20a7f52" xlink:to="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaid_019d3f30-b01e-70ae-85e6-3c7bd5c0a3db" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCostsAndValueOfBusinessAcquired_019d3f30-b01e-77a2-879c-a2f7f0e8be65" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredPolicyAcquisitionCostsAndValueOfBusinessAcquired"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019d3f30-b01e-7fb3-a37c-528aa20a7f52" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCostsAndValueOfBusinessAcquired_019d3f30-b01e-77a2-879c-a2f7f0e8be65" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxAssetsNet_019d3f30-b01e-7046-874e-d8564b89a78c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredIncomeTaxAssetsNet"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019d3f30-b01e-7fb3-a37c-528aa20a7f52" xlink:to="loc_us-gaap_DeferredIncomeTaxAssetsNet_019d3f30-b01e-7046-874e-d8564b89a78c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_019d3f30-b01e-748e-9b94-70e6c0eb1a6c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Goodwill"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019d3f30-b01e-7fb3-a37c-528aa20a7f52" xlink:to="loc_us-gaap_Goodwill_019d3f30-b01e-748e-9b94-70e6c0eb1a6c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherIntangibleAssetsNet_019d3f30-b01e-7cc5-871e-8e704725926b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherIntangibleAssetsNet"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019d3f30-b01e-7fb3-a37c-528aa20a7f52" xlink:to="loc_us-gaap_OtherIntangibleAssetsNet_019d3f30-b01e-7cc5-871e-8e704725926b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_019d3f30-b01e-7cf4-8192-b6b23d073247" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019d3f30-b01e-7fb3-a37c-528aa20a7f52" xlink:to="loc_us-gaap_OtherAssets_019d3f30-b01e-7cf4-8192-b6b23d073247" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_019d3f30-b01e-7f33-a1a5-e81df43f83d9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019d3f30-b01e-7fb3-a37c-528aa20a7f52" xlink:to="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_019d3f30-b01e-7f33-a1a5-e81df43f83d9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019d3f30-b01e-7609-a595-4d40d4cef025" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:calculationArc order="12" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019d3f30-b01e-7fb3-a37c-528aa20a7f52" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019d3f30-b01e-7609-a595-4d40d4cef025" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeparateAccountAssets_019d3f30-b01e-74df-8b75-421097173e55" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeparateAccountAssets"/>
    <link:calculationArc order="13" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019d3f30-b01e-7fb3-a37c-528aa20a7f52" xlink:to="loc_us-gaap_SeparateAccountAssets_019d3f30-b01e-74df-8b75-421097173e55" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsAndShortTermInvestments_019d3f30-b01e-7d78-bdda-eb7c8e904a75" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsAndShortTermInvestments"/>
    <link:calculationArc order="14" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019d3f30-b01e-7fb3-a37c-528aa20a7f52" xlink:to="loc_us-gaap_CashCashEquivalentsAndShortTermInvestments_019d3f30-b01e-7d78-bdda-eb7c8e904a75" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_019d3f30-b01e-7f23-9621-474db9e74bbc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019d3f30-b01e-7f7c-a337-276ce7265053" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019d3f30-b01e-7f23-9621-474db9e74bbc" xlink:to="loc_us-gaap_Liabilities_019d3f30-b01e-7f7c-a337-276ce7265053" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019d3f30-b01e-7748-81ec-c02bfdfaabaf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019d3f30-b01e-7f23-9621-474db9e74bbc" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019d3f30-b01e-7748-81ec-c02bfdfaabaf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_019d3f30-b01e-7fd4-a624-9f3f7192da3f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.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_019d3f30-b01e-7f23-9621-474db9e74bbc" xlink:to="loc_us-gaap_CommitmentsAndContingencies_019d3f30-b01e-7fd4-a624-9f3f7192da3f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TemporaryEquityCarryingAmountIncludingPortionAttributableToNoncontrollingInterests_019d3f30-b01e-702b-99ef-e7239cc33c36" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TemporaryEquityCarryingAmountIncludingPortionAttributableToNoncontrollingInterests"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019d3f30-b01e-7f23-9621-474db9e74bbc" xlink:to="loc_us-gaap_TemporaryEquityCarryingAmountIncludingPortionAttributableToNoncontrollingInterests_019d3f30-b01e-702b-99ef-e7239cc33c36" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019d3f30-b01e-7a2c-ac45-b16d7108e957" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019d3f30-b01e-733f-9a2a-a7b16c0bc2b0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019d3f30-b01e-7a2c-ac45-b16d7108e957" xlink:to="loc_us-gaap_StockholdersEquity_019d3f30-b01e-733f-9a2a-a7b16c0bc2b0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterest_019d3f30-b01e-7fbf-a920-78a6daf16f3e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MinorityInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019d3f30-b01e-7a2c-ac45-b16d7108e957" xlink:to="loc_us-gaap_MinorityInterest_019d3f30-b01e-7fbf-a920-78a6daf16f3e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019d3f30-b01e-7c1c-be0f-5525f7ff7ac5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense_019d3f30-b01e-7c57-9322-a79e47511636" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019d3f30-b01e-7c1c-be0f-5525f7ff7ac5" xlink:to="loc_us-gaap_LiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense_019d3f30-b01e-7c57-9322-a79e47511636" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PolicyholderContractDeposits_019d3f30-b01e-72b9-b182-cf577e9e7bce" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderContractDeposits"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019d3f30-b01e-7c1c-be0f-5525f7ff7ac5" xlink:to="loc_us-gaap_PolicyholderContractDeposits_019d3f30-b01e-72b9-b182-cf577e9e7bce" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ObligationToReturnSecuritiesReceivedAsCollateral_019d3f30-b01e-7a79-9ac4-16bebf637a34" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ObligationToReturnSecuritiesReceivedAsCollateral"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019d3f30-b01e-7c1c-be0f-5525f7ff7ac5" xlink:to="loc_us-gaap_ObligationToReturnSecuritiesReceivedAsCollateral_019d3f30-b01e-7a79-9ac4-16bebf637a34" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermBorrowings_019d3f30-b01e-7368-a5ac-07854e6046ee" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShortTermBorrowings"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019d3f30-b01e-7c1c-be0f-5525f7ff7ac5" xlink:to="loc_us-gaap_ShortTermBorrowings_019d3f30-b01e-7368-a5ac-07854e6046ee" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtNoncurrent_019d3f30-b01e-7bdf-994f-b294014bd53a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtNoncurrent"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019d3f30-b01e-7c1c-be0f-5525f7ff7ac5" xlink:to="loc_us-gaap_LongTermDebtNoncurrent_019d3f30-b01e-7bdf-994f-b294014bd53a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_019d3f30-b01e-727e-8a7a-22b93bc33d98" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilities"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019d3f30-b01e-7c1c-be0f-5525f7ff7ac5" xlink:to="loc_us-gaap_DerivativeLiabilities_019d3f30-b01e-727e-8a7a-22b93bc33d98" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_019d3f30-b01e-756b-98d6-ef473f58bc52" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherLiabilities"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019d3f30-b01e-7c1c-be0f-5525f7ff7ac5" xlink:to="loc_us-gaap_OtherLiabilities_019d3f30-b01e-756b-98d6-ef473f58bc52" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_CollateralizedFinancingsConsolidatedInvestmentEntities_019d3f30-b01e-7e18-867c-639ac39dfd3f" xlink:href="voya-20260331.xsd#voya_CollateralizedFinancingsConsolidatedInvestmentEntities"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019d3f30-b01e-7c1c-be0f-5525f7ff7ac5" xlink:to="loc_voya_CollateralizedFinancingsConsolidatedInvestmentEntities_019d3f30-b01e-7e18-867c-639ac39dfd3f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeparateAccountsLiability_019d3f30-b01e-7705-9e29-61fb2a1ab2dd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeparateAccountsLiability"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019d3f30-b01e-7c1c-be0f-5525f7ff7ac5" xlink:to="loc_us-gaap_SeparateAccountsLiability_019d3f30-b01e-7705-9e29-61fb2a1ab2dd" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/CondensedConsolidatedStatementsofOperationsUnaudited" xlink:type="simple" xlink:href="voya-20260331.xsd#CondensedConsolidatedStatementsofOperationsUnaudited"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/CondensedConsolidatedStatementsofOperationsUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_019d3f30-b01e-72eb-b413-90c707b20dbc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfitLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019d3f30-b01e-7861-8040-feede433a765" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_019d3f30-b01e-72eb-b413-90c707b20dbc" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019d3f30-b01e-7861-8040-feede433a765" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019d3f30-b01e-725f-9a26-c449f7b85eb0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_019d3f30-b01e-72eb-b413-90c707b20dbc" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019d3f30-b01e-725f-9a26-c449f7b85eb0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BenefitsLossesAndExpenses_019d3f30-b01e-74ba-810c-480549b6bfe9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BenefitsLossesAndExpenses"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_019d3f30-b01e-72cd-8c5c-e83b04c9c254" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderBenefitsAndClaimsIncurredNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_019d3f30-b01e-74ba-810c-480549b6bfe9" xlink:to="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_019d3f30-b01e-72cd-8c5c-e83b04c9c254" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestCreditedToPolicyholdersAccountBalances_019d3f30-b01e-7b5a-8ee8-3d6c93bf4615" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestCreditedToPolicyholdersAccountBalances"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_019d3f30-b01e-74ba-810c-480549b6bfe9" xlink:to="loc_us-gaap_InterestCreditedToPolicyholdersAccountBalances_019d3f30-b01e-7b5a-8ee8-3d6c93bf4615" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_019d3f30-b01e-7383-9cad-f81b954e9871" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingExpenses"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_019d3f30-b01e-74ba-810c-480549b6bfe9" xlink:to="loc_us-gaap_OperatingExpenses_019d3f30-b01e-7383-9cad-f81b954e9871" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCostsAndPresentValueOfFutureProfitsAmortization1_019d3f30-b01e-750c-a8a4-cf33d8b07596" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredPolicyAcquisitionCostsAndPresentValueOfFutureProfitsAmortization1"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_019d3f30-b01e-74ba-810c-480549b6bfe9" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCostsAndPresentValueOfFutureProfitsAmortization1_019d3f30-b01e-750c-a8a4-cf33d8b07596" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOther_019d3f30-b01e-7851-a488-a0669acb3ab9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseOther"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_019d3f30-b01e-74ba-810c-480549b6bfe9" xlink:to="loc_us-gaap_InterestExpenseOther_019d3f30-b01e-7851-a488-a0669acb3ab9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseBeneficialInterestsIssuedByConsolidatedVariableInterestEntities_019d3f30-b01e-7f18-ba31-0b0dbebc2fc6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseBeneficialInterestsIssuedByConsolidatedVariableInterestEntities"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_019d3f30-b01e-74ba-810c-480549b6bfe9" xlink:to="loc_us-gaap_InterestExpenseBeneficialInterestsIssuedByConsolidatedVariableInterestEntities_019d3f30-b01e-7f18-ba31-0b0dbebc2fc6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoninterestExpense_019d3f30-b01e-7198-9b9a-b0062e6cd385" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherNoninterestExpense"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_019d3f30-b01e-74ba-810c-480549b6bfe9" xlink:to="loc_us-gaap_OtherNoninterestExpense_019d3f30-b01e-7198-9b9a-b0062e6cd385" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019d3f30-b01e-742c-a0d2-27e893a31a13" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019d3f30-b01e-7f76-beeb-ea66899b58e5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Revenues"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019d3f30-b01e-742c-a0d2-27e893a31a13" xlink:to="loc_us-gaap_Revenues_019d3f30-b01e-7f76-beeb-ea66899b58e5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BenefitsLossesAndExpenses_019d3f30-b01e-7ffb-9aaa-660c92e387f0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BenefitsLossesAndExpenses"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019d3f30-b01e-742c-a0d2-27e893a31a13" xlink:to="loc_us-gaap_BenefitsLossesAndExpenses_019d3f30-b01e-7ffb-9aaa-660c92e387f0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019d3f30-b01e-7e9e-b01b-893c0449c8f2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_019d3f30-b01e-70a2-b354-4cace8d7eaa9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_019d3f30-b01e-7e9e-b01b-893c0449c8f2" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_019d3f30-b01e-70a2-b354-4cace8d7eaa9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_019d3f30-b01e-774e-bae7-894b7c1866bb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfitLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_019d3f30-b01e-7e9e-b01b-893c0449c8f2" xlink:to="loc_us-gaap_ProfitLoss_019d3f30-b01e-774e-bae7-894b7c1866bb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019d3f30-b01e-7eb5-ac3b-7d0f0fb92a5b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019d3f30-b01e-7465-aa8c-4c32b62652ce" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019d3f30-b01e-7eb5-ac3b-7d0f0fb92a5b" xlink:to="loc_us-gaap_NetIncomeLoss_019d3f30-b01e-7465-aa8c-4c32b62652ce" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsPreferredStock_019d3f30-b01e-70fd-9dc4-4be0c1963863" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DividendsPreferredStock"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019d3f30-b01e-7eb5-ac3b-7d0f0fb92a5b" xlink:to="loc_us-gaap_DividendsPreferredStock_019d3f30-b01e-70fd-9dc4-4be0c1963863" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019d3f30-b01e-7537-b14e-ff4bf0303695" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Revenues"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetInvestmentIncome_019d3f30-b01e-72a2-9c1e-bdbd9c97ed1f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetInvestmentIncome"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019d3f30-b01e-7537-b14e-ff4bf0303695" xlink:to="loc_us-gaap_NetInvestmentIncome_019d3f30-b01e-72a2-9c1e-bdbd9c97ed1f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceCommissionsAndFees_019d3f30-b01e-73c9-9c3c-d52b6cd3001c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InsuranceCommissionsAndFees"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019d3f30-b01e-7537-b14e-ff4bf0303695" xlink:to="loc_us-gaap_InsuranceCommissionsAndFees_019d3f30-b01e-73c9-9c3c-d52b6cd3001c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsEarnedNet_019d3f30-b01e-70b8-b8f1-7e435cf99cc4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PremiumsEarnedNet"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019d3f30-b01e-7537-b14e-ff4bf0303695" xlink:to="loc_us-gaap_PremiumsEarnedNet_019d3f30-b01e-70b8-b8f1-7e435cf99cc4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealizedInvestmentGainsLosses_019d3f30-b01e-70e8-a8b6-9a59486ad61b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RealizedInvestmentGainsLosses"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019d3f30-b01e-7537-b14e-ff4bf0303695" xlink:to="loc_us-gaap_RealizedInvestmentGainsLosses_019d3f30-b01e-70e8-a8b6-9a59486ad61b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherIncome_019d3f30-b01e-7aab-adb4-117ce4c917f9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherIncome"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019d3f30-b01e-7537-b14e-ff4bf0303695" xlink:to="loc_us-gaap_OtherIncome_019d3f30-b01e-7aab-adb4-117ce4c917f9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_NetInvestmentIncomeConsolidatedInvestmentEntities_019d3f30-b01e-7dd4-b5c9-a7f10c176b2a" xlink:href="voya-20260331.xsd#voya_NetInvestmentIncomeConsolidatedInvestmentEntities"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019d3f30-b01e-7537-b14e-ff4bf0303695" xlink:to="loc_voya_NetInvestmentIncomeConsolidatedInvestmentEntities_019d3f30-b01e-7dd4-b5c9-a7f10c176b2a" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/CondensedConsolidatedStatementsofComprehensiveIncomeUnaudited" xlink:type="simple" xlink:href="voya-20260331.xsd#CondensedConsolidatedStatementsofComprehensiveIncomeUnaudited"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/CondensedConsolidatedStatementsofComprehensiveIncomeUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019d3f30-b01e-750a-a72b-8f1751a1700a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_019d3f30-b01e-72e5-81a6-314abb598875" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019d3f30-b01e-750a-a72b-8f1751a1700a" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_019d3f30-b01e-72e5-81a6-314abb598875" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTax_019d3f30-b01e-7117-8e1d-26313f61cda5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019d3f30-b01e-750a-a72b-8f1751a1700a" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossTax_019d3f30-b01e-7117-8e1d-26313f61cda5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_019d3f30-b01e-7874-a565-2deb25d4df1a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciLiabilityForFuturePolicyBenefitGainLossBeforeReclassificationAdjustmentAndTax_019d3f30-b01e-7588-9006-dd8045f87fa9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OciLiabilityForFuturePolicyBenefitGainLossBeforeReclassificationAdjustmentAndTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_019d3f30-b01e-7874-a565-2deb25d4df1a" xlink:to="loc_us-gaap_OciLiabilityForFuturePolicyBenefitGainLossBeforeReclassificationAdjustmentAndTax_019d3f30-b01e-7588-9006-dd8045f87fa9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParent_019d3f30-b01e-76c7-ac2d-9ef2275e9d2a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_019d3f30-b01e-7874-a565-2deb25d4df1a" xlink:to="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParent_019d3f30-b01e-76c7-ac2d-9ef2275e9d2a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_019d3f30-b01e-7796-963e-efa5f863e5b2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_019d3f30-b01e-7331-bc6d-a2728521ccfa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfitLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_019d3f30-b01e-7796-963e-efa5f863e5b2" xlink:to="loc_us-gaap_ProfitLoss_019d3f30-b01e-7331-bc6d-a2728521ccfa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019d3f30-b01e-7581-8a43-a58c9c1aa36e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_019d3f30-b01e-7796-963e-efa5f863e5b2" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019d3f30-b01e-7581-8a43-a58c9c1aa36e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_019d3f30-b01e-7849-b947-2c1842b86348" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_019d3f30-b01e-7052-ad76-496865f5ff56" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019d3f30-b01e-7849-b947-2c1842b86348" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_019d3f30-b01e-7052-ad76-496865f5ff56" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest_019d3f30-b01e-7d8e-a171-746cfb771746" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019d3f30-b01e-7849-b947-2c1842b86348" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest_019d3f30-b01e-7d8e-a171-746cfb771746" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/CondensedConsolidatedStatementsofCashFlowsUnaudited" xlink:type="simple" xlink:href="voya-20260331.xsd#CondensedConsolidatedStatementsofCashFlowsUnaudited"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/CondensedConsolidatedStatementsofCashFlowsUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019d3f30-b01e-7e85-838b-59eee685e2aa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019d3f30-b01e-7390-bef0-810309d6327a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.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_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019d3f30-b01e-7e85-838b-59eee685e2aa" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019d3f30-b01e-7390-bef0-810309d6327a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019d3f30-b01e-7aea-b383-4f04808ae559" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019d3f30-b01e-7de3-a1c1-85ee14291dd0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019d3f30-b01e-7aea-b383-4f04808ae559" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019d3f30-b01e-7de3-a1c1-85ee14291dd0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019d3f30-b01e-70d0-baf7-abc376ed525e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019d3f30-b01e-7aea-b383-4f04808ae559" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019d3f30-b01e-70d0-baf7-abc376ed525e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019d3f30-b01e-76e5-959f-dfc29a25f1c1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019d3f30-b01e-7aea-b383-4f04808ae559" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019d3f30-b01e-76e5-959f-dfc29a25f1c1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019d3f30-b01e-7fdd-9387-41236dfa26bb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_019d3f30-b01e-7045-bde9-5e0491f395ae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019d3f30-b01e-7fdd-9387-41236dfa26bb" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_019d3f30-b01e-7045-bde9-5e0491f395ae" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi_019d3f30-b01e-7195-8c8a-f7ac2e9c5460" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019d3f30-b01e-7fdd-9387-41236dfa26bb" xlink:to="loc_us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi_019d3f30-b01e-7195-8c8a-f7ac2e9c5460" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment_019d3f30-b01e-75c1-aba4-8414201c9ce9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForInvestment"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019d3f30-b01e-7fdd-9387-41236dfa26bb" xlink:to="loc_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment_019d3f30-b01e-75c1-aba4-8414201c9ce9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromLimitedPartnershipInvestments_019d3f30-b01e-7055-986e-38a322b36317" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromLimitedPartnershipInvestments"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019d3f30-b01e-7fdd-9387-41236dfa26bb" xlink:to="loc_us-gaap_ProceedsFromLimitedPartnershipInvestments_019d3f30-b01e-7055-986e-38a322b36317" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_019d3f30-b01e-72ec-94ce-95733db24ba4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019d3f30-b01e-7fdd-9387-41236dfa26bb" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_019d3f30-b01e-72ec-94ce-95733db24ba4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireEquitySecuritiesFvNi_019d3f30-b01e-71fd-9baf-c757a14476af" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireEquitySecuritiesFvNi"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019d3f30-b01e-7fdd-9387-41236dfa26bb" xlink:to="loc_us-gaap_PaymentsToAcquireEquitySecuritiesFvNi_019d3f30-b01e-71fd-9baf-c757a14476af" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireMortgageNotesReceivable_019d3f30-b01e-7fd5-8bdc-2ed68386196b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireMortgageNotesReceivable"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019d3f30-b01e-7fdd-9387-41236dfa26bb" xlink:to="loc_us-gaap_PaymentsToAcquireMortgageNotesReceivable_019d3f30-b01e-7fd5-8bdc-2ed68386196b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireLimitedPartnershipInterests_019d3f30-b01e-79b9-a3dc-381e6572918b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireLimitedPartnershipInterests"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019d3f30-b01e-7fdd-9387-41236dfa26bb" xlink:to="loc_us-gaap_PaymentsToAcquireLimitedPartnershipInterests_019d3f30-b01e-79b9-a3dc-381e6572918b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromShortTermInvestments_019d3f30-b01e-7a23-9cd3-6bbd63e95f05" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForProceedsFromShortTermInvestments"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019d3f30-b01e-7fdd-9387-41236dfa26bb" xlink:to="loc_us-gaap_PaymentsForProceedsFromShortTermInvestments_019d3f30-b01e-7a23-9cd3-6bbd63e95f05" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromDerivativeInstrumentInvestingActivities_019d3f30-b01e-754e-8aff-23ad6876a343" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForProceedsFromDerivativeInstrumentInvestingActivities"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019d3f30-b01e-7fdd-9387-41236dfa26bb" xlink:to="loc_us-gaap_PaymentsForProceedsFromDerivativeInstrumentInvestingActivities_019d3f30-b01e-754e-8aff-23ad6876a343" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromDivestitureOfInterestInConsolidatedSubsidiaries_019d3f30-b01e-7f1c-8237-7be1d13c74e3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromDivestitureOfInterestInConsolidatedSubsidiaries"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019d3f30-b01e-7fdd-9387-41236dfa26bb" xlink:to="loc_us-gaap_ProceedsFromDivestitureOfInterestInConsolidatedSubsidiaries_019d3f30-b01e-7f1c-8237-7be1d13c74e3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAssetsInvestingActivities_019d3f30-b01e-76f7-b64e-f8bbe89a5239" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireAssetsInvestingActivities"/>
    <link:calculationArc order="12" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019d3f30-b01e-7fdd-9387-41236dfa26bb" xlink:to="loc_us-gaap_PaymentsToAcquireAssetsInvestingActivities_019d3f30-b01e-76f7-b64e-f8bbe89a5239" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInCollateralHeldUnderSecuritiesLending_019d3f30-b01e-7bab-b3b6-6fe497fc3438" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInCollateralHeldUnderSecuritiesLending"/>
    <link:calculationArc order="13" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019d3f30-b01e-7fdd-9387-41236dfa26bb" xlink:to="loc_us-gaap_IncreaseDecreaseInCollateralHeldUnderSecuritiesLending_019d3f30-b01e-7bab-b3b6-6fe497fc3438" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromOtherDeposits_019d3f30-b01e-7933-8e67-62d55fe3e600" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromOtherDeposits"/>
    <link:calculationArc order="14" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019d3f30-b01e-7fdd-9387-41236dfa26bb" xlink:to="loc_us-gaap_ProceedsFromOtherDeposits_019d3f30-b01e-7933-8e67-62d55fe3e600" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_019d3f30-b01e-78b1-854d-f8d53b295a39" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired"/>
    <link:calculationArc order="15" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019d3f30-b01e-7fdd-9387-41236dfa26bb" xlink:to="loc_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_019d3f30-b01e-78b1-854d-f8d53b295a39" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_019d3f30-b01e-7b3a-a090-56e835f2575a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForProceedsFromOtherInvestingActivities"/>
    <link:calculationArc order="16" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019d3f30-b01e-7fdd-9387-41236dfa26bb" xlink:to="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_019d3f30-b01e-7b3a-a090-56e835f2575a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019d3f30-b01e-7b57-b9e1-881c8730348b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionsToContractHoldersFunds_019d3f30-b01e-7bc4-8a0b-9a1de83dead2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdditionsToContractHoldersFunds"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019d3f30-b01e-7b57-b9e1-881c8730348b" xlink:to="loc_us-gaap_AdditionsToContractHoldersFunds_019d3f30-b01e-7bc4-8a0b-9a1de83dead2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WithdrawalFromContractHoldersFunds_019d3f30-b01e-7ac8-9ca1-273e15367783" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WithdrawalFromContractHoldersFunds"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019d3f30-b01e-7b57-b9e1-881c8730348b" xlink:to="loc_us-gaap_WithdrawalFromContractHoldersFunds_019d3f30-b01e-7ac8-9ca1-273e15367783" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_019d3f30-b01e-76ea-94a9-c7c6331a1e4c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromIssuanceOfLongTermDebt"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019d3f30-b01e-7b57-b9e1-881c8730348b" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_019d3f30-b01e-76ea-94a9-c7c6331a1e4c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfDebtMaturingInMoreThanThreeMonths_019d3f30-b01e-7a3d-9d07-fc01385d9390" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RepaymentsOfDebtMaturingInMoreThanThreeMonths"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019d3f30-b01e-7b57-b9e1-881c8730348b" xlink:to="loc_us-gaap_RepaymentsOfDebtMaturingInMoreThanThreeMonths_019d3f30-b01e-7a3d-9d07-fc01385d9390" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_BorrowingsofConsolidatedInvestmentEntities_019d3f30-b01e-7070-b3a6-333ad44f5e8d" xlink:href="voya-20260331.xsd#voya_BorrowingsofConsolidatedInvestmentEntities"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019d3f30-b01e-7b57-b9e1-881c8730348b" xlink:to="loc_voya_BorrowingsofConsolidatedInvestmentEntities_019d3f30-b01e-7070-b3a6-333ad44f5e8d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_RepaymentOfBorrowingsOfNoncontrollingInterests_019d3f30-b01e-7d27-b480-d0af6bce0fa7" xlink:href="voya-20260331.xsd#voya_RepaymentOfBorrowingsOfNoncontrollingInterests"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019d3f30-b01e-7b57-b9e1-881c8730348b" xlink:to="loc_voya_RepaymentOfBorrowingsOfNoncontrollingInterests_019d3f30-b01e-7d27-b480-d0af6bce0fa7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromPaymentsToMinorityShareholders_019d3f30-b01e-7fed-9a80-1281fd25a6dd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromPaymentsToMinorityShareholders"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019d3f30-b01e-7b57-b9e1-881c8730348b" xlink:to="loc_us-gaap_ProceedsFromPaymentsToMinorityShareholders_019d3f30-b01e-7fed-9a80-1281fd25a6dd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_019d3f30-b01e-7e22-8225-054c1f4e1166" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019d3f30-b01e-7b57-b9e1-881c8730348b" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_019d3f30-b01e-7e22-8225-054c1f4e1166" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019d3f30-b01e-7bf3-847f-96ab9c5ee5f3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019d3f30-b01e-7b57-b9e1-881c8730348b" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019d3f30-b01e-7bf3-847f-96ab9c5ee5f3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_019d3f30-b01e-7b0e-9e86-de4521a4ea29" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019d3f30-b01e-7b57-b9e1-881c8730348b" xlink:to="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_019d3f30-b01e-7b0e-9e86-de4521a4ea29" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_019d3f30-b01e-7779-bb14-93e791f5e048" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:calculationArc order="11" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019d3f30-b01e-7b57-b9e1-881c8730348b" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_019d3f30-b01e-7779-bb14-93e791f5e048" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentForContingentConsiderationLiabilityFinancingActivities_019dd07c-2313-70d7-9b76-2d08597b6c17" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentForContingentConsiderationLiabilityFinancingActivities"/>
    <link:calculationArc order="12" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019d3f30-b01e-7b57-b9e1-881c8730348b" xlink:to="loc_us-gaap_PaymentForContingentConsiderationLiabilityFinancingActivities_019dd07c-2313-70d7-9b76-2d08597b6c17" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_019d3f30-b01e-7f0d-95fd-67d3a4be3d3b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromPaymentsForOtherFinancingActivities"/>
    <link:calculationArc