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

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019e6535-e7fd-7705-badd-733bd9e6a647,g:bf3d0f38-2989-4922-b55c-74e556de37b4-->
<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.chime.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETS" xlink:type="simple" xlink:href="chym-20260630.xsd#CONDENSEDCONSOLIDATEDBALANCESHEETS"/>
  <link:calculationLink xlink:role="http://www.chime.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019e6535-e8c5-7435-84ac-e086f696ec5d" 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_019e6535-e8c5-7f20-bbf3-9a09139d172e" 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_019e6535-e8c5-7435-84ac-e086f696ec5d" xlink:to="loc_us-gaap_PreferredStockValue_019e6535-e8c5-7f20-bbf3-9a09139d172e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_019e6535-e8c5-714e-b7b2-045e92e07621" 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_019e6535-e8c5-7435-84ac-e086f696ec5d" xlink:to="loc_us-gaap_CommonStockValue_019e6535-e8c5-714e-b7b2-045e92e07621" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_019e6535-e8c5-7e8f-86d2-20f7cebfd77c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019e6535-e8c5-7435-84ac-e086f696ec5d" xlink:to="loc_us-gaap_AdditionalPaidInCapital_019e6535-e8c5-7e8f-86d2-20f7cebfd77c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019e6535-e8c5-7573-8d10-f9322290b144" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019e6535-e8c5-7435-84ac-e086f696ec5d" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019e6535-e8c5-7573-8d10-f9322290b144" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019e6535-e8c5-76af-b015-38471ca1060c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019e6535-e8c5-7435-84ac-e086f696ec5d" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019e6535-e8c5-76af-b015-38471ca1060c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsCurrent_019e6535-e8c5-70b2-8f5d-26660c8d54f2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsCurrent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019e6535-e8c5-79f2-958a-004d2d88a66e" 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_AssetsCurrent_019e6535-e8c5-70b2-8f5d-26660c8d54f2" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019e6535-e8c5-79f2-958a-004d2d88a66e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndCashEquivalents_019e6535-e8c5-797a-a501-ba96b750a31c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RestrictedCashAndCashEquivalents"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_019e6535-e8c5-70b2-8f5d-26660c8d54f2" xlink:to="loc_us-gaap_RestrictedCashAndCashEquivalents_019e6535-e8c5-797a-a501-ba96b750a31c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecuritiesCurrent_019e6535-e8c5-77e2-9477-8a3736cfaeaa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecuritiesCurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_019e6535-e8c5-70b2-8f5d-26660c8d54f2" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecuritiesCurrent_019e6535-e8c5-77e2-9477-8a3736cfaeaa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_chym_ProductCollateralCurrent_019e6535-e8c5-7296-8c26-2fd740185915" xlink:href="chym-20260630.xsd#chym_ProductCollateralCurrent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_019e6535-e8c5-70b2-8f5d-26660c8d54f2" xlink:to="loc_chym_ProductCollateralCurrent_019e6535-e8c5-7296-8c26-2fd740185915" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableNetCurrent_019e6535-e8c5-7c0f-9dfc-2c0d69eec68e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsReceivableNetCurrent"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_019e6535-e8c5-70b2-8f5d-26660c8d54f2" xlink:to="loc_us-gaap_AccountsReceivableNetCurrent_019e6535-e8c5-7c0f-9dfc-2c0d69eec68e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019e6535-e8c5-787e-9ef1-92b2a9fd3407" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_019e6535-e8c5-70b2-8f5d-26660c8d54f2" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019e6535-e8c5-787e-9ef1-92b2a9fd3407" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidExpenseAndOtherAssetsCurrent_019e6535-e8c5-7456-b458-acfb52fc5c27" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PrepaidExpenseAndOtherAssetsCurrent"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_019e6535-e8c5-70b2-8f5d-26660c8d54f2" xlink:to="loc_us-gaap_PrepaidExpenseAndOtherAssetsCurrent_019e6535-e8c5-7456-b458-acfb52fc5c27" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_019e6535-e8c5-717a-8215-7d72832768a7" 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_019e6535-e8c5-7369-bfc5-4223b179e03e" 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_019e6535-e8c5-717a-8215-7d72832768a7" xlink:to="loc_us-gaap_Liabilities_019e6535-e8c5-7369-bfc5-4223b179e03e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_019e6535-e8c5-70e1-bfe8-6fb3bffa4149" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019e6535-e8c5-717a-8215-7d72832768a7" xlink:to="loc_us-gaap_CommitmentsAndContingencies_019e6535-e8c5-70e1-bfe8-6fb3bffa4149" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019e6535-e8c5-7864-8472-df5b77bcb0ce" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019e6535-e8c5-717a-8215-7d72832768a7" xlink:to="loc_us-gaap_StockholdersEquity_019e6535-e8c5-7864-8472-df5b77bcb0ce" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesCurrent_019e6535-e8c5-75a4-a5c3-537c28b8762c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesCurrent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableCurrent_019e6535-e8c5-7dd1-83c3-7bf21e1cdc43" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsPayableCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_019e6535-e8c5-75a4-a5c3-537c28b8762c" xlink:to="loc_us-gaap_AccountsPayableCurrent_019e6535-e8c5-7dd1-83c3-7bf21e1cdc43" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_chym_AccruedLiabilitiesAndOtherLiabilitiesCurrent_019e6535-e8c5-76da-aac1-231a40a926bf" xlink:href="chym-20260630.xsd#chym_AccruedLiabilitiesAndOtherLiabilitiesCurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_019e6535-e8c5-75a4-a5c3-537c28b8762c" xlink:to="loc_chym_AccruedLiabilitiesAndOtherLiabilitiesCurrent_019e6535-e8c5-76da-aac1-231a40a926bf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitiesCurrent_019e6535-e8c5-7222-b76c-5567d3659e07" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilitiesCurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_019e6535-e8c5-75a4-a5c3-537c28b8762c" xlink:to="loc_us-gaap_DerivativeLiabilitiesCurrent_019e6535-e8c5-7222-b76c-5567d3659e07" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019e6535-e8c5-77ac-819c-443eed11151d" 