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

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019eb7ec-aaf7-7c8e-ab3a-020083a468d8,g:4423a114-50db-4db2-a724-d2ea55bc57af-->
<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://expensify.com/role/CondensedConsolidatedBalanceSheets" xlink:type="simple" xlink:href="exfy-20260630.xsd#CondensedConsolidatedBalanceSheets"/>
  <link:calculationLink xlink:role="http://expensify.com/role/CondensedConsolidatedBalanceSheets" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsCurrent_019eb7ec-aba2-7e6f-aeeb-0b6701f50ed6" 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_019eb7ec-aba2-7f57-a29c-6ff002d93765" 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_019eb7ec-aba2-7e6f-aeeb-0b6701f50ed6" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019eb7ec-aba2-7f57-a29c-6ff002d93765" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableNetCurrent_019eb7ec-aba2-75ae-b166-2a872b19fbe5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsReceivableNetCurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_019eb7ec-aba2-7e6f-aeeb-0b6701f50ed6" xlink:to="loc_us-gaap_AccountsReceivableNetCurrent_019eb7ec-aba2-75ae-b166-2a872b19fbe5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SettlementAssetsCurrent_019eb7ec-aba2-7f92-bd70-4afacf4133e3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SettlementAssetsCurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_019eb7ec-aba2-7e6f-aeeb-0b6701f50ed6" xlink:to="loc_us-gaap_SettlementAssetsCurrent_019eb7ec-aba2-7f92-bd70-4afacf4133e3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidExpenseCurrent_019eb7ec-aba2-7899-a629-2e9288bb7ab3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PrepaidExpenseCurrent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_019eb7ec-aba2-7e6f-aeeb-0b6701f50ed6" xlink:to="loc_us-gaap_PrepaidExpenseCurrent_019eb7ec-aba2-7899-a629-2e9288bb7ab3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsCurrent_019eb7ec-aba2-763a-ac9b-1f0d4c8c9271" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssetsCurrent"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_019eb7ec-aba2-7e6f-aeeb-0b6701f50ed6" xlink:to="loc_us-gaap_OtherAssetsCurrent_019eb7ec-aba2-763a-ac9b-1f0d4c8c9271" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_019eb7ec-aba2-77f3-95bf-bac036a7570d" 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_019eb7ec-aba2-7d60-ad3f-cb2b9c0d7c64" 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_019eb7ec-aba2-77f3-95bf-bac036a7570d" xlink:to="loc_us-gaap_Liabilities_019eb7ec-aba2-7d60-ad3f-cb2b9c0d7c64" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_019eb7ec-aba2-7f82-847a-6ec8a5a4a7f9" 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_019eb7ec-aba2-77f3-95bf-bac036a7570d" xlink:to="loc_us-gaap_CommitmentsAndContingencies_019eb7ec-aba2-7f82-847a-6ec8a5a4a7f9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019eb7ec-aba2-761c-8405-96f76a930213" 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_019eb7ec-aba2-77f3-95bf-bac036a7570d" xlink:to="loc_us-gaap_StockholdersEquity_019eb7ec-aba2-761c-8405-96f76a930213" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesCurrent_019eb7ec-aba2-704a-89f4-4cf9f135c71b" 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_019eb7ec-aba2-7f1f-a8e6-bf864fb73ee0" 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_019eb7ec-aba2-704a-89f4-4cf9f135c71b" xlink:to="loc_us-gaap_AccountsPayableCurrent_019eb7ec-aba2-7f1f-a8e6-bf864fb73ee0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent_019eb7ec-aba2-729a-81a7-e125185a6e61" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_019eb7ec-aba2-704a-89f4-4cf9f135c71b" xlink:to="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent_019eb7ec-aba2-729a-81a7-e125185a6e61" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_exfy_LeaseLiabilityCurrent_019eb7ec-aba2-780b-b19f-791e2c7038d3" xlink:href="exfy-20260630.xsd#exfy_LeaseLiabilityCurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_019eb7ec-aba2-704a-89f4-4cf9f135c71b" xlink:to="loc_exfy_LeaseLiabilityCurrent_019eb7ec-aba2-780b-b19f-791e2c7038d3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SettlementLiabilitiesCurrent_019eb7ec-aba2-7f61-b636-26e919671c66" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SettlementLiabilitiesCurrent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_019eb7ec-aba2-704a-89f4-4cf9f135c71b" xlink:to="loc_us-gaap_SettlementLiabilitiesCurrent_019eb7ec-aba2-7f61-b636-26e919671c66" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019eb7ec-aba2-7d23-9952-6cac570681ae" 