order="13" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019d3f30-b01e-7b57-b9e1-881c8730348b" xlink:to="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_019d3f30-b01e-7f0d-95fd-67d3a4be3d3b" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/InvestmentsexcludingConsolidatedInvestmentEntitiesDebtMaturitiesDetails" xlink:type="simple" xlink:href="voya-20260331.xsd#InvestmentsexcludingConsolidatedInvestmentEntitiesDebtMaturitiesDetails"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/InvestmentsexcludingConsolidatedInvestmentEntitiesDebtMaturitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019d3f30-b01e-7a03-8d23-6415738735e1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis_019d3f30-b01e-77c2-a1f6-4912c594338e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019d3f30-b01e-7a03-8d23-6415738735e1" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis_019d3f30-b01e-77c2-a1f6-4912c594338e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_019d3f30-b01e-7479-8584-9cf9e8362312" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019d3f30-b01e-7a03-8d23-6415738735e1" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_019d3f30-b01e-7479-8584-9cf9e8362312" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_019d3f30-b01e-79f9-80b4-72dab3e166b2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019d3f30-b01e-7a03-8d23-6415738735e1" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_019d3f30-b01e-79f9-80b4-72dab3e166b2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_019d3f30-b01e-7e46-8e21-f486beecdd21" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019d3f30-b01e-7a03-8d23-6415738735e1" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_019d3f30-b01e-7e46-8e21-f486beecdd21" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_019d3f30-b01e-7ebb-b280-51b8bbe96595" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019d3f30-b01e-7a03-8d23-6415738735e1" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_019d3f30-b01e-7ebb-b280-51b8bbe96595" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019d3f30-b01e-7668-a3ef-086689f219f9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_019d3f30-b01e-7052-a8ac-5d113dcd9496" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019d3f30-b01e-7668-a3ef-086689f219f9" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_019d3f30-b01e-7052-a8ac-5d113dcd9496" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_019d3f30-b01e-794f-8965-d47ccba5797a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019d3f30-b01e-7668-a3ef-086689f219f9" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_019d3f30-b01e-794f-8965-d47ccba5797a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_019d3f30-b01e-713a-a924-5414a32e48f2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019d3f30-b01e-7668-a3ef-086689f219f9" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_019d3f30-b01e-713a-a924-5414a32e48f2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_019d3f30-b01e-7b5d-8ca5-c0d6a4488b57" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019d3f30-b01e-7668-a3ef-086689f219f9" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_019d3f30-b01e-7b5d-8ca5-c0d6a4488b57" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_019d3f30-b01e-77dd-abda-dfa30311a369" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019d3f30-b01e-7668-a3ef-086689f219f9" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_019d3f30-b01e-77dd-abda-dfa30311a369" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/InvestmentsexcludingConsolidatedInvestmentEntitiesUnrealizedCapitalLossesDetails" xlink:type="simple" xlink:href="voya-20260331.xsd#InvestmentsexcludingConsolidatedInvestmentEntitiesUnrealizedCapitalLossesDetails"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/InvestmentsexcludingConsolidatedInvestmentEntitiesUnrealizedCapitalLossesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019d3f30-b0e8-71ec-beb2-8883d1d72253" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019d3f30-b0e8-7cdb-a96e-f3ac72b68d95" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019d3f30-b0e8-71ec-beb2-8883d1d72253" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019d3f30-b0e8-7cdb-a96e-f3ac72b68d95" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019d3f30-b0e8-7377-9ecc-130aa6ffca72" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019d3f30-b0e8-71ec-beb2-8883d1d72253" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019d3f30-b0e8-7377-9ecc-130aa6ffca72" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019d3f30-b0e8-75bb-8b1c-b72a34c4826c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019d3f30-b0e8-7ec5-95f3-a16aec32b38e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019d3f30-b0e8-75bb-8b1c-b72a34c4826c" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019d3f30-b0e8-7ec5-95f3-a16aec32b38e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019d3f30-b0e8-7151-b6cf-ef2afc1ba2f4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019d3f30-b0e8-75bb-8b1c-b72a34c4826c" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019d3f30-b0e8-7151-b6cf-ef2afc1ba2f4" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/InvestmentsexcludingConsolidatedInvestmentEntitiesNetInvestmentIncomeDetails" xlink:type="simple" xlink:href="voya-20260331.xsd#InvestmentsexcludingConsolidatedInvestmentEntitiesNetInvestmentIncomeDetails"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/InvestmentsexcludingConsolidatedInvestmentEntitiesNetInvestmentIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeNet_019d3f30-b0e8-71f3-a30d-35ca4273513e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentIncomeNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GrossInvestmentIncomeOperating_019d3f30-b0e8-7a60-a546-a8d1f1f3810e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GrossInvestmentIncomeOperating"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InvestmentIncomeNet_019d3f30-b0e8-71f3-a30d-35ca4273513e" xlink:to="loc_us-gaap_GrossInvestmentIncomeOperating_019d3f30-b0e8-7a60-a546-a8d1f1f3810e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeInvestmentExpense_019d3f30-b0e8-79c8-badc-e04619941979" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentIncomeInvestmentExpense"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InvestmentIncomeNet_019d3f30-b0e8-71f3-a30d-35ca4273513e" xlink:to="loc_us-gaap_InvestmentIncomeInvestmentExpense_019d3f30-b0e8-79c8-badc-e04619941979" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="voya-20260331.xsd#DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_019d3f30-b0e8-70d1-9160-de0cfd371abf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral_019d3f30-b0e8-7538-b3b3-7152cb71a88a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_019d3f30-b0e8-70d1-9160-de0cfd371abf" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountNotOffsetAgainstCollateral_019d3f30-b0e8-7538-b3b3-7152cb71a88a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset_019d3f30-b0e8-7494-9f65-58a07de6087a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_019d3f30-b0e8-70d1-9160-de0cfd371abf" xlink:to="loc_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset_019d3f30-b0e8-7494-9f65-58a07de6087a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralObligationToReturnCash_019d3f30-b0e8-7b52-a6fe-6b8972539c6b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeCollateralObligationToReturnCash"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_019d3f30-b0e8-70d1-9160-de0cfd371abf" xlink:to="loc_us-gaap_DerivativeCollateralObligationToReturnCash_019d3f30-b0e8-7b52-a6fe-6b8972539c6b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralObligationToReturnSecurities_019d3f30-b0e8-7ffa-b223-eacd7c3ed0fb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeCollateralObligationToReturnSecurities"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_019d3f30-b0e8-70d1-9160-de0cfd371abf" xlink:to="loc_us-gaap_DerivativeCollateralObligationToReturnSecurities_019d3f30-b0e8-7ffa-b223-eacd7c3ed0fb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_019d3f30-b0e8-7863-a894-29a2cc48217a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountNotOffsetAgainstCollateral_019d3f30-b0e8-72c1-a71f-f05149dad508" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountNotOffsetAgainstCollateral"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_019d3f30-b0e8-7863-a894-29a2cc48217a" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountNotOffsetAgainstCollateral_019d3f30-b0e8-72c1-a71f-f05149dad508" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityCollateralRightToReclaimCashOffset_019d3f30-b0e8-78b2-9f69-26b8b70fce3c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilityCollateralRightToReclaimCashOffset"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_019d3f30-b0e8-7863-a894-29a2cc48217a" xlink:to="loc_us-gaap_DerivativeLiabilityCollateralRightToReclaimCashOffset_019d3f30-b0e8-78b2-9f69-26b8b70fce3c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimCash_019d3f30-b0e8-759d-88ea-2a68ea37d228" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeCollateralRightToReclaimCash"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_019d3f30-b0e8-7863-a894-29a2cc48217a" xlink:to="loc_us-gaap_DerivativeCollateralRightToReclaimCash_019d3f30-b0e8-759d-88ea-2a68ea37d228" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimSecurities_019d3f30-b0e8-75fe-b299-4e45f07d48d7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeCollateralRightToReclaimSecurities"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_019d3f30-b0e8-7863-a894-29a2cc48217a" xlink:to="loc_us-gaap_DerivativeCollateralRightToReclaimSecurities_019d3f30-b0e8-75fe-b299-4e45f07d48d7" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/FairValueMeasurementsexcludingConsolidatedInvestmentEntitiesFairValueMeasurementDetails" xlink:type="simple" xlink:href="voya-20260331.xsd#FairValueMeasurementsexcludingConsolidatedInvestmentEntitiesFairValueMeasurementDetails"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/FairValueMeasurementsexcludingConsolidatedInvestmentEntitiesFairValueMeasurementDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019d3f30-b0e8-7923-89e4-16f193429832" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetAcquisitionContingentConsiderationLiability_019d3f30-b0e8-7541-a844-7dad9f5638d5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetAcquisitionContingentConsiderationLiability"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019d3f30-b0e8-7923-89e4-16f193429832" xlink:to="loc_us-gaap_AssetAcquisitionContingentConsiderationLiability_019d3f30-b0e8-7541-a844-7dad9f5638d5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesRelatedToInvestmentContractsFairValueDisclosure_019d3f30-b0e8-7e79-9481-0fd69aa71ac5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesRelatedToInvestmentContractsFairValueDisclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019d3f30-b0e8-7923-89e4-16f193429832" xlink:to="loc_us-gaap_LiabilitiesRelatedToInvestmentContractsFairValueDisclosure_019d3f30-b0e8-7e79-9481-0fd69aa71ac5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_019d3f30-b0e8-7d72-85a6-b3df5e152dc9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019d3f30-b0e8-7923-89e4-16f193429832" xlink:to="loc_us-gaap_DerivativeLiabilities_019d3f30-b0e8-7d72-85a6-b3df5e152dc9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmbeddedDerivativeFairValueOfEmbeddedDerivativeLiability_019d3f30-b0e8-7e8d-aaa5-83c2167d6620" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EmbeddedDerivativeFairValueOfEmbeddedDerivativeLiability"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019d3f30-b0e8-7923-89e4-16f193429832" xlink:to="loc_us-gaap_EmbeddedDerivativeFairValueOfEmbeddedDerivativeLiability_019d3f30-b0e8-7e8d-aaa5-83c2167d6620" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/ReservesforFuturePolicyBenefitsandContractOwnerAccountBalancesLiabilityforFuturePolicyBenefitsDetails" xlink:type="simple" xlink:href="voya-20260331.xsd#ReservesforFuturePolicyBenefitsandContractOwnerAccountBalancesLiabilityforFuturePolicyBenefitsDetails"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/ReservesforFuturePolicyBenefitsandContractOwnerAccountBalancesLiabilityforFuturePolicyBenefitsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForFuturePolicyBenefitAfterReinsurance_019d3f30-b0e8-7f1e-bf14-96cd07485c51" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitAfterReinsurance"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForFuturePolicyBenefits_019d3f30-b0e8-7301-8fd0-aae6cb4cb967" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefits"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForFuturePolicyBenefitAfterReinsurance_019d3f30-b0e8-7f1e-bf14-96cd07485c51" xlink:to="loc_us-gaap_LiabilityForFuturePolicyBenefits_019d3f30-b0e8-7301-8fd0-aae6cb4cb967" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForFuturePolicyBenefitReinsuranceRecoverableAfterAllowance_019d3f30-b0e8-7522-acb2-4050be6021a8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitReinsuranceRecoverableAfterAllowance"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForFuturePolicyBenefitAfterReinsurance_019d3f30-b0e8-7f1e-bf14-96cd07485c51" xlink:to="loc_us-gaap_LiabilityForFuturePolicyBenefitReinsuranceRecoverableAfterAllowance_019d