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_LiabilitiesCurrent_019e6535-e8c5-72ce-b877-379ac2ba7aa1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e6535-e8c5-77ac-819c-443eed11151d" xlink:to="loc_us-gaap_LiabilitiesCurrent_019e6535-e8c5-72ce-b877-379ac2ba7aa1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiabilityNoncurrent_019e6535-e8c5-78af-b7b3-7c738aa8dd03" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseLiabilityNoncurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e6535-e8c5-77ac-819c-443eed11151d" xlink:to="loc_us-gaap_OperatingLeaseLiabilityNoncurrent_019e6535-e8c5-78af-b7b3-7c738aa8dd03" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilitiesNoncurrent_019e6535-e8c5-72b3-9660-24bb9416da06" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherLiabilitiesNoncurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e6535-e8c5-77ac-819c-443eed11151d" xlink:to="loc_us-gaap_OtherLiabilitiesNoncurrent_019e6535-e8c5-72b3-9660-24bb9416da06" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermLineOfCredit_019f5a68-7661-7aee-8ed9-61e9a7c26939" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermLineOfCredit"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e6535-e8c5-77ac-819c-443eed11151d" xlink:to="loc_us-gaap_LongTermLineOfCredit_019f5a68-7661-7aee-8ed9-61e9a7c26939" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019e6535-e8c5-7d03-b2da-f4f5409e8276" 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_AssetsCurrent_019e6535-e8c5-7cda-9280-75994ecc7159" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e6535-e8c5-7d03-b2da-f4f5409e8276" xlink:to="loc_us-gaap_AssetsCurrent_019e6535-e8c5-7cda-9280-75994ecc7159" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_019e6535-e8c5-78ad-beb0-3d2af80c78f5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e6535-e8c5-7d03-b2da-f4f5409e8276" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_019e6535-e8c5-78ad-beb0-3d2af80c78f5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset_019e6535-e8c5-770d-a8e4-fef7f160a9db" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseRightOfUseAsset"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e6535-e8c5-7d03-b2da-f4f5409e8276" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAsset_019e6535-e8c5-770d-a8e4-fef7f160a9db" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_019e6535-e8c5-73b5-8510-9c5002a960fb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e6535-e8c5-7d03-b2da-f4f5409e8276" xlink:to="loc_us-gaap_OtherAssets_019e6535-e8c5-73b5-8510-9c5002a960fb" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.chime.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONS" xlink:type="simple" xlink:href="chym-20260630.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONS"/>
  <link:calculationLink xlink:role="http://www.chime.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e6535-e8c5-7825-bad2-64a0d2a373a1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_019e6535-e98c-7323-8fe7-09b95410ed21" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e6535-e8c5-7825-bad2-64a0d2a373a1" xlink:to="loc_us-gaap_OperatingIncomeLoss_019e6535-e98c-7323-8fe7-09b95410ed21" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNonoperatingIncomeExpense_019e6535-e98c-732e-8265-45343b2aecdb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherNonoperatingIncomeExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e6535-e8c5-7825-bad2-64a0d2a373a1" xlink:to="loc_us-gaap_OtherNonoperatingIncomeExpense_019e6535-e98c-732e-8265-45343b2aecdb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GrossProfit_019e6535-e98c-7915-a6de-73e91f3d22e4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GrossProfit"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019e6535-e98c-7db0-a6e3-387ff6cb7d58" 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_GrossProfit_019e6535-e98c-7915-a6de-73e91f3d22e4" xlink:to="loc_us-gaap_Revenues_019e6535-e98c-7db0-a6e3-387ff6cb7d58" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CostOfGoodsAndServicesSold_019e6535-e98c-705b-b31d-7c9d514e10c7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CostOfGoodsAndServicesSold"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_GrossProfit_019e6535-e98c-7915-a6de-73e91f3d22e4" xlink:to="loc_us-gaap_CostOfGoodsAndServicesSold_019e6535-e98c-705b-b31d-7c9d514e10c7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_019e6535-e8c5-7f31-9def-9bbda86af2ae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingExpenses"/>
    <link:loc xlink:type="locator" xlink:label="loc_chym_TransactionAndRiskLosses_019e6535-e8c5-7f63-a247-27c133328747" xlink:href="chym-20260630.xsd#chym_TransactionAndRiskLosses"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019e6535-e8c5-7f31-9def-9bbda86af2ae" xlink:to="loc_chym_TransactionAndRiskLosses_019e6535-e8c5-7f63-a247-27c133328747" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_chym_MemberSupportAndOperations_019e6535-e8c5-7291-a627-faab56f610cb" xlink:href="chym-20260630.xsd#chym_MemberSupportAndOperations"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019e6535-e8c5-7f31-9def-9bbda86af2ae" xlink:to="loc_chym_MemberSupportAndOperations_019e6535-e8c5-7291-a627-faab56f610cb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SellingAndMarketingExpense_019e6535-e8c5-74f2-8ae0-5d510c278839" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SellingAndMarketingExpense"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019e6535-e8c5-7f31-9def-9bbda86af2ae" xlink:to="loc_us-gaap_SellingAndMarketingExpense_019e6535-e8c5-74f2-8ae0-5d510c278839" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResearchAndDevelopmentExpense_019e6535-e8c5-73eb-9422-e01711cb4961" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResearchAndDevelopmentExpense"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019e6535-e8c5-7f31-9def-9bbda86af2ae" xlink:to="loc_us-gaap_ResearchAndDevelopmentExpense_019e6535-e8c5-73eb-9422-e01711cb4961" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense_019e6535-e8c5-752c-b03b-57d46f5b772b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GeneralAndAdministrativeExpense"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019e6535-e8c5-7f31-9def-9bbda86af2ae" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpense_019e6535-e8c5-752c-b03b-57d46f5b772b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_chym_DepreciationDepletionAndAmortizationExcludingDeprecationIncludedInCostOfSales_019e6535-e8c5-7e48-82ef-5fb581d08d4d" xlink:href="chym-20260630.xsd#chym_DepreciationDepletionAndAmortizationExcludingDeprecationIncludedInCostOfSales"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019e6535-e8c5-7f31-9def-9bbda86af2ae" xlink:to="loc_chym_DepreciationDepletionAndAmortizationExcludingDeprecationIncludedInCostOfSales_019e6535-e8c5-7e48-82ef-5fb581d08d4d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_019e6535-e98c-7b63-a139-74be33158494" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GrossProfit_019e6535-e98c-7c64-b3a9-979ca4f8c10f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GrossProfit"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingIncomeLoss_019e6535-e98c-7b63-a139-74be33158494" xlink:to="loc_us-gaap_GrossProfit_019e6535-e98c-7c64-b3a9-979ca4f8c10f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_019e6535-e98c-7813-9637-34d47c6e5423" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingExpenses"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingIncomeLoss_019e6535-e98c-7b63-a139-74be33158494" xlink:to="loc_us-gaap_OperatingExpenses_019e6535-e98c-7813-9637-34d47c6e5423" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019e6535-e98c-74fe-ab46-c521fd78234c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e6535-e98c-7eec-90ab-b9e8b91a26c9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_019e6535-e98c-74fe-ab46-c521fd78234c" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e6535-e98c-7eec-90ab-b9e8b91a26c9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019e6535-e98c-7afc-8c64-3e43a04dd576" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_019e6535-e98c-74fe-ab46-c521fd78234c" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019e6535-e98c-7afc-8c64-3e43a04dd576" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.chime.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME" xlink:type="simple" xlink:href="chym-20260630.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME"/>
  <link:calculationLink xlink:role="http://www.chime.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_019e6535-e98c-7f0c-84f2-242a349b76aa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019e6535-e98c-7a34-b089-d026c8de327c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019e6535-e98c-7f0c-84f2-242a349b76aa" xlink:to="loc_us-gaap_NetIncomeLoss_019e6535-e98c-7a34-b089-d026c8de327c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_019e6535-e98c-7989-abe5-d2426f77394e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019e6535-e98c-7f0c-84f2-242a349b76aa" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_019e6535-e98c-7989-abe5-d2426f77394e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_019e6535-e98c-720d-a256-f7e6404efc4f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019e6535-e98c-7f0c-84f2-242a349b76aa" xlink:to="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_019e6535-e98c-720d-a256-f7e6404efc4f" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.chime.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="simple" xlink:href="chym-20260630.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS"/>
  <link:calculationLink xlink:role="http://www.chime.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019e6535-e98d-7d31-9709-461c1e0f3c89" 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_019e6535-e98d-7890-9697-5513a3ec49a5" 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_019e6535-e98d-7d31-9709-461c1e0f3c89" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019e6535-e98d-7890-9697-5513a3ec49a5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndCashEquivalents_019e6535-e98d-7aa6-8fbe-e957d8911f0f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RestrictedCashAndCashEquivalents"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019e6535-e98d-7d31-9709-461c1e0f3c89" xlink:to="loc_us-gaap_RestrictedCashAndCashEquivalents_019e6535-e98d-7aa6-8fbe-e957d8911f0f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e6535-e98d-7849-b6a3-b97aba17fe37" 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_PaymentsOfDebtIssuanceCosts_019e6535-e98d-70bc-b95d-9841a61eee94" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsOfDebtIssuanceCosts"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e6535-e98d-7849-b6a3-b97aba17fe37" xlink:to="loc_us-gaap_PaymentsOfDebtIssuanceCosts_019e6535-e98d-70bc-b95d-9841a61eee94" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceInitialPublicOffering_019e6535-e98d-7d37-9046-47ce55584be2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromIssuanceInitialPublicOffering"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e6535-e98d-7849-b6a3-b97aba17fe37" xlink:to="loc_us-gaap_ProceedsFromIssuanceInitialPublicOffering_019e6535-e98d-7d37-9046-47ce55584be2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_019e6535-e98d-7500-8480-5d4a34e0fe10" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e6535-e98d-7849-b6a3-b97aba17fe37" xlink:to="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_019e6535-e98d-7500-8480-5d4a34e0fe10" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromLongTermLinesOfCredit_019f5e5a-22cf-7ccd-b439-57d02be62190" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromLongTermLinesOfCredit"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e6535-e98d-7849-b6a3-b97aba17fe37" xlink:to="loc_us-gaap_ProceedsFromLongTermLinesOfCredit_019f5e5a-22cf-7ccd-b439-57d02be62190" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromStockOptionsExercised_019e6535-e98d-73ef-acf4-4419b61eb6e5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromStockOptionsExercised"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e6535-e98d-7849-b6a3-b97aba17fe37" xlink:to="loc_us-gaap_ProceedsFromStockOptionsExercised_019e6535-e98d-73ef-acf4-4419b61eb6e5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019ed004-e410-70d5-b357-24a9a66945d4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e6535-e98d-7849-b6a3-b97aba17fe37" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019ed004-e410-70d5-b357-24a9a66945d4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019e6535-e98d-7a96-9cc5-843eae14c36d" 