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_019eb7ec-aba2-7686-99cc-716c5f4f1948" 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_019eb7ec-aba2-7d23-9952-6cac570681ae" xlink:to="loc_us-gaap_PreferredStockValue_019eb7ec-aba2-7686-99cc-716c5f4f1948" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_019eb7ec-aba2-7abd-8d76-09e3768b0615" 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_019eb7ec-aba2-7d23-9952-6cac570681ae" xlink:to="loc_us-gaap_CommonStockValue_019eb7ec-aba2-7abd-8d76-09e3768b0615" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_019eb7ec-aba2-79fd-882a-16f173c28b92" 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_019eb7ec-aba2-7d23-9952-6cac570681ae" xlink:to="loc_us-gaap_AdditionalPaidInCapital_019eb7ec-aba2-79fd-882a-16f173c28b92" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019eb7ec-aba2-73e1-a859-672ee405fcc3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019eb7ec-aba2-7d23-9952-6cac570681ae" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019eb7ec-aba2-73e1-a859-672ee405fcc3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019eb7ec-aba2-7ae5-aa18-a91a5f72f87c" 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_019eb7ec-aba2-77d1-900f-befc58aadef6" 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_019eb7ec-aba2-7ae5-aa18-a91a5f72f87c" xlink:to="loc_us-gaap_AssetsCurrent_019eb7ec-aba2-77d1-900f-befc58aadef6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalizedComputerSoftwareNet_019eb7ec-aba2-7b38-8ac2-c0259b0bceb9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CapitalizedComputerSoftwareNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019eb7ec-aba2-7ae5-aa18-a91a5f72f87c" xlink:to="loc_us-gaap_CapitalizedComputerSoftwareNet_019eb7ec-aba2-7b38-8ac2-c0259b0bceb9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_019eb7ec-aba2-7d12-8fab-dda8f698927b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019eb7ec-aba2-7ae5-aa18-a91a5f72f87c" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_019eb7ec-aba2-7d12-8fab-dda8f698927b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_exfy_RightOfUseAssets_019eb7ec-aba2-72f0-b56a-53c2e706f0e7" xlink:href="exfy-20260630.xsd#exfy_RightOfUseAssets"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019eb7ec-aba2-7ae5-aa18-a91a5f72f87c" xlink:to="loc_exfy_RightOfUseAssets_019eb7ec-aba2-72f0-b56a-53c2e706f0e7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxAssetsNet_019eb7ec-aba2-7c5f-8495-89893172d7ab" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredIncomeTaxAssetsNet"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019eb7ec-aba2-7ae5-aa18-a91a5f72f87c" xlink:to="loc_us-gaap_DeferredIncomeTaxAssetsNet_019eb7ec-aba2-7c5f-8495-89893172d7ab" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsNoncurrent_019eb7ec-aba2-7d0e-9a88-1d32eb3e1a21" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssetsNoncurrent"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019eb7ec-aba2-7ae5-aa18-a91a5f72f87c" xlink:to="loc_us-gaap_OtherAssetsNoncurrent_019eb7ec-aba2-7d0e-9a88-1d32eb3e1a21" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019eb7ec-aba2-742e-bab8-ad9cc39b3967" 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_019eb7ec-aba2-79d8-8a33-48510f32bfdd" 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_019eb7ec-aba2-742e-bab8-ad9cc39b3967" xlink:to="loc_us-gaap_LiabilitiesCurrent_019eb7ec-aba2-79d8-8a33-48510f32bfdd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_exfy_LeaseLiabilityNonCurrent_019eb7ec-aba2-7e0a-b461-c1992e801e53" xlink:href="exfy-20260630.xsd#exfy_LeaseLiabilityNonCurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019eb7ec-aba2-742e-bab8-ad9cc39b3967" xlink:to="loc_exfy_LeaseLiabilityNonCurrent_019eb7ec-aba2-7e0a-b461-c1992e801e53" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilitiesNoncurrent_019eb7ec-aba2-7b63-8f68-06f11e249227" 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_019eb7ec-aba2-742e-bab8-ad9cc39b3967" xlink:to="loc_us-gaap_OtherLiabilitiesNoncurrent_019eb7ec-aba2-7b63-8f68-06f11e249227" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://expensify.com/role/CondensedConsolidatedStatementsofOperations" xlink:type="simple" xlink:href="exfy-20260630.xsd#CondensedConsolidatedStatementsofOperations"/>