3f30-b0e8-7522-acb2-4050be6021a8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForFuturePolicyBenefits_019d3f30-b0e8-7866-a578-f0f25054920a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefits"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeReinsuranceAfterDiscountRateChange_019d3f30-b0e8-70ac-939c-f056b60a4420" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeReinsuranceAfterDiscountRateChange"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForFuturePolicyBenefits_019d3f30-b0e8-7866-a578-f0f25054920a" xlink:to="loc_us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeReinsuranceAfterDiscountRateChange_019d3f30-b0e8-70ac-939c-f056b60a4420" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeReinsuranceAfterDiscountRateChange_019d3f30-b0e8-7041-b7ee-ae78dbf5c49b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeReinsuranceAfterDiscountRateChange"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForFuturePolicyBenefits_019d3f30-b0e8-7866-a578-f0f25054920a" xlink:to="loc_us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeReinsuranceAfterDiscountRateChange_019d3f30-b0e8-7041-b7ee-ae78dbf5c49b" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/ReservesforFuturePolicyBenefitsandContractOwnerAccountBalancesRollforwardoftheLiabilityforUnpaidClaimsandClaimAdjustmentExpensesDetails" xlink:type="simple" xlink:href="voya-20260331.xsd#ReservesforFuturePolicyBenefitsandContractOwnerAccountBalancesRollforwardoftheLiabilityforUnpaidClaimsandClaimAdjustmentExpensesDetails"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/ReservesforFuturePolicyBenefitsandContractOwnerAccountBalancesRollforwardoftheLiabilityforUnpaidClaimsandClaimAdjustmentExpensesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_019d3f30-b0e8-71f5-bf64-e26bd1b53bc5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_019d3f30-b0e8-74a9-a3f2-cbb33a725a76" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_019d3f30-b0e8-71f5-bf64-e26bd1b53bc5" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_019d3f30-b0e8-74a9-a3f2-cbb33a725a76" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_019d3f30-b0e8-7557-b014-3530fabbdf9a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_019d3f30-b0e8-71f5-bf64-e26bd1b53bc5" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_019d3f30-b0e8-7557-b014-3530fabbdf9a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_019d3f30-b0e8-732c-a79c-1c9c24044e0d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForLossesAndLossAdjustmentExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1_019d3f30-b0e8-7d72-9169-c0fd6d775a1d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_019d3f30-b0e8-732c-a79c-1c9c24044e0d" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1_019d3f30-b0e8-7d72-9169-c0fd6d775a1d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1_019d3f30-b0e8-771d-b9de-110ea164ae24" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_019d3f30-b0e8-732c-a79c-1c9c24044e0d" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1_019d3f30-b0e8-771d-b9de-110ea164ae24" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/ReinsuranceAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="voya-20260331.xsd#ReinsuranceAssetsandLiabilitiesDetails"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/ReinsuranceAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_voya_ReinsuranceLiabilities_019d3f30-b0e8-7615-8190-71e5136a9a05" xlink:href="voya-20260331.xsd#voya_ReinsuranceLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_ReinsuranceLiabilitiesDirect_019d3f30-b0e8-7e62-83d6-21592c3822c7" xlink:href="voya-20260331.xsd#voya_ReinsuranceLiabilitiesDirect"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_ReinsuranceLiabilities_019d3f30-b0e8-7615-8190-71e5136a9a05" xlink:to="loc_voya_ReinsuranceLiabilitiesDirect_019d3f30-b0e8-7e62-83d6-21592c3822c7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_ReinsuranceLiabilitiesAssumed_019d3f30-b0e8-79b5-a566-85cb84dbb989" xlink:href="voya-20260331.xsd#voya_ReinsuranceLiabilitiesAssumed"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_ReinsuranceLiabilities_019d3f30-b0e8-7615-8190-71e5136a9a05" xlink:to="loc_voya_ReinsuranceLiabilitiesAssumed_019d3f30-b0e8-79b5-a566-85cb84dbb989" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaid_019d3f30-b0e8-71b4-acc3-99c6e79445df" xlink:href="voya-20260331.xsd#voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaid"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidDirect_019d3f30-b0e8-786a-9f00-51c8e1462a50" xlink:href="voya-20260331.xsd#voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidDirect"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaid_019d3f30-b0e8-71b4-acc3-99c6e79445df" xlink:to="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidDirect_019d3f30-b0e8-786a-9f00-51c8e1462a50" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidAssumed_019d3f30-b0e8-74e8-8a91-db1efe7cc0c5" xlink:href="voya-20260331.xsd#voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidAssumed"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaid_019d3f30-b0e8-71b4-acc3-99c6e79445df" xlink:to="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidAssumed_019d3f30-b0e8-74e8-8a91-db1efe7cc0c5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidCeded_019d3f30-b0e8-78ca-86ff-f0775b4c5282" xlink:href="voya-20260331.xsd#voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidCeded"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaid_019d3f30-b0e8-71b4-acc3-99c6e79445df" xlink:to="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidCeded_019d3f30-b0e8-78ca-86ff-f0775b4c5282" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_ReinsuranceLiabilitiesDirect_019d3f30-b0e8-7ac5-a07e-f977e2d53343" xlink:href="voya-20260331.xsd#voya_ReinsuranceLiabilitiesDirect"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalancesDirect_019d3f30-b0e8-772e-8033-503849021cd6" xlink:href="voya-20260331.xsd#voya_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalancesDirect"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_ReinsuranceLiabilitiesDirect_019d3f30-b0e8-7ac5-a07e-f977e2d53343" xlink:to="loc_voya_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalancesDirect_019d3f30-b0e8-772e-8033-503849021cd6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_ReinsuranceLiabilitiesAssumed_019d3f30-b0e8-7011-ac51-e8f94bb4e232" xlink:href="voya-20260331.xsd#voya_ReinsuranceLiabilitiesAssumed"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalancesAssumed_019d3f30-b0e8-73c3-b9ab-5a480d9ca1be" xlink:href="voya-20260331.xsd#voya_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalancesAssumed"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_ReinsuranceLiabilitiesAssumed_019d3f30-b0e8-7011-ac51-e8f94bb4e232" xlink:to="loc_voya_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalancesAssumed_019d3f30-b0e8-73c3-b9ab-5a480d9ca1be" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_PremiumsReceivablePayableNetOfReinsurance_019d3f30-b0e8-740b-b372-84f5b1c55d06" xlink:href="voya-20260331.xsd#voya_PremiumsReceivablePayableNetOfReinsurance"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_PremiumsReceivableDirect_019d3f30-b0e8-7c78-9bbd-afeaff0c130a" xlink:href="voya-20260331.xsd#voya_PremiumsReceivableDirect"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_PremiumsReceivablePayableNetOfReinsurance_019d3f30-b0e8-740b-b372-84f5b1c55d06" xlink:to="loc_voya_PremiumsReceivableDirect_019d3f30-b0e8-7c78-9bbd-afeaff0c130a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_PremiumsReceivableAssumed_019d3f30-b0e8-7b33-83bd-f5716940da0e" xlink:href="voya-20260331.xsd#voya_PremiumsReceivableAssumed"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_PremiumsReceivablePayableNetOfReinsurance_019d3f30-b0e8-740b-b372-84f5b1c55d06" xlink:to="loc_voya_PremiumsReceivableAssumed_019d3f30-b0e8-7b33-83bd-f5716940da0e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CededPremiumsPayable_019d3f30-b0e8-7d53-b88b-326f8091c1cb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CededPremiumsPayable"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_PremiumsReceivablePayableNetOfReinsurance_019d3f30-b0e8-740b-b372-84f5b1c55d06" xlink:to="loc_us-gaap_CededPremiumsPayable_019d3f30-b0e8-7d53-b88b-326f8091c1cb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceRecoverables_019d3f30-b0e8-7ab2-a50a-e2186eceb473" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReinsuranceRecoverables"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_ReinsuranceRecoverablesIncludingReinsurancePremiumPaidCeded_019d3f30-b0e8-7bf8-bd3a-39d0f0a671cf" xlink:href="voya-20260331.xsd#voya_ReinsuranceRecoverablesIncludingReinsurancePremiumPaidCeded"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ReinsuranceRecoverables_019d3f30-b0e8-7ab2-a50a-e2186eceb473" xlink:to="loc_voya_ReinsuranceRecoverablesIncludingReinsurancePremiumPaidCeded_019d3f30-b0e8-7bf8-bd3a-39d0f0a671cf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidDirect_019d3f30-b0e8-7b02-bfd1-7c4296d7f189" xlink:href="voya-20260331.xsd#voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidDirect"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_PremiumsReceivableDirect_019d3f30-b0e8-7b55-b203-ad4c42150299" xlink:href="voya-20260331.xsd#voya_PremiumsReceivableDirect"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidDirect_019d3f30-b0e8-7b02-bfd1-7c4296d7f189" xlink:to="loc_voya_PremiumsReceivableDirect_019d3f30-b0e8-7b55-b203-ad4c42150299" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidAssumed_019d3f30-b0e8-7ddd-b18e-cb389609cac9" xlink:href="voya-20260331.xsd#voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidAssumed"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_PremiumsReceivableAssumed_019d3f30-b0e8-7c1d-b50d-5b057c6cdac5" xlink:href="voya-20260331.xsd#voya_PremiumsReceivableAssumed"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidAssumed_019d3f30-b0e8-7ddd-b18e-cb389609cac9" xlink:to="loc_voya_PremiumsReceivableAssumed_019d3f30-b0e8-7c1d-b50d-5b057c6cdac5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalances_019d3f30-b0e8-79b6-8a4d-89d59ba1fcbd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalances"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalancesDirect_019d3f30-b0e8-7318-aee2-1d0bc56aabdd" xlink:href="voya-20260331.xsd#voya_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalancesDirect"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalances_019d3f30-b0e8-79b6-8a4d-89d59ba1fcbd" xlink:to="loc_voya_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalancesDirect_019d3f30-b0e8-7318-aee2-1d0bc56aabdd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalancesAssumed_019d3f30-b0e8-70d6-b35f-0492c92e3541" xlink:href="voya-20260331.xsd#voya_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalancesAssumed"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalances_019d3f30-b0e8-79b6-8a4d-89d59ba1fcbd" xlink:to="loc_voya_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalancesAssumed_019d3f30-b0e8-70d6-b35f-0492c92e3541" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidCeded_019d3f30-b0e8-73c9-bba6-ca2af2988cf8" xlink:href="voya-20260331.xsd#voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidCeded"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CededPremiumsPayable_019d3f30-b0e8-7ecf-b181-90759860f250" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CededPremiumsPayable"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidCeded_019d3f30-b0e8-73c9-bba6-ca2af2988cf8" xlink:to="loc_us-gaap_CededPremiumsPayable_019