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_019e6535-e98d-75ed-8f9b-1416bc234548" 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_019e6535-e98d-7a96-9cc5-843eae14c36d" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e6535-e98d-75ed-8f9b-1416bc234548" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e6535-e98d-7715-96f7-426f5812ba1c" 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_019e6535-e98d-7a96-9cc5-843eae14c36d" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e6535-e98d-7715-96f7-426f5812ba1c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e6535-e98d-7ec8-9f4b-f18872466d8f" 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_019e6535-e98d-7a96-9cc5-843eae14c36d" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e6535-e98d-7ec8-9f4b-f18872466d8f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e6535-e98d-7ace-bec0-e506ac76ce26" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019e6535-e98d-7ef4-8a56-7ac8411d1f6d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e6535-e98d-7ace-bec0-e506ac76ce26" xlink:to="loc_us-gaap_NetIncomeLoss_019e6535-e98d-7ef4-8a56-7ac8411d1f6d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationDepletionAndAmortization_019e6535-e98d-79d2-8f69-041951488985" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepreciationDepletionAndAmortization"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e6535-e98d-7ace-bec0-e506ac76ce26" xlink:to="loc_us-gaap_DepreciationDepletionAndAmortization_019e6535-e98d-79d2-8f69-041951488985" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_chym_NoncashLeaseExpense_019e6535-e98d-7f06-9467-95689decbebb" xlink:href="chym-20260630.xsd#chym_NoncashLeaseExpense"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e6535-e98d-7ace-bec0-e506ac76ce26" xlink:to="loc_chym_NoncashLeaseExpense_019e6535-e98d-7f06-9467-95689decbebb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_019e6535-e98d-71fc-a868-17f88064ae8a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensation"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e6535-e98d-7ace-bec0-e506ac76ce26" xlink:to="loc_us-gaap_ShareBasedCompensation_019e6535-e98d-71fc-a868-17f88064ae8a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoncashContributionExpense_019e6535-e98d-799d-a476-e375cc403e28" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoncashContributionExpense"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e6535-e98d-7ace-bec0-e506ac76ce26" xlink:to="loc_us-gaap_NoncashContributionExpense_019e6535-e98d-799d-a476-e375cc403e28" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_chym_LossContingencyAccrualProvisionForTransactionDisputeLosses_019e6535-e98d-7f81-9a22-f36c59a95c3e" xlink:href="chym-20260630.xsd#chym_LossContingencyAccrualProvisionForTransactionDisputeLosses"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e6535-e98d-7ace-bec0-e506ac76ce26" xlink:to="loc_chym_LossContingencyAccrualProvisionForTransactionDisputeLosses_019e6535-e98d-7f81-9a22-f36c59a95c3e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_chym_FairValueAdjustmentOfDerivativeLiability_019e6535-e98d-7490-91d2-c3788038bf80" xlink:href="chym-20260630.xsd#chym_FairValueAdjustmentOfDerivativeLiability"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e6535-e98d-7ace-bec0-e506ac76ce26" xlink:to="loc_chym_FairValueAdjustmentOfDerivativeLiability_019e6535-e98d-7490-91d2-c3788038bf80" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForDoubtfulAccounts_019e6535-e98d-7593-98ba-0cc7fa650ed3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProvisionForDoubtfulAccounts"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e6535-e98d-7ace-bec0-e506ac76ce26" xlink:to="loc_us-gaap_ProvisionForDoubtfulAccounts_019e6535-e98d-7593-98ba-0cc7fa650ed3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfDebtDiscountPremium_019e6535-e98d-7403-aae5-789f10cd582f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AmortizationOfDebtDiscountPremium"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e6535-e98d-7ace-bec0-e506ac76ce26" xlink:to="loc_us-gaap_AmortizationOfDebtDiscountPremium_019e6535-e98d-7403-aae5-789f10cd582f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherOperatingActivitiesCashFlowStatement_019e6535-e98d-7579-817a-3f74c5fddfd7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherOperatingActivitiesCashFlowStatement"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e6535-e98d-7ace-bec0-e506ac76ce26" xlink:to="loc_us-gaap_OtherOperatingActivitiesCashFlowStatement_019e6535-e98d-7579-817a-3f74c5fddfd7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_chym_IncreaseDecreaseInProductCollateral_019e6535-e98d-7391-b26f-fb22169a6b4a" xlink:href="chym-20260630.xsd#chym_IncreaseDecreaseInProductCollateral"/>
    <link:calculationArc order="11" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e6535-e98d-7ace-bec0-e506ac76ce26" xlink:to="loc_chym_IncreaseDecreaseInProductCollateral_019e6535-e98d-7391-b26f-fb22169a6b4a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_019e6535-e98d-7672-b75d-fb8ba0011721" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable"/>
    <link:calculationArc order="12" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e6535-e98d-7ace-bec0-e506ac76ce26" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_019e6535-e98d-7672-b75d-fb8ba0011721" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets_019e6535-e98d-7691-9fa2-65b29a99d17d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets"/>
    <link:calculationArc order="13" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e6535-e98d-7ace-bec0-e506ac76ce26" xlink:to="loc_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets_019e6535-e98d-7691-9fa2-65b29a99d17d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsPayable_019e6535-e98d-7c2d-86e3-9060e93abf6f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccountsPayable"/>