  <link:calculationLink xlink:role="http://expensify.com/role/CondensedConsolidatedStatementsofOperations" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019eb7ec-aba2-7ce7-b36a-c59a04d525a7" 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_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019eb7ec-aba2-7c82-8331-0f6b4015fb49" 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_NetIncomeLossAvailableToCommonStockholdersBasic_019eb7ec-aba2-7ce7-b36a-c59a04d525a7" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019eb7ec-aba2-7c82-8331-0f6b4015fb49" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019eb7ec-aba2-78fc-8c36-e5ca4a991806" 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_NetIncomeLossAvailableToCommonStockholdersBasic_019eb7ec-aba2-7ce7-b36a-c59a04d525a7" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019eb7ec-aba2-78fc-8c36-e5ca4a991806" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_019eb7ec-aba2-7220-abe2-adcecbad0591" 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_019eb7ec-aba2-757e-b1e0-dd7964a02612" 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_019eb7ec-aba2-7220-abe2-adcecbad0591" xlink:to="loc_us-gaap_GrossProfit_019eb7ec-aba2-757e-b1e0-dd7964a02612" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_019eb7ec-aba2-73cf-baaf-c24f7a41434e" 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_019eb7ec-aba2-7220-abe2-adcecbad0591" xlink:to="loc_us-gaap_OperatingExpenses_019eb7ec-aba2-73cf-baaf-c24f7a41434e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019eb7ec-aba2-79e0-ba59-37fbe704dfd8" 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_019eb7ec-aba2-7dd1-9dcd-92584aa7e5b4" 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_019eb7ec-aba2-79e0-ba59-37fbe704dfd8" xlink:to="loc_us-gaap_OperatingIncomeLoss_019eb7ec-aba2-7dd1-9dcd-92584aa7e5b4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNonoperatingNet_019eb7ec-aba2-70d4-8674-d02771b60fed" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeExpenseNonoperatingNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019eb7ec-aba2-79e0-ba59-37fbe704dfd8" xlink:to="loc_us-gaap_InterestIncomeExpenseNonoperatingNet_019eb7ec-aba2-70d4-8674-d02771b60fed" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_019eb7ec-aba2-7229-8fbd-aa565a588ce8" 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_us-gaap_ResearchAndDevelopmentExpense_019eb7ec-aba2-718d-8aed-cf1245bf4318" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResearchAndDevelopmentExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019eb7ec-aba2-7229-8fbd-aa565a588ce8" xlink:to="loc_us-gaap_ResearchAndDevelopmentExpense_019eb7ec-aba2-718d-8aed-cf1245bf4318" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense_019eb7ec-aba2-7610-a1e0-9b4f85a967d1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GeneralAndAdministrativeExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019eb7ec-aba2-7229-8fbd-aa565a588ce8" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpense_019eb7ec-aba2-7610-a1e0-9b4f85a967d1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SellingAndMarketingExpense_019eb7ec-aba2-7273-96b1-6c6ed0814aa9" 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_019eb7ec-aba2-7229-8fbd-aa565a588ce8" xlink:to="loc_us-gaap_SellingAndMarketingExpense_019eb7ec-aba2-7273-96b1-6c6ed0814aa9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_019eb7ec-aba2-71e0-9655-bb871e9ec9de" 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_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019eb7ec-aba2-74dd-8d53-f06bd91bd665" 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_NetIncomeLossAvailableToCommonStockholdersDiluted_019eb7ec-aba2-71e0-9655-bb871e9ec9de" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019eb7ec-aba2-74dd-8d53-f06bd91bd665" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019eb7ec-aba2-7e1f-9d52-fda8b6443ad8" 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_NetIncomeLossAvailableToCommonStockholdersDiluted_019eb7ec-aba2-71e0-9655-bb871e9ec9de" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019eb7ec-aba2-7e1f-9d52-fda8b6443ad8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GrossProfit_019eb7ec-aba2-7a62-8e35-5b6d738da43c" 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_RevenueFromContractWithCustomerExcludingAssessedTax_019eb7ec-aba2-7844-b262-b5ecafad5369" 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_us-gaap_GrossProfit_019eb7ec-aba2-7a62-8e35-5b6d738da43c" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019eb7ec-aba2-7844-b262-b5ecafad5369" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CostOfRevenue_019eb7ec-aba2-7a24-b5e3-fcca3a1e2f28" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CostOfRevenue"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_GrossProfit_019eb7ec-aba2-7a62-8e35-5b6d738da43c" xlink:to="loc_us-gaap_CostOfRevenue_019eb7ec-aba2-7a24-b5e3-fcca3a1e2f28" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://expensify.com/role/CondensedConsolidatedStatementsofCashFlows" xlink:type="simple" xlink:href="exfy-20260630.xsd#CondensedConsolidatedStatementsofCashFlows"/>
  <link:calculationLink xlink:role="http://expensify.com/role/CondensedConsolidatedStatementsofCashFlows" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019eb7ec-aba2-7c82-bd97-28f10890db99" 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_019eb7ec-aba2-7925-a9f6-7e57511e7a63" 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_019eb7ec-aba2-7c82-bd97-28f10890db99" xlink:to="loc_us-gaap_NetIncomeLoss_019eb7ec-aba2-7925-a9f6-7e57511e7a63" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationDepletionAndAmortization_019eb7ec-aba2-709c-970a-4b198bc3b718" 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_019eb7ec-aba2-7c82-bd97-28f10890db99" xlink:to="loc_us-gaap_DepreciationDepletionAndAmortization_019eb7ec-aba2-709c-970a-4b198bc3b718" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseImpairmentLoss_019eb7ec-aba2-7f12-acbd-acaea6719d66" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseImpairmentLoss"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019eb7ec-aba2-7c82-bd97-28f10890db99" xlink:to="loc_us-gaap_OperatingLeaseImpairmentLoss_019eb7ec-aba2-7f12-acbd-acaea6719d66" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_exfy_GainLossOnImpairmentReceivablesAndSaleOrDisposalOfEquipment_019eb7ec-aba2-72ea-8cd6-cce04cb7da6c" xlink:href="exfy-20260630.xsd#exfy_GainLossOnImpairmentReceivablesAndSaleOrDisposalOfEquipment"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019eb7ec-aba2-7c82-bd97-28f10890db99" xlink:to="loc_exfy_GainLossOnImpairmentReceivablesAndSaleOrDisposalOfEquipment_019eb7ec-aba2-72ea-8cd6-cce04cb7da6c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_019eb7ec-aba2-70dd-a08d-3b04f8349a8b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensation"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019eb7ec-aba2-7c82-bd97-28f10890db99" xlink:to="loc_us-gaap_ShareBasedCompensation_019eb7ec-aba2-70dd-a08d-3b04f8349a8b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfFinancingCosts_019eb7ec-aba2-76d3-a266-b0d93d896795" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AmortizationOfFinancingCosts"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019eb7ec-aba2-7c82-bd97-28f10890db99" xlink:to="loc_us-gaap_AmortizationOfFinancingCosts_019eb7ec-aba2-76d3-a266-b0d93d896795" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxesAndTaxCredits_019eb7ec-aba2-7c7b-8925-36606eabcf58" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredIncomeTaxesAndTaxCredits"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019eb7ec-aba2-7c82-bd97-28f10890db99" xlink:to="loc_us-gaap_DeferredIncomeTaxesAndTaxCredits_019eb7ec-aba2-7c7b-8925-36606eabcf58" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