d3f30-b0e8-7ecf-b181-90759860f250" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_ReinsuranceRecoverablesIncludingReinsurancePremiumPaidCeded_019d3f30-b0e8-79dc-8e0f-0ceb7b7af0ba" xlink:href="voya-20260331.xsd#voya_ReinsuranceRecoverablesIncludingReinsurancePremiumPaidCeded"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaidCeded_019d3f30-b0e8-73c9-bba6-ca2af2988cf8" xlink:to="loc_voya_ReinsuranceRecoverablesIncludingReinsurancePremiumPaidCeded_019d3f30-b0e8-79dc-8e0f-0ceb7b7af0ba" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/ReinsuranceAssetsandLiabilitiesDetails_1" xlink:type="simple" xlink:href="voya-20260331.xsd#ReinsuranceAssetsandLiabilitiesDetails_1"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/ReinsuranceAssetsandLiabilitiesDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaid_019d3f30-b0e8-75f0-84ba-0af9b4211efe" xlink:href="voya-20260331.xsd#voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaid"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_PremiumsReceivablePayableNetOfReinsurance_019d3f30-b0e8-7c93-86ac-1ebe4e5cd669" xlink:href="voya-20260331.xsd#voya_PremiumsReceivablePayableNetOfReinsurance"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaid_019d3f30-b0e8-75f0-84ba-0af9b4211efe" xlink:to="loc_voya_PremiumsReceivablePayableNetOfReinsurance_019d3f30-b0e8-7c93-86ac-1ebe4e5cd669" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceRecoverables_019d3f30-b0e8-7342-a7ab-f935c6996fc9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReinsuranceRecoverables"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_PremiumsReceivableAndReinsuranceRecoverablesIncludingReinsurancePremiumPaid_019d3f30-b0e8-75f0-84ba-0af9b4211efe" xlink:to="loc_us-gaap_ReinsuranceRecoverables_019d3f30-b0e8-7342-a7ab-f935c6996fc9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_ReinsuranceLiabilities_019d3f30-b0e8-71a8-8e04-e0d6a405f594" xlink:href="voya-20260331.xsd#voya_ReinsuranceLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalances_019d3f30-b0e8-7a53-8719-ea766dcda782" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalances"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_ReinsuranceLiabilities_019d3f30-b0e8-71a8-8e04-e0d6a405f594" xlink:to="loc_us-gaap_ClosedBlockLiabilitiesFuturePolicyBenefitsAndPolicyholderAccountBalances_019d3f30-b0e8-7a53-8719-ea766dcda782" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/ReinsuranceEffectofReinusanceDetails" xlink:type="simple" xlink:href="voya-20260331.xsd#ReinsuranceEffectofReinusanceDetails"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/ReinsuranceEffectofReinusanceDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_voya_PolicyholderInterestAndOtherBenefitsNet_019d3f30-b0e8-7524-b21f-01e34808839f" xlink:href="voya-20260331.xsd#voya_PolicyholderInterestAndOtherBenefitsNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredGross_019d3f30-b0e8-77f9-82ed-f5e4a023e46e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderBenefitsAndClaimsIncurredGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_PolicyholderInterestAndOtherBenefitsNet_019d3f30-b0e8-7524-b21f-01e34808839f" xlink:to="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredGross_019d3f30-b0e8-77f9-82ed-f5e4a023e46e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumed_019d3f30-b0e8-7546-ab9f-8485789f1a58" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumed"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_PolicyholderInterestAndOtherBenefitsNet_019d3f30-b0e8-7524-b21f-01e34808839f" xlink:to="loc_us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumed_019d3f30-b0e8-7546-ab9f-8485789f1a58" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded_019d3f30-b0e8-72ec-b027-32b766af0c59" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_PolicyholderInterestAndOtherBenefitsNet_019d3f30-b0e8-7524-b21f-01e34808839f" xlink:to="loc_us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded_019d3f30-b0e8-72ec-b027-32b766af0c59" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceCommissionsAndFees_019d3f30-b0e8-7692-bd3d-9e9aea83bac1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InsuranceCommissionsAndFees"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerIncludingAssessedTax_019d3f30-b0e8-7fe6-b2a0-10bca1f41676" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueFromContractWithCustomerIncludingAssessedTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InsuranceCommissionsAndFees_019d3f30-b0e8-7692-bd3d-9e9aea83bac1" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerIncludingAssessedTax_019d3f30-b0e8-7fe6-b2a0-10bca1f41676" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_AssumedInsuranceCommissionsAndFees_019d3f30-b0e8-7212-afb1-3f3ec5aee3e8" xlink:href="voya-20260331.xsd#voya_AssumedInsuranceCommissionsAndFees"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InsuranceCommissionsAndFees_019d3f30-b0e8-7692-bd3d-9e9aea83bac1" xlink:to="loc_voya_AssumedInsuranceCommissionsAndFees_019d3f30-b0e8-7212-afb1-3f3ec5aee3e8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_CededInsuranceCommissionsAndFees_019d3f30-b0e8-7220-89ab-1849e4e9887d" xlink:href="voya-20260331.xsd#voya_CededInsuranceCommissionsAndFees"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InsuranceCommissionsAndFees_019d3f30-b0e8-7692-bd3d-9e9aea83bac1" xlink:to="loc_voya_CededInsuranceCommissionsAndFees_019d3f30-b0e8-7220-89ab-1849e4e9887d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsEarnedNet_019d3f30-b0e8-74ef-b096-11d57ef31e8e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PremiumsEarnedNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectPremiumsEarned_019d3f30-b0e8-7a45-8fb3-b212beebe9d4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DirectPremiumsEarned"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsEarnedNet_019d3f30-b0e8-74ef-b096-11d57ef31e8e" xlink:to="loc_us-gaap_DirectPremiumsEarned_019d3f30-b0e8-7a45-8fb3-b212beebe9d4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssumedPremiumsEarned_019d3f30-b0e8-71d6-8851-ff93915b0e2b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssumedPremiumsEarned"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsEarnedNet_019d3f30-b0e8-74ef-b096-11d57ef31e8e" xlink:to="loc_us-gaap_AssumedPremiumsEarned_019d3f30-b0e8-71d6-8851-ff93915b0e2b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CededPremiumsEarned_019d3f30-b0e8-72a8-9e46-daf2b16a0c99" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CededPremiumsEarned"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsEarnedNet_019d3f30-b0e8-74ef-b096-11d57ef31e8e" xlink:to="loc_us-gaap_CededPremiumsEarned_019d3f30-b0e8-72a8-9e46-daf2b16a0c99" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/SegmentsOperatingRevenuesDetails" xlink:type="simple" xlink:href="voya-20260331.xsd#SegmentsOperatingRevenuesDetails"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/SegmentsOperatingRevenuesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019d3f30-b0e8-74c1-964d-4edb220a4c80" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Revenues"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_InvestmentGainsLossesAndOtherRelatedAdjustments_019d3f30-b0e8-759f-931e-ac23e951920a" xlink:href="voya-20260331.xsd#voya_InvestmentGainsLossesAndOtherRelatedAdjustments"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019d3f30-b0e8-74c1-964d-4edb220a4c80" xlink:to="loc_voya_InvestmentGainsLossesAndOtherRelatedAdjustments_019d3f30-b0e8-759f-931e-ac23e951920a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationRevenue_019d3f30-b0e8-716a-8fa9-26abac15d2c9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationRevenue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019d3f30-b0e8-74c1-964d-4edb220a4c80" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationRevenue_019d3f30-b0e8-716a-8fa9-26abac15d2c9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_RevenuesAttributabletoNoncontrollingInterest_019d3f30-b0e8-77c9-a2ce-55a32ce5f7e8" xlink:href="voya-20260331.xsd#voya_RevenuesAttributabletoNoncontrollingInterest"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019d3f30-b0e8-74c1-964d-4edb220a4c80" xlink:to="loc_voya_RevenuesAttributabletoNoncontrollingInterest_019d3f30-b0e8-77c9-a2ce-55a32ce5f7e8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherOperatingIncome_019d3f30-b0e8-754b-b88b-c0d60b92ea9d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherOperatingIncome"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019d3f30-b0e8-74c1-964d-4edb220a4c80" xlink:to="loc_us-gaap_OtherOperatingIncome_019d3f30-b0e8-754b-b88b-c0d60b92ea9d" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/GoodwillandOtherIntangibleAssetsOtherIntangibleAssetsDetails" xlink:type="simple" xlink:href="voya-20260331.xsd#GoodwillandOtherIntangibleAssetsOtherIntangibleAssetsDetails"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/GoodwillandOtherIntangibleAssetsOtherIntangibleAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019d3f30-b1b5-7be6-a8f7-f7b427313e96" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_019d3f30-b1b5-753b-b8b7-b6327ef348f3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019d3f30-b1b5-7be6-a8f7-f7b427313e96" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_019d3f30-b1b5-753b-b8b7-b6327ef348f3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019d3f30-b1b5-7177-9f4f-729885bb76ea" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019d3f30-b1b5-7be6-a8f7-f7b427313e96" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019d3f30-b1b5-7177-9f4f-729885bb76ea" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/SharebasedIncentiveCompensationPlansCompensationCostDetails" xlink:type="simple" xlink:href="voya-20260331.xsd#SharebasedIncentiveCompensationPlansCompensationCostDetails"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/SharebasedIncentiveCompensationPlansCompensationCostDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax_019d3f30-b1b4-78c7-b560-d07bc089ca64" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpense_019d3f30-b1b4-73da-b890-1aa54dc76109" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AllocatedShareBasedCompensationExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax_019d3f30-b1b4-78c7-b560-d07bc089ca64" xlink:to="loc_us-gaap_AllocatedShareBasedCompensationExpense_019d3f30-b1b4-73da-b890-1aa54dc76109" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense_019d3f30-b1b4-7e92-88fd-c8fe22ddd7ab" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax_019d3f30-b1b4-78c7-b560-d07bc089ca64" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense_019d3f30-b1b4-7e92-88fd-c8fe22ddd7ab" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/EarningsperCommonShareDetails" xlink:type="simple" xlink:href="voya-20260331.xsd#EarningsperCommonShareDetails"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/EarningsperCommonShareDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019d3f30-b1b4-7e92-973c-d68c48758718" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019d3f30-b1b4-7050-8b95-a5ebf3928fd1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019d3f30-b1b4-7e92-973c-d68c48758718" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019d3f30-b1b4-7050-8b95-a5ebf3928fd1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_019d3f30-b1b4-74a0-8e6d-edf1c385a967" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019d3f30-b1b4-7e92-973c-d68c48758718" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_019d3f30-b1b4-74a0-8e6d-edf1c385a967" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_019d3f30-b1b