    <link:calculationArc order="14" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e6535-e98d-7ace-bec0-e506ac76ce26" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsPayable_019e6535-e98d-7c2d-86e3-9060e93abf6f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities_019e6535-e98d-7259-a82f-f1bdec374eec" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities"/>
    <link:calculationArc order="15" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e6535-e98d-7ace-bec0-e506ac76ce26" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities_019e6535-e98d-7259-a82f-f1bdec374eec" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingLeaseLiability_019e6535-e98d-7ee3-8ede-cb01b6d3d2c3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOperatingLeaseLiability"/>
    <link:calculationArc order="16" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e6535-e98d-7ace-bec0-e506ac76ce26" xlink:to="loc_us-gaap_IncreaseDecreaseInOperatingLeaseLiability_019e6535-e98d-7ee3-8ede-cb01b6d3d2c3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDerivativeLiabilities_019ecffe-bbc2-7029-81b2-c8b2382df0bf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInDerivativeLiabilities"/>
    <link:calculationArc order="17" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e6535-e98d-7ace-bec0-e506ac76ce26" xlink:to="loc_us-gaap_IncreaseDecreaseInDerivativeLiabilities_019ecffe-bbc2-7029-81b2-c8b2382df0bf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e6535-e98d-70f8-8f33-acd233236713" 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_PaymentsToAcquireAvailableForSaleSecuritiesDebt_019e6535-e98d-76e8-af93-0e1645a5d3ba" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e6535-e98d-70f8-8f33-acd233236713" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_019e6535-e98d-76e8-af93-0e1645a5d3ba" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_019e6535-e98d-7969-bb97-4d78076822de" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e6535-e98d-70f8-8f33-acd233236713" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_019e6535-e98d-7969-bb97-4d78076822de" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleAndMaturityOfMarketableSecurities_019e6535-e98d-7ddc-b8db-73d75218a9a3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleAndMaturityOfMarketableSecurities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e6535-e98d-70f8-8f33-acd233236713" xlink:to="loc_us-gaap_ProceedsFromSaleAndMaturityOfMarketableSecurities_019e6535-e98d-7ddc-b8db-73d75218a9a3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireFinanceReceivables_019e6535-e98d-7e50-b676-3fd118428d16" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireFinanceReceivables"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e6535-e98d-70f8-8f33-acd233236713" xlink:to="loc_us-gaap_PaymentsToAcquireFinanceReceivables_019e6535-e98d-7e50-b676-3fd118428d16" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleAndCollectionOfFinanceReceivables_019e6535-e98d-7e3a-bf87-60ee4f4c01d5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleAndCollectionOfFinanceReceivables"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e6535-e98d-70f8-8f33-acd233236713" xlink:to="loc_us-gaap_ProceedsFromSaleAndCollectionOfFinanceReceivables_019e6535-e98d-7e3a-bf87-60ee4f4c01d5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireProductiveAssets_019e6535-e98d-70e3-a1f5-ec449a7f9a65" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireProductiveAssets"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e6535-e98d-70f8-8f33-acd233236713" xlink:to="loc_us-gaap_PaymentsToAcquireProductiveAssets_019e6535-e98d-70e3-a1f5-ec449a7f9a65" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_chym_CapitalizationOfInternalUseSoftware_019ecfff-df3a-7278-883b-2305b7f9737a" xlink:href="chym-20260630.xsd#chym_CapitalizationOfInternalUseSoftware"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e6535-e98d-70f8-8f33-acd233236713" xlink:to="loc_chym_CapitalizationOfInternalUseSoftware_019ecfff-df3a-7278-883b-2305b7f9737a" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.chime.com/role/FAIRVALUEMEASUREMENTScheduleofAssetsandLiabilitiesMeasuredatFairValueDetails" xlink:type="simple" xlink:href="chym-20260630.xsd#FAIRVALUEMEASUREMENTScheduleofAssetsandLiabilitiesMeasuredatFairValueDetails"/>
  <link:calculationLink xlink:role="http://www.chime.com/role/FAIRVALUEMEASUREMENTScheduleofAssetsandLiabilitiesMeasuredatFairValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_019e6535-e98d-706b-ae7c-11aed4a5e911" 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_019e6535-e98d-75ce-bc33-9017c0d20706" 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_019e6535-e98d-706b-ae7c-11aed4a5e911" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019e6535-e98d-75ce-bc33-9017c0d20706" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_chym_RestrictedCashAndCashEquivalentFairValueDisclosure_019f63bb-a0ca-772d-a914-a681ebd67995" xlink:href="chym-20260630.xsd#chym_RestrictedCashAndCashEquivalentFairValueDisclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019e6535-e98d-706b-ae7c-11aed4a5e911" xlink:to="loc_chym_RestrictedCashAndCashEquivalentFairValueDisclosure_019f63bb-a0ca-772d-a914-a681ebd67995" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019e6535-e98d-79a4-ae1e-eeef1001fa48" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019e6535-e98d-706b-ae7c-11aed4a5e911" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019e6535-e98d-79a4-ae1e-eeef1001fa48" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_019e6535-e98d-7f9e-aad4-988f3ab08023" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitiesCurrent_019e6535-e98d-7f93-ab81-afcf8aca2588" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilitiesCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_019e6535-e98d-7f9e-aad4-988f3ab08023" xlink:to="loc_us-gaap_DerivativeLiabilitiesCurrent_019e6535-e98d-7f93-ab81-afcf8aca2588" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.chime.com/role/MARKETABLESECURITIESScheduleofAvailableforSaleMarketableSecuritiesDetails" xlink:type="simple" xlink:href="chym-20260630.xsd#MARKETABLESECURITIESScheduleofAvailableforSaleMarketableSecuritiesDetails"/>
  <link:calculationLink xlink:role="http://www.chime.com/role/MARKETABLESECURITIESScheduleofAvailableforSaleMarketableSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostCurrent_019e6535-e98d-7658-bc3f-eeeffc3b56b1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostCurrent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_019e6535-e98d-75da-9eba-738b035888f8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostCurrent_019e6535-e98d-7658-bc3f-eeeffc3b56b1" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_019e6535-e98d-75da-9eba-738b035888f8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_019e6535-e98d-7230-bd11-3fea27ac30da" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostCurrent_019e6535-e98d-7658-bc3f-eeeffc3b56b1" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_019e6535-e98d-7230-bd11-3fea27ac30da" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecuritiesCurrent_019e6535-e98d-7807-bd63-0e8883093d7b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecuritiesCurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostCurrent_019e6535-e98d-7658-bc3f-eeeffc3b56b1" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecuritiesCurrent_019e6535-e98d-7807-bd63-0e8883093d7b" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.chime.com/role/MARKETABLESECURITIESScheduleofUnrealizedLossonInvestmentsDetails" xlink:type="simple" xlink:href="chym-20260630.xsd#MARKETABLESECURITIESScheduleofUnrealizedLossonInvestmentsDetails"/>
  <link:calculationLink xlink:role="http://www.chime.com/role/MARKETABLESECURITIESScheduleofUnrealizedLossonInvestmentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019e6535-e98d-7ce7-8d6b-459c06eef683" 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_019e6535-e98d-73a4-a898-4af05baee3e2" 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_019e6535-e98d-7ce7-8d6b-459c06eef683" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019e6535-e98d-73a4-a898-4af05baee3e2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019e6535-e98d-73b6-bfe7-dfcbaa025d2d" 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_019e6535-e98d-7ce7-8d6b-459c06eef683" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019e6535-e98d-73b6-bfe7-dfcbaa025d2d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019e6535-e98d-7035-a6f8-51a6903cb627" 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_019e6535-e98d-7f84-8b7d-4d08e370a1df" 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_019e6535-e98d-7035-a6f8-51a6903cb627" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019e6535-e98d-7f84-8b7d-4d08e370a1df" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019e6535-e98d-78ac-a99e-0ac72a13b0b8" 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_019e6535-e98d-7035-a6f8-51a6903cb627" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019e6535-e98d-78ac-a99e-0ac72a13b0b8" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.chime.com/role/MARKETABLESECURITIESScheduleofContractualMaturityDetails" xlink:type="simple" xlink:href="chym-20260630.xsd#MARKETABLESECURITIESScheduleofContractualMaturityDetails"/>
  <link:calculationLink xlink:role="http://www.chime.com/role/MARKETABLESECURITIESScheduleofContractualMaturityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e6535-e98d-73a5-90b7-93545c0ce32b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_019e6535-e98d-7b72-9d78-0383689d81d3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e6535-e98d-73a5-90b7-93545c0ce32b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_019e6535-e98d-7b72-9d78-0383689d81d3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019e6535-e98d-79ec-b839-0882a094ab48" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e6535-e98d-73a5-90b7-93545c0ce32b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019e6535-e98d-79ec-b839-0882a094ab48" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_019e6535-e98d-79a5-8451-6cac2948d7c6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_019e6535-e98d-7137-88c2-f0bdbbf1218b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_019e6535-e98d-79a5-8451-6cac2948d7c6" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_019e6535-e98d-7137-88c2-f0bdbbf1218b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_019e6535-e98d-710d-b8ad-7c7d840435d6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_019e6535-e98d-79a5-8451-6cac2948d7c6" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_019e6535-e98d-710d-b8ad-7c7d840435d6" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.chime.com/role/ACCOUNTSRECEIVABLENETDetails" xlink:type="simple" xlink:href="chym-20260630.xsd#ACCOUNTSRECEIVABLENETDetails"/>
  <link:calculationLink xlink:role="http://www.chime.com/role/ACCOUNTSRECEIVABLENETDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableNetCurrent_019e6535-e98d-7cac-a8ba-5a33a01026dc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsReceivableNetCurrent"/>
    <link:loc xlink:type="locator" xlink:label="loc_chym_AccountsReceivableAfterAllowanceForCreditLossDueFromBankPartnersCurrent_019e6535-e98d-79af-af79-68dded0d6d32" xlink:href="chym-20260630.xsd#chym_AccountsReceivableAfterAllowanceForCreditLossDueFromBankPartnersCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsReceivableNetCurrent_019e6535-e98d-7cac-a8ba-5a33a01026dc" xlink:to="loc_chym_AccountsReceivableAfterAllowanceForCreditLossDueFromBankPartnersCurrent_019e6535-e98d-79af-af79-68dded0d6d32" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_chym_AccountsReceivableAfterAllowanceForCreditLossNetworkIncentiveCurrent_019e6535-e98d-7ccb-a1c7-a3e4220918be" xlink:href="chym-20260630.xsd#chym_AccountsReceivableAfterAllowanceForCreditLossNetworkIncentiveCurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsReceivableNetCurrent_019e6535-e98d-7cac-a8ba-5a33a01026dc" xlink:to="loc_chym_AccountsReceivableAfterAllowanceForCreditLossNetworkIncentiveCurrent_019e6535-e98d-7ccb-a1c7-a3e4220918be" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherReceivables_019e6535-e98d-76bb-85bb-17b9cf475365" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherReceivables"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsReceivableNetCurrent_019e6535-e98d-7cac-a8ba-5a33a01026dc" xlink:to="loc_us-gaap_OtherReceivables_019e6535-e98d-76bb-85bb-17b9cf475365" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.chime.com/role/LOANSHELDFORINVESTMENTNETScheduleofLoansHeldForInvestmentNetDetails" xlink:type="simple" xlink:href="chym-20260630.xsd#LOANSHELDFORINVESTMENTNETScheduleofLoansHeldForInvestmentNetDetails"/>
  <link:calculationLink xlink:role="http://www.chime.com/role/LOANSHELDFORINVESTMENTNETScheduleofLoansHeldForInvestmentNetDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019e6535-e98d-7989-8ccf-33c93fb726ae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e6535-e98d-71eb-92d4-f18a5b5779ac" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019e6535-e98d-7989-8ccf-33c93fb726ae" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e6535-e98d-71eb-92d4-f18a5b5779ac" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019e6535-e98d-7b7c-930b-3a89a7cc37ce" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019e6535-e98d-7989-8ccf-33c93fb726ae" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019e6535-e98d-7b7c-930b-3a89a7cc37ce" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.chime.com/role/PROPERTYEQUIPMENTANDSOFTWARENETScheduleofPropertyEquipmentandSoftwareNetDetails" xlink:type="simple" xlink:href="chym-20260630.xsd#PROPERTYEQUIPMENTANDSOFTWARENETScheduleofPropertyEquipmentandSoftwareNetDetails"/>
  <link:calculationLink xlink:role="http://www.chime.com/role/PROPERTYEQUIPMENTANDSOFTWARENETScheduleofPropertyEquipmentandSoftwareNetDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_019e6535-e98d-714d-9652-1bb55bd1c6aa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentGross_019e6535-e98d-7652-9a72-f891c35ee110" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentNet_019e6535-e98d-714d-9652-1bb55bd1c6aa" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentGross_019e6535-e98d-7652-9a72-f891c35ee110" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_019e6535-e98d-75e7-9bef-f83c327faeeb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentNet_019e6535-e98d-714d-9652-1bb55bd1c6aa" xlink:to="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_019e6535-e98d-75e7-9bef-f83c327faeeb" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.chime.com/role/SIGNIFICANTBALANCESHEETCOMPONENTSScheduleofOtherAssetsDetails" xlink:type="simple" xlink:href="chym-20260630.xsd#SIGNIFICANTBALANCESHEETCOMPONENTSScheduleofOtherAssetsDetails"/>
  <link:calculationLink xlink:role="http://www.chime.com/role/SIGNIFICANTBALANCESHEETCOMPONENTSScheduleofOtherAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_019e6535-e98d-74af-a2f1-d7bbe37f57b9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_019e6535-e98d-7aa2-ba9f-68cc848d8a5a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Goodwill"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssets_019e6535-e98d-74af-a2f1-d7bbe37f57b9" xlink:to="loc_us-gaap_Goodwill_019e6535-e98d-7aa2-ba9f-68cc848d8a5a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsNoncurrent_019e6535-e98d-7474-b5b1-60cb28c3d9e5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssetsNoncurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssets_019e6535-e98d-74af-a2f1-d7bbe37f57b9" xlink:to="loc_us-gaap_OtherAssetsNoncurrent_019e6535-e98d-7474-b5b1-60cb28c3d9e5" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.chime.com/role/SIGNIFICANTBALANCESHEETCOMPONENTSScheduleofAccruedandOtherCurrentLiabilitiesDetails" xlink:type="simple" xlink:href="chym-20260630.xsd#SIGNIFICANTBALANCESHEETCOMPONENTSScheduleofAccruedandOtherCurrentLiabilitiesDetails"/>
  <link:calculationLink xlink:role="http://www.chime.com/role/SIGNIFICANTBALANCESHEETCOMPONENTSScheduleofAccruedandOtherCurrentLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_chym_AccruedLiabilitiesAndOtherLiabilitiesCurrent_019e6535-e98d-7ceb-97d1-76ce79f38c70" xlink:href="chym-20260630.xsd#chym_AccruedLiabilitiesAndOtherLiabilitiesCurrent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesCurrent_019e6535-e98d-7fa5-900c-2f25c24f768b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccruedLiabilitiesCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_chym_AccruedLiabilitiesAndOtherLiabilitiesCurrent_019e6535-e98d-7ceb-97d1-76ce79f38c70" xlink:to="loc_us-gaap_AccruedLiabilitiesCurrent_019e6535-e98d-7fa5-900c-2f25c24f768b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedBonusesCurrent_019e6535-e98d-70ac-b471-5ae13a1e2994" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccruedBonusesCurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_chym_AccruedLiabilitiesAndOtherLiabilitiesCurrent_019e6535-e98d-7ceb-97d1-76ce79f38c70" xlink:to="loc_us-gaap_AccruedBonusesCurrent_019e6535-e98d-70ac-b471-5ae13a1e2994" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiabilityCurrent_019e6535-e98d-7d52-b635-513f5024d6ba" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseLiabilityCurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_chym_AccruedLiabilitiesAndOtherLiabilitiesCurrent_019e6535-e98d-7ceb-97d1-76ce79f38c70" xlink:to="loc_us-gaap_OperatingLeaseLiabilityCurrent_019e6535-e98d-7d52-b635-513f5024d6ba" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingencyAccrualCarryingValueCurrent_019e6535-e98d-7b3f-9188-9d93a906d1d5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LossContingencyAccrualCarryingValueCurrent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_chym_AccruedLiabilitiesAndOtherLiabilitiesCurrent_019e6535-e98d-7ceb-97d1-76ce79f38c70" xlink:to="loc_us-gaap_LossContingencyAccrualCarryingValueCurrent_019e6535-e98d-7b3f-9188-9d93a906d1d5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_chym_NetworkIncentiveObligationCurrent_019e6535-e98d-7d72-aa06-e038ed8ee102" xlink:href="chym-20260630.xsd#chym_NetworkIncentiveObligationCurrent"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_chym_AccruedLiabilitiesAndOtherLiabilitiesCurrent_019e6535-e98d-7ceb-97d1-76ce79f38c70" xlink:to="loc_chym_NetworkIncentiveObligationCurrent_019e6535-e98d-7d72-aa06-e038ed8ee102" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAccruedLiabilitiesCurrent_019e6535-e98d-717c-936c-f2a63981e600" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAccruedLiabilitiesCurrent"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_chym_AccruedLiabilitiesAndOtherLiabilitiesCurrent_019e6535-e98d-7ceb-97d1-76ce79f38c70" xlink:to="loc_us-gaap_OtherAccruedLiabilitiesCurrent_019e6535-e98d-717c-936c-f2a63981e600" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.chime.com/role/SIGNIFICANTBALANCESHEETCOMPONENTSScheduleofOtherNonCurrentLiabilitiesDetails" xlink:type="simple" xlink:href="chym-20260630.xsd#SIGNIFICANTBALANCESHEETCOMPONENTSScheduleofOtherNonCurrentLiabilitiesDetails"/>
  <link:calculationLink xlink:role="http://www.chime.com/role/SIGNIFICANTBALANCESHEETCOMPONENTSScheduleofOtherNonCurrentLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilitiesNoncurrent_019e6535-e98d-74b2-8af2-28e40c49ec98" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherLiabilitiesNoncurrent"/>
    <link:loc xlink:type="locator" xlink:label="loc_chym_NetworkIncentiveObligationNoncurrent_019e6535-e98d-7d51-8f76-52e4ae995cad" xlink:href="chym-20260630.xsd#chym_NetworkIncentiveObligationNoncurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherLiabilitiesNoncurrent_019e6535-e98d-74b2-8af2-28e40c49ec98" xlink:to="loc_chym_NetworkIncentiveObligationNoncurrent_019e6535-e98d-7d51-8f76-52e4ae995cad" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherSundryLiabilitiesNoncurrent_019e6535-e98d-7222-9b76-043e1d4b8eae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherSundryLiabilitiesNoncurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherLiabilitiesNoncurrent_019e6535-e98d-74b2-8af2-28e40c49ec98" xlink:to="loc_us-gaap_OtherSundryLiabilitiesNoncurrent_019e6535-e98d-7222-9b76-043e1d4b8eae" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.chime.com/role/VARIABLEINTERESTENTITIESDetails" xlink:type="simple" xlink:href="chym-20260630.xsd#VARIABLEINTERESTENTITIESDetails"/>
  <link:calculationLink xlink:role="http://www.chime.com/role/VARIABLEINTERESTENTITIESDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsNet_019f1200-48a0-7eb5-a7f5-4bb0da7f77f0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019f1200-48a0-7a77-a278-3e6a7e8e31d6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Assets"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsNet_019f1200-48a0-7eb5-a7f5-4bb0da7f77f0" xlink:to="loc_us-gaap_Assets_019f1200-48a0-7a77-a278-3e6a7e8e31d6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019f1200-48a0-7896-b2f7-4457e8ae7271" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsNet_019f1200-48a0-7eb5-a7f5-4bb0da7f77f0" xlink:to="loc_us-gaap_Liabilities_019f1200-48a0-7896-b2f7-4457e8ae7271" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.chime.com/role/NETINCOMELOSSPERSHAREScheduleofBasicandDilutedNetIncomeLossPerShareDetails" xlink:type="simple" xlink:href="chym-20260630.xsd#NETINCOMELOSSPERSHAREScheduleofBasicandDilutedNetIncomeLossPerShareDetails"/>
  <link:calculationLink xlink:role="http://www.chime.com/role/NETINCOMELOSSPERSHAREScheduleofBasicandDilutedNetIncomeLossPerShareDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019e6535-e98d-7851-aaed-a70e95df7878" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019e6535-e98d-7a70-81ff-7b9f356ed550" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019e6535-e98d-7851-aaed-a70e95df7878" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019e6535-e98d-7a70-81ff-7b9f356ed550" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_019e6535-e98d-720d-8acc-94d635b6a858" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019e6535-e98d-7851-aaed-a70e95df7878" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_019e6535-e98d-720d-8acc-94d635b6a858" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_chym_IncrementalCommonSharesAttributableToDilutiveEffectOfConversionOfCommonStock_019e6535-e98d-7e4c-8814-035113a3a899" xlink:href="chym-20260630.xsd#chym_IncrementalCommonSharesAttributableToDilutiveEffectOfConversionOfCommonStock"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019e6535-e98d-7851-aaed-a70e95df7878" xlink:to="loc_chym_IncrementalCommonSharesAttributableToDilutiveEffectOfConversionOfCommonStock_019e6535-e98d-7e4c-8814-035113a3a899" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_019e6535-e98d-712d-ba95-e6aca218d08b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019e6535-e98d-7b40-924f-786fe559e8b0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_019e6535-e98d-712d-ba95-e6aca218d08b" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019e6535-e98d-7b40-924f-786fe559e8b0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_chym_DilutiveSecuritiesEffectOnBasicEPSDilutiveEffectOfReallocation_019e6535-e98d-7385-92f5-a4775bb0d509" xlink:href="chym-20260630.xsd#chym_DilutiveSecuritiesEffectOnBasicEPSDilutiveEffectOfReallocation"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_019e6535-e98d-712d-ba95-e6aca218d08b" xlink:to="loc_chym_DilutiveSecuritiesEffectOnBasicEPSDilutiveEffectOfReallocation_019e6535-e98d-7385-92f5-a4775bb0d509" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.chime.com/role/COMMITMENTSANDCONTINGENCIESScheduleofOperatingLeaseCostsDetails" xlink:type="simple" xlink:href="chym-20260630.xsd#COMMITMENTSANDCONTINGENCIESScheduleofOperatingLeaseCostsDetails"/>
  <link:calculationLink xlink:role="http://www.chime.com/role/COMMITMENTSANDCONTINGENCIESScheduleofOperatingLeaseCostsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseCost_019e6535-ea4f-7366-907b-aca023df9c56" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LeaseCost"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseCost_019e6535-ea4f-70da-98fe-f47cd9990aa9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseCost"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LeaseCost_019e6535-ea4f-7366-907b-aca023df9c56" xlink:to="loc_us-gaap_OperatingLeaseCost_019e6535-ea4f-70da-98fe-f47cd9990aa9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableLeaseCost_019e6535-ea4f-7a46-91f8-f1cd0452e444" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_VariableLeaseCost"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LeaseCost_019e6535-ea4f-7366-907b-aca023df9c56" xlink:to="loc_us-gaap_VariableLeaseCost_019e6535-ea4f-7a46-91f8-f1cd0452e444" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermLeaseCost_019e6535-ea4f-70d0-ba71-eb3f0e71cadc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShortTermLeaseCost"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LeaseCost_019e6535-ea4f-7366-907b-aca023df9c56" xlink:to="loc_us-gaap_ShortTermLeaseCost_019e6535-ea4f-70d0-ba71-eb3f0e71cadc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubleaseIncome_019e6535-ea4f-7965-b8e3-ec397c523694" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubleaseIncome"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LeaseCost_019e6535-ea4f-7366-907b-aca023df9c56" xlink:to="loc_us-gaap_SubleaseIncome_019e6535-ea4f-7965-b8e3-ec397c523694" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