_019eb7ec-aba2-762b-8469-cee4421eafa3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019eb7ec-aba2-7c82-bd97-28f10890db99" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_019eb7ec-aba2-762b-8469-cee4421eafa3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_exfy_IncreaseDecreaseInSettlementAssets_019eb7ec-aba2-70e7-9e50-0b4b42d71681" xlink:href="exfy-20260630.xsd#exfy_IncreaseDecreaseInSettlementAssets"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019eb7ec-aba2-7c82-bd97-28f10890db99" xlink:to="loc_exfy_IncreaseDecreaseInSettlementAssets_019eb7ec-aba2-70e7-9e50-0b4b42d71681" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInPrepaidExpense_019eb7ec-aba2-7534-851a-5b5cef611d15" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInPrepaidExpense"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019eb7ec-aba2-7c82-bd97-28f10890db99" xlink:to="loc_us-gaap_IncreaseDecreaseInPrepaidExpense_019eb7ec-aba2-7534-851a-5b5cef611d15" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherCurrentAssets_019eb7ec-aba2-74a5-a823-6460d3dcf312" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOtherCurrentAssets"/>
    <link:calculationArc order="11" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019eb7ec-aba2-7c82-bd97-28f10890db99" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherCurrentAssets_019eb7ec-aba2-74a5-a823-6460d3dcf312" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherNoncurrentAssets_019eb7ec-aba2-7596-a39a-c73a2c324ca6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOtherNoncurrentAssets"/>
    <link:calculationArc order="12" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019eb7ec-aba2-7c82-bd97-28f10890db99" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherNoncurrentAssets_019eb7ec-aba2-7596-a39a-c73a2c324ca6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsPayable_019eb7ec-aba2-7c7d-9d40-816268d57d34" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccountsPayable"/>
    <link:calculationArc order="13" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019eb7ec-aba2-7c82-bd97-28f10890db99" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsPayable_019eb7ec-aba2-7c7d-9d40-816268d57d34" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities_019eb7ec-aba2-75d5-9036-4b4bc0d5867c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities"/>
    <link:calculationArc order="14" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019eb7ec-aba2-7c82-bd97-28f10890db99" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities_019eb7ec-aba2-75d5-9036-4b4bc0d5867c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingLeaseLiability_019eb7ec-aba2-7f25-9850-49ac2bfaf15e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOperatingLeaseLiability"/>
    <link:calculationArc order="15" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019eb7ec-aba2-7c82-bd97-28f10890db99" xlink:to="loc_us-gaap_IncreaseDecreaseInOperatingLeaseLiability_019eb7ec-aba2-7f25-9850-49ac2bfaf15e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_exfy_IncreaseDecreaseInSettlementLiabilities_019eb7ec-aba2-758d-8288-ecd9370e5d31" xlink:href="exfy-20260630.xsd#exfy_IncreaseDecreaseInSettlementLiabilities"/>
    <link:calculationArc order="16" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019eb7ec-aba2-7c82-bd97-28f10890db99" xlink:to="loc_exfy_IncreaseDecreaseInSettlementLiabilities_019eb7ec-aba2-758d-8288-ecd9370e5d31" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_019eb7ec-aba2-79f3-8e19-79b79299e84e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:calculationArc order="17" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019eb7ec-aba2-7c82-bd97-28f10890db99" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_019eb7ec-aba2-79f3-8e19-79b79299e84e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019eb7ec-aba2-76dd-bb7f-770a69db92fc" 