4-7b4a-b93d-769ab1c30dd0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019d3f30-b1b4-7e92-973c-d68c48758718" xlink:to="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_019d3f30-b1b4-7b4a-b93d-769ab1c30dd0" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/AccumulatedOtherComprehensiveIncomeLossComponentsofAOCIDetails" xlink:type="simple" xlink:href="voya-20260331.xsd#AccumulatedOtherComprehensiveIncomeLossComponentsofAOCIDetails"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/AccumulatedOtherComprehensiveIncomeLossComponentsofAOCIDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_voya_AccumulatedOtherComprehensiveIncomeLossUnrealizedCapitalGainsLossesAdjustmentNetOfTax_019d3f30-b1b4-7fa5-903b-4d0eb9d8aeac" xlink:href="voya-20260331.xsd#voya_AccumulatedOtherComprehensiveIncomeLossUnrealizedCapitalGainsLossesAdjustmentNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_019d3f30-b1b4-7d2c-83e9-9213ba610487" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_AccumulatedOtherComprehensiveIncomeLossUnrealizedCapitalGainsLossesAdjustmentNetOfTax_019d3f30-b1b4-7fa5-903b-4d0eb9d8aeac" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_019d3f30-b1b4-7d2c-83e9-9213ba610487" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax_019d3f30-b1b4-7235-b36f-757703232e5d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_AccumulatedOtherComprehensiveIncomeLossUnrealizedCapitalGainsLossesAdjustmentNetOfTax_019d3f30-b1b4-7fa5-903b-4d0eb9d8aeac" xlink:to="loc_us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax_019d3f30-b1b4-7235-b36f-757703232e5d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax_019d3f30-b1b4-7366-90b0-efb89fa76a4d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_AccumulatedOtherComprehensiveIncomeLossUnrealizedCapitalGainsLossesAdjustmentNetOfTax_019d3f30-b1b4-7fa5-903b-4d0eb9d8aeac" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax_019d3f30-b1b4-7366-90b0-efb89fa76a4d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_AccumulatedOtherComprehensiveIncomeLossTaxExpenseBenefit_019d3f30-b1b4-7fc0-a0cc-52aa819b2436" xlink:href="voya-20260331.xsd#voya_AccumulatedOtherComprehensiveIncomeLossTaxExpenseBenefit"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_AccumulatedOtherComprehensiveIncomeLossUnrealizedCapitalGainsLossesAdjustmentNetOfTax_019d3f30-b1b4-7fa5-903b-4d0eb9d8aeac" xlink:to="loc_voya_AccumulatedOtherComprehensiveIncomeLossTaxExpenseBenefit_019d3f30-b1b4-7fc0-a0cc-52aa819b2436" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019d3f30-b1b4-7d98-ac71-172a5f4c3ce7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_AccumulatedOtherComprehensiveIncomeLossUnrealizedCapitalGainsLossesAdjustmentNetOfTax_019d3f30-b1b4-78ac-b8ae-7c2947e4bebe" xlink:href="voya-20260331.xsd#voya_AccumulatedOtherComprehensiveIncomeLossUnrealizedCapitalGainsLossesAdjustmentNetOfTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019d3f30-b1b4-7d98-ac71-172a5f4c3ce7" xlink:to="loc_voya_AccumulatedOtherComprehensiveIncomeLossUnrealizedCapitalGainsLossesAdjustmentNetOfTax_019d3f30-b1b4-78ac-b8ae-7c2947e4bebe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax_019d3f30-b1b4-73a7-8e25-ab68602b0d4d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019d3f30-b1b4-7d98-ac71-172a5f4c3ce7" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax_019d3f30-b1b4-73a7-8e25-ab68602b0d4d" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/AccumulatedOtherComprehensiveIncomeLossChangesinAOCIincludingReclassificationAdjustmentsDetails" xlink:type="simple" xlink:href="voya-20260331.xsd#AccumulatedOtherComprehensiveIncomeLossChangesinAOCIincludingReclassificationAdjustmentsDetails"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/AccumulatedOtherComprehensiveIncomeLossChangesinAOCIincludingReclassificationAdjustmentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_019d3f30-b1b4-72d1-8f64-8d21787d93c4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_019d3f30-b1b4-7514-9a47-55fd8d1c6848" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_019d3f30-b1b4-72d1-8f64-8d21787d93c4" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_019d3f30-b1b4-7514-9a47-55fd8d1c6848" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_019d3f30-b1b4-7bf1-823b-5bf9bc7f67a2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_019d3f30-b1b4-72d1-8f64-8d21787d93c4" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_019d3f30-b1b4-7bf1-823b-5bf9bc7f67a2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTax_019d3f30-b1b4-7b71-8cbe-c85c4d8ffb57" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentTax_019d3f30-b1b4-739d-b054-7c0dcab37985" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTax_019d3f30-b1b4-7b71-8cbe-c85c4d8ffb57" xlink:to="loc_us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentTax_019d3f30-b1b4-739d-b054-7c0dcab37985" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_019d3f30-b1b4-728a-80ba-14b4a0c95e20" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTax_019d3f30-b1b4-7b71-8cbe-c85c4d8ffb57" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_019d3f30-b1b4-728a-80ba-14b4a0c95e20" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTax_019d3f30-b1b4-7b14-a887-f8c4bb158f73" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTax"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTax_019d3f30-b1b4-7b71-8cbe-c85c4d8ffb57" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTax_019d3f30-b1b4-7b14-a887-f8c4bb158f73" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentAndTax_019d3f30-b1b4-7dda-96af-c3f4a22e7777" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentAndTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentTax_019d3f30-b1b4-7346-8833-d6de5eb2483d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentTax"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentAndTax_019d3f30-b1b4-7dda-96af-c3f4a22e7777" xlink:to="loc_us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentTax_019d3f30-b1b4-7346-8833-d6de5eb2483d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciLiabilityForFuturePolicyBenefitGainLossBeforeReclassificationAdjustmentAndTax_019d3f30-b1b4-78b9-827f-a397f3d4d719" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OciLiabilityForFuturePolicyBenefitGainLossBeforeReclassificationAdjustmentAndTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentAndTax_019d3f30-b1b4-7dda-96af-c3f4a22e7777" xlink:to="loc_us-gaap_OciLiabilityForFuturePolicyBenefitGainLossBeforeReclassificationAdjustmentAndTax_019d3f30-b1b4-78b9-827f-a397f3d4d719" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_019d3f30-b1b4-77a2-bac9-639b90037d63" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax_019d3f30-b1b4-759f-92de-053664674677" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_019d3f30-b1b4-77a2-bac9-639b90037d63" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax_019d3f30-b1b4-759f-92de-053664674677" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_019d3f30-b1b4-76aa-a999-0e43c35e1f69" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_019d3f30-b1b4-77a2-bac9-639b90037d63" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_019d3f30-b1b4-76aa-a999-0e43c35e1f69" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTax_019d3f30-b1b4-7263-b09e-3c131fdfcb6d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax_019d3f30-b1b4-7dae-ad84-dd6507edd69d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTax_019d3f30-b1b4-7263-b09e-3c131fdfcb6d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax_019d3f30-b1b4-7dae-ad84-dd6507edd69d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax_019d3f30-b1b4-7fc5-a369-a8fd9a256bc3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTax_019d3f30-b1b4-7263-b09e-3c131fdfcb6d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax_019d3f30-b1b4-7fc5-a369-a8fd9a256bc3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_019d3f30-b1b4-7850-9a39-8b1f480cc7ab" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_019d3f30-b1b4-757a-b30d-86c5c06148f2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_019d3f30-b1b4-7850-9a39-8b1f480cc7ab" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_019d3f30-b1b4-757a-b30d-86c5c06148f2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax_019d3f30-b1b4-79b0-97a8-2b46b77d6438" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_019d3f30-b1b4-7850-9a39-8b1f480cc7ab" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax_019d3f30-b1b4-79b0-97a8-2b46b77d6438" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciLiabilityForFuturePolicyBenefitGainLossBeforeReclassificationAdjustmentAndTax_019d3f30-b1b4-7eff-bd45-3e61de991f76" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OciLiabilityForFuturePolicyBenefitGainLossBeforeReclassificationAdjustmentAndTax"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_019d3f30-b1b4-7850-9a39-8b1f480cc7ab" xlink:to="loc_us-gaap_OciLiabilityForFuturePolicyBenefitGainLossBeforeReclassificationAdjustmentAndTax_019d3f30-b1b4-7eff-bd45-3e61de991f76" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax_019d3f30-b1b4-70f6-85ff-919c8af6f70a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax_019d3f30-b1b4-794d-adb3-fa1bdb43ba03" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax_019d3f30-b1b4-70f6-85ff-919c8af6f70a" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax_019d3f30-b1b4-794d-adb3-fa1bdb43ba03" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_019d3f30-b1b4-7e8e-830c-7d705242f509" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax_019d3f30-b1b4-70f6-85ff-919c8af6f70a" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_019d3f30-b1b4-7e8e-830c-7d705242f509" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_019d3f30-b1b4-7074-b0ef-81ff883fe410" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTax_019d3f30-b1b4-7c86-83f6-302d758ccf1a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTax"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_019d3f30-b1b4-7074-b0ef-81ff883fe410" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTax_019d3f30-b1b4-7c86-83f6-302d758ccf1a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax_019d3f30-b1b4-7640-b91c-3912deab934a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_019d3f30-b1b4-7074-b0ef-81ff883fe410" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax_019d3f30-b1b4-7640-b91c-3912deab934a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_019d3f30-b1b4-7bc7-89d9-38952182e899" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_019d3f30-b1b4-782e-885f-ee86211e5370" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_019d3f30-b1b4-7bc7-89d9-38952182e899" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_019d3f30-b1b4-782e-885f-ee86211e5370" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax_019d3f30-b1b4-71d4-9a06-a94eb567a580" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_019d3f30-b1b4-7bc7-89d9-38952182e899" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax_019d3f30-b1b4-71d4-9a06-a94eb567a580" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_019d3f30-b1b4-72a4-9fa4-d33625381b04" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax_019d3f30-b1b4-79f6-a3e8-875fec28d269" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_019d3f30-b1b4-72a4-9fa4-d33625381b04" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax_019d3f30-b1b4-79f6-a3e8-875fec28d269" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_019d3f30-b1b4-7b2c-ae61-38a0b4e08e75" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_019d3f30-b1b4-72a4-9fa4-d33625381b04" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_019d3f30-b1b4-7b2c-ae61-38a0b4e08e75" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019d3f30-b1b4-7c67-8319-d59944727017" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_019d3f30-b1b4-744a-90ad-2f19c525ecf0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019d3f30-b1b4-7c67-8319-d59944727017" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_019d3f30-b1b4-744a-90ad-2f19c525ecf0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_019d3f30-b1b4-7e5a-93d3-cba972582b64" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019d3f30-b1b4-7c67-8319-d59944727017" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_019d3f30-b1b4-7e5a-93d3-cba972582b64" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentAndTax_019d3f30-b1b4-782d-bc54-8097a457b23b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentAndTax"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019d3f30-b1b4-7c67-8319-d59944727017" xlink:to="loc_us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentAndTax_019d3f30-b1b4-782d-bc54-8097a457b23b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax_019d3f30-b1b4-775d-a869-9b5cee9845fb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax_019d3f30-b1b4-7740-ba2e-3de400d1f9b9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax_019d3f30-b1b4-775d-a869-9b5cee9845fb" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax_019d3f30-b1b4-7740-ba2e-3de400d1f9b9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax_019d3f30-b1b4-7993-92e0-205b5d0f0326" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax_019d3f30-b1b4-775d-a869-9b5cee9845fb" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax_019d3f30-b1b4-7993-92e0-205b5d0f0326" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_019d3f30-b1b4-7692-90ea-e78cdefb67aa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_019d3f30-b1b4-7b53-ab6d-5894fc5df266" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_019d3f30-b1b4-7692-90ea-e78cdefb67aa" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_019d3f30-b1b4-7b53-ab6d-5894fc5df266" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax_019d3f30-b1b4-7d08-a1fd-c039413eea33" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_019d3f30-b1b4-7692-90ea-e78cdefb67aa" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax_019d3f30-b1b4-7d08-a1fd-c039413eea33" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax_019d3f30-b1b4-706b-b594-c3bb5faaedb0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_019d3f30-b1b4-7d4a-87bb-7a98084c3b12" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax_019d3f30-b1b4-706b-b594-c3bb5faaedb0" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_019d3f30-b1b4-7d4a-87bb-7a98084c3b12" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_019d3f30-b1b4-7b27-9219-bf69e22a5aeb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax_019d3f30-b1b4-706b-b594-c3bb5faaedb0" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_019d3f30-b1b4-7b27-9219-bf69e22a5aeb" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/AccumulatedOtherComprehensiveIncomeLossChangesinAOCIincludingReclassificationAdjustmentsDetails_1" xlink:type="simple" xlink:href="voya-20260331.xsd#AccumulatedOtherComprehensiveIncomeLossChangesinAOCIincludingReclassificationAdjustmentsDetails_1"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/AccumulatedOtherComprehensiveIncomeLossChangesinAOCIincludingReclassificationAdjustmentsDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_019d3f30-b1b4-7118-b918-8d6a4b8e5f2f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_019d3f30-b1b4-7aee-9bd5-7e9ef650711e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_019d3f30-b1b4-7118-b918-8d6a4b8e5f2f" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_019d3f30-b1b4-7aee-9bd5-7e9ef650711e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_019d3f30-b1b4-7a6e-b4fb-af857f5edd72" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_019d3f30-b1b4-7118-b918-8d6a4b8e5f2f" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_019d3f30-b1b4-7a6e-b4fb-af857f5edd72" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_019d3f30-b1b4-726b-aa92-a3b2c4571db5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax_019d3f30-b1b4-7dbb-9d2b-ca48b16036ed" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_019d3f30-b1b4-726b-aa92-a3b2c4571db5" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax_019d3f30-b1b4-7dbb-9d2b-ca48b16036ed" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_019d3f30-b1b4-7272-93cc-0baec77adb3f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_019d3f30-b1b4-726b-aa92-a3b2c4571db5" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_019d3f30-b1b4-7272-93cc-0baec77adb3f" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/RevenuefromContractswithCustomersDetails" xlink:type="simple" xlink:href="voya-20260331.xsd#RevenuefromContractswithCustomersDetails"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/RevenuefromContractswithCustomersDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_voya_TotalFeeIncomeAndOtherRevenue_019d3f30-b1b4-7a31-b6c8-10c22ad50ab2" xlink:href="voya-20260331.xsd#voya_TotalFeeIncomeAndOtherRevenue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019d3f30-b1b4-70d4-85fe-4b3c974383a4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_TotalFeeIncomeAndOtherRevenue_019d3f30-b1b4-7a31-b6c8-10c22ad50ab2" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019d3f30-b1b4-70d4-85fe-4b3c974383a4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_RevenueFromOtherSourcesNonFinancialServicesRevenue_019d3f30-b1b4-7fa0-a610-93fdc650a51d" xlink:href="voya-20260331.xsd#voya_RevenueFromOtherSourcesNonFinancialServicesRevenue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_voya_TotalFeeIncomeAndOtherRevenue_019d3f30-b1b4-7a31-b6c8-10c22ad50ab2" xlink:to="loc_voya_RevenueFromOtherSourcesNonFinancialServicesRevenue_019d3f30-b1b4-7fa0-a610-93fdc650a51d" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/FinancingAgreementsScheduleofLongtermDebtDetails" xlink:type="simple" xlink:href="voya-20260331.xsd#FinancingAgreementsScheduleofLongtermDebtDetails"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/FinancingAgreementsScheduleofLongtermDebtDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_019d3f30-b1b4-7703-abba-dd234d30bae9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebt"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermBorrowings_019d3f30-b1b4-716e-a8df-e5ec1e9cb1da" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShortTermBorrowings"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_019d3f30-b1b4-7703-abba-dd234d30bae9" xlink:to="loc_us-gaap_ShortTermBorrowings_019d3f30-b1b4-716e-a8df-e5ec1e9cb1da" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtNoncurrent_019d3f30-b1b4-75c4-afb4-fae8ce0c9f70" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtNoncurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_019d3f30-b1b4-7703-abba-dd234d30bae9" xlink:to="loc_us-gaap_LongTermDebtNoncurrent_019d3f30-b1b4-75c4-afb4-fae8ce0c9f70" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/CommitmentsandContingenciesRestrictedAssetsDetails" xlink:type="simple" xlink:href="voya-20260331.xsd#CommitmentsandContingenciesRestrictedAssetsDetails"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/CommitmentsandContingenciesRestrictedAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedInvestments_019d3f30-b1b4-70fc-834f-55fec02dff4f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RestrictedInvestments"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_PledgedCollateral_019d3f30-b1b4-7532-a56e-e6bf4381e3ee" xlink:href="voya-20260331.xsd#voya_PledgedCollateral"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_RestrictedInvestments_019d3f30-b1b4-70fc-834f-55fec02dff4f" xlink:to="loc_voya_PledgedCollateral_019d3f30-b1b4-7532-a56e-e6bf4381e3ee" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure_019d3f30-b1b4-7089-9ffe-4ec66c74e19e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_RestrictedInvestments_019d3f30-b1b4-70fc-834f-55fec02dff4f" xlink:to="loc_us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure_019d3f30-b1b4-7089-9ffe-4ec66c74e19e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt_019d3f30-b1b4-7dc8-abca-265f7a0ba0e0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_RestrictedInvestments_019d3f30-b1b4-70fc-834f-55fec02dff4f" xlink:to="loc_us-gaap_TradingSecuritiesDebt_019d3f30-b1b4-7dc8-abca-265f7a0ba0e0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndCashEquivalents_019d3f30-b1b4-7f04-a68a-bab2ee55b7a0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RestrictedCashAndCashEquivalents"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_RestrictedInvestments_019d3f30-b1b4-70fc-834f-55fec02dff4f" xlink:to="loc_us-gaap_RestrictedCashAndCashEquivalents_019d3f30-b1b4-7f04-a68a-bab2ee55b7a0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRestricted_019d3f30-b1b4-7d80-ad1e-dfa349ebe2a8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleRestricted"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_RestrictedInvestments_019d3f30-b1b4-70fc-834f-55fec02dff4f" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRestricted_019d3f30-b1b4-7d80-ad1e-dfa349ebe2a8" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.voya.com/role/ConsolidatedandNonconsolidatedInvestmentEntitiesFairValueHierarchyDetails" xlink:type="simple" xlink:href="voya-20260331.xsd#ConsolidatedandNonconsolidatedInvestmentEntitiesFairValueHierarchyDetails"/>
  <link:calculationLink xlink:role="http://www.voya.com/role/ConsolidatedandNonconsolidatedInvestmentEntitiesFairValueHierarchyDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_019d3f30-b1b4-794b-b94e-675a94a22705" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_CollateralizedFinancingsConsolidatedInvestmentEntities_019d3f30-b1b4-7a8f-a54c-8fda5a597681" xlink:href="voya-20260331.xsd#voya_CollateralizedFinancingsConsolidatedInvestmentEntities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_019d3f30-b1b4-794b-b94e-675a94a22705" xlink:to="loc_voya_CollateralizedFinancingsConsolidatedInvestmentEntities_019d3f30-b1b4-7a8f-a54c-8fda5a597681" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_019d3f30-b1b4-7b15-8129-c24d5b3b3a76" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019d3f30-b1b4-7616-9f47-39ac3a4f7b69" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019d3f30-b1b4-7b15-8129-c24d5b3b3a76" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019d3f30-b1b4-7616-9f47-39ac3a4f7b69" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_019d3f30-b1b4-7c61-bdf9-61915e62ff14" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019d3f30-b1b4-7b15-8129-c24d5b3b3a76" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_019d3f30-b1b4-7c61-bdf9-61915e62ff14" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AlternativeInvestment_019d3f30-b1b4-7511-a10f-716adbbf59fc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AlternativeInvestment"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019d3f30-b1b4-7b15-8129-c24d5b3b3a76" xlink:to="loc_us-gaap_AlternativeInvestment_019d3f30-b1b4-7511-a10f-716adbbf59fc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_voya_OtherInvestmentsFairValueDisclosure_019d3f30-b1b4-78a3-bf6a-d4759e0e3b14" xlink:href="voya-20260331.xsd#voya_OtherInvestmentsFairValueDisclosure"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019d3f30-b1b4-7b15-8129-c24d5b3b3a76" xlink:to="loc_voya_OtherInvestmentsFairValueDisclosure_019d3f30-b1b4-78a3-bf6a-d4759e0e3b14" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