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_FinanceLeasePrincipalPayments_019eb7ec-aba2-72c9-bb7b-8c30115dd3ef" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinanceLeasePrincipalPayments"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019eb7ec-aba2-76dd-bb7f-770a69db92fc" xlink:to="loc_us-gaap_FinanceLeasePrincipalPayments_019eb7ec-aba2-72c9-bb7b-8c30115dd3ef" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromStockOptionsExercised_019eb7ec-aba2-79a8-8299-755d88faf3d5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromStockOptionsExercised"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019eb7ec-aba2-76dd-bb7f-770a69db92fc" xlink:to="loc_us-gaap_ProceedsFromStockOptionsExercised_019eb7ec-aba2-79a8-8299-755d88faf3d5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromStockPlans_019eb7ec-aba2-714c-a40a-53cf6e6b4e4e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromStockPlans"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019eb7ec-aba2-76dd-bb7f-770a69db92fc" xlink:to="loc_us-gaap_ProceedsFromStockPlans_019eb7ec-aba2-714c-a40a-53cf6e6b4e4e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_exfy_ProceedsFromPaymentsForCustomerFundsNet_019eb7ec-aba2-7932-a920-413b904c7da9" xlink:href="exfy-20260630.xsd#exfy_ProceedsFromPaymentsForCustomerFundsNet"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019eb7ec-aba2-76dd-bb7f-770a69db92fc" xlink:to="loc_exfy_ProceedsFromPaymentsForCustomerFundsNet_019eb7ec-aba2-7932-a920-413b904c7da9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDebtIssuanceCosts_019ed8c4-9648-7cde-88de-5d33c91bc676" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsOfDebtIssuanceCosts"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019eb7ec-aba2-76dd-bb7f-770a69db92fc" xlink:to="loc_us-gaap_PaymentsOfDebtIssuanceCosts_019ed8c4-9648-7cde-88de-5d33c91bc676" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019f6f7d-c2a6-772b-929a-e36f55462d8f" 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_019eb7ec-aba2-76dd-bb7f-770a69db92fc" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019f6f7d-c2a6-772b-929a-e36f55462d8f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019eb7ec-aba2-755f-8761-31e4b139f1ca" 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_019eb7ec-aba2-7949-b30f-96e0bdc5a94f" 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_019eb7ec-aba2-755f-8761-31e4b139f1ca" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019eb7ec-aba2-7949-b30f-96e0bdc5a94f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019eb7ec-aba2-7ee2-9723-e2197489cdda" 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_019eb7ec-aba2-755f-8761-31e4b139f1ca" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019eb7ec-aba2-7ee2-9723-e2197489cdda" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019eb7ec-aba2-7f58-af46-e3bdc443fb22" 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_019eb7ec-aba2-755f-8761-31e4b139f1ca" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019eb7ec-aba2-7f58-af46-e3bdc443fb22" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019eb7ec-aba2-7196-a02f-2fdbdb464ab9" 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_019eb7ec-aba2-7688-ab96-7c6f358691f0" 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_019eb7ec-aba2-7196-a02f-2fdbdb464ab9" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019eb7ec-aba2-7688-ab96-7c6f358691f0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashCurrent_019eb7ec-aba2-7d39-9c23-0888a36b0711" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RestrictedCashCurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019eb7ec-aba2-7196-a02f-2fdbdb464ab9" xlink:to="loc_us-gaap_RestrictedCashCurrent_019eb7ec-aba2-7d39-9c23-0888a36b0711" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_exfy_RestrictedCashIncludedInSettlementAssets_019eb7ec-aba2-710e-80bc-6e597bcada51" xlink:href="exfy-20260630.xsd#exfy_RestrictedCashIncludedInSettlementAssets"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019eb7ec-aba2-7196-a02f-2fdbdb464ab9" xlink:to="loc_exfy_RestrictedCashIncludedInSettlementAssets_019eb7ec-aba2-710e-80bc-6e597bcada51" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019eb7ec-aba2-71b8-bc52-2b5510d03ed5" 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_PaymentsToDevelopSoftware_019eb7ec-aba2-7f1e-9e14-76b1c1a78063" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToDevelopSoftware"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019eb7ec-aba2-71b8-bc52-2b5510d03ed5" xlink:to="loc_us-gaap_PaymentsToDevelopSoftware_019eb7ec-aba2-7f1e-9e14-76b1c1a78063" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_019f6f7b-ed04-78b1-a1c9-bfdff375efb3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019eb7ec-aba2-71b8-bc52-2b5510d03ed5" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_019f6f7b-ed04-78b1-a1c9-bfdff375efb3" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://expensify.com/role/CERTAINBALANCESHEETCOMPONENTSScheduleofOtherCurrentAssetsDetails" xlink:type="simple" xlink:href="exfy-20260630.xsd#CERTAINBALANCESHEETCOMPONENTSScheduleofOtherCurrentAssetsDetails"/>
  <link:calculationLink xlink:role="http://expensify.com/role/CERTAINBALANCESHEETCOMPONENTSScheduleofOtherCurrentAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsCurrent_019eb7ec-aba3-7889-abde-fad632a6254a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssetsCurrent"/>
    <link:loc xlink:type="locator" xlink:label="loc_exfy_CardCollateralForFundsHeldForCustomersCurrent_019eb7ec-aba3-7974-9320-091a329339d5" xlink:href="exfy-20260630.xsd#exfy_CardCollateralForFundsHeldForCustomersCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssetsCurrent_019eb7ec-aba3-7889-abde-fad632a6254a" xlink:to="loc_exfy_CardCollateralForFundsHeldForCustomersCurrent_019eb7ec-aba3-7974-9320-091a329339d5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_exfy_RestrictedCashHeldForRelatedPartyCurrent_019eb7ec-aba3-7b6c-ac95-9cd4afd42ce5" xlink:href="exfy-20260630.xsd#exfy_RestrictedCashHeldForRelatedPartyCurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssetsCurrent_019eb7ec-aba3-7889-abde-fad632a6254a" xlink:to="loc_exfy_RestrictedCashHeldForRelatedPartyCurrent_019eb7ec-aba3-7b6c-ac95-9cd4afd42ce5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_exfy_EarnedInterchangeRestrictedCash_019eb7ec-aba3-712f-81a9-72d9d0254abf" xlink:href="exfy-20260630.xsd#exfy_EarnedInterchangeRestrictedCash"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssetsCurrent_019eb7ec-aba3-7889-abde-fad632a6254a" xlink:to="loc_exfy_EarnedInterchangeRestrictedCash_019eb7ec-aba3-712f-81a9-72d9d0254abf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxesReceivable_019eb7ec-aba3-74b6-a3bf-66d77f2bac23" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxesReceivable"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssetsCurrent_019eb7ec-aba3-7889-abde-fad632a6254a" xlink:to="loc_us-gaap_IncomeTaxesReceivable_019eb7ec-aba3-74b6-a3bf-66d77f2bac23" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_exfy_DeferredContractAcquisitionCosts_019eb7ec-aba3-7ad7-92c6-68395876697c" xlink:href="exfy-20260630.xsd#exfy_DeferredContractAcquisitionCosts"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssetsCurrent_019eb7ec-aba3-7889-abde-fad632a6254a" xlink:to="loc_exfy_DeferredContractAcquisitionCosts_019eb7ec-aba3-7ad7-92c6-68395876697c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_exfy_OtherRestrictedCashCurrent_019eb7ec-aba3-7b3e-9927-ec89140fe97d" xlink:href="exfy-20260630.xsd#exfy_OtherRestrictedCashCurrent"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssetsCurrent_019eb7ec-aba3-7889-abde-fad632a6254a" xlink:to="loc_exfy_OtherRestrictedCashCurrent_019eb7ec-aba3-7b3e-9927-ec89140fe97d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_exfy_ExpectedInsuranceRecoveriesCurrent_019eb7ec-aba3-7ea2-ba15-6f7a049a53a1" xlink:href="exfy-20260630.xsd#exfy_ExpectedInsuranceRecoveriesCurrent"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssetsCurrent_019eb7ec-aba3-7889-abde-fad632a6254a" xlink:to="loc_exfy_ExpectedInsuranceRecoveriesCurrent_019eb7ec-aba3-7ea2-ba15-6f7a049a53a1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsMiscellaneousCurrent_019eb7ec-aba3-7cf3-9e74-89d8e2c3a46b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssetsMiscellaneousCurrent"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherAssetsCurrent_019eb7ec-aba3-7889-abde-fad632a6254a" xlink:to="loc_us-gaap_OtherAssetsMiscellaneousCurrent_019eb7ec-aba3-7cf3-9e74-89d8e2c3a46b" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://expensify.com/role/CERTAINBALANCESHEETCOMPONENTSScheduleofCapitalizedSoftwareNetDetails" xlink:type="simple" xlink:href="exfy-20260630.xsd#CERTAINBALANCESHEETCOMPONENTSScheduleofCapitalizedSoftwareNetDetails"/>
  <link:calculationLink xlink:role="http://expensify.com/role/CERTAINBALANCESHEETCOMPONENTSScheduleofCapitalizedSoftwareNetDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019eb7ec-aba3-729d-aa94-14f9c7c29e1c" 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_019eb7ec-aba3-7b58-bac6-e33e3452ee4c" 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_019eb7ec-aba3-729d-aa94-14f9c7c29e1c" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_019eb7ec-aba3-7b58-bac6-e33e3452ee4c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019eb7ec-aba3-791d-aec2-c84b92b588c4" 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_019eb7ec-aba3-729d-aa94-14f9c7c29e1c" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019eb7ec-aba3-791d-aec2-c84b92b588c4" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://expensify.com/role/CERTAINBALANCESHEETCOMPONENTSScheduleofPropertyandEquipmentNetDetails" xlink:type="simple" xlink:href="exfy-20260630.xsd#CERTAINBALANCESHEETCOMPONENTSScheduleofPropertyandEquipmentNetDetails"/>
  <link:calculationLink xlink:role="http://expensify.com/role/CERTAINBALANCESHEETCOMPONENTSScheduleofPropertyandEquipmentNetDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_019eb7ec-aba3-7206-abc0-ade9a30fda96" 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_019eb7ec-aba3-7f37-8b37-0ea8ae3ede76" 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_019eb7ec-aba3-7206-abc0-ade9a30fda96" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentGross_019eb7ec-aba3-7f37-8b37-0ea8ae3ede76" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_019eb7ec-aba3-74dd-afe5-3fbd90d9a1d4" 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_019eb7ec-aba3-7206-abc0-ade9a30fda96" xlink:to="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_019eb7ec-aba3-74dd-afe5-3fbd90d9a1d4" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://expensify.com/role/CERTAINBALANCESHEETCOMPONENTSScheduleofAccruedExpensesandOtherLiabilitiesDetails" xlink:type="simple" xlink:href="exfy-20260630.xsd#CERTAINBALANCESHEETCOMPONENTSScheduleofAccruedExpensesandOtherLiabilitiesDetails"/>
  <link:calculationLink xlink:role="http://expensify.com/role/CERTAINBALANCESHEETCOMPONENTSScheduleofAccruedExpensesandOtherLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent_019eb7ec-aba3-7870-b198-25e56ce58068" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedProfessionalFeesCurrent_019eb7ec-aba3-7097-8ab0-12fa2f4be696" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccruedProfessionalFeesCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent_019eb7ec-aba3-7870-b198-25e56ce58068" xlink:to="loc_us-gaap_AccruedProfessionalFeesCurrent_019eb7ec-aba3-7097-8ab0-12fa2f4be696" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_exfy_AccruedPartnerPayoutsAndAdvertisingFeesCurrent_019eb7ec-aba3-78e3-b92f-3eb747a0da07" xlink:href="exfy-20260630.xsd#exfy_AccruedPartnerPayoutsAndAdvertisingFeesCurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent_019eb7ec-aba3-7870-b198-25e56ce58068" xlink:to="loc_exfy_AccruedPartnerPayoutsAndAdvertisingFeesCurrent_019eb7ec-aba3-78e3-b92f-3eb747a0da07" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TaxesPayableCurrent_019eb7ec-aba3-73e8-9b85-6eaa3cef7e5e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TaxesPayableCurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent_019eb7ec-aba3-7870-b198-25e56ce58068" xlink:to="loc_us-gaap_TaxesPayableCurrent_019eb7ec-aba3-73e8-9b85-6eaa3cef7e5e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractWithCustomerLiabilityCurrent_019eb7ec-aba3-72fd-b509-737107e1ab18" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ContractWithCustomerLiabilityCurrent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent_019eb7ec-aba3-7870-b198-25e56ce58068" xlink:to="loc_us-gaap_ContractWithCustomerLiabilityCurrent_019eb7ec-aba3-72fd-b509-737107e1ab18" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_exfy_EmployeeStockPurchasePlanPayrollLiability_019eb7ec-aba3-7c89-a54a-5b90c3c1e7cd" xlink:href="exfy-20260630.xsd#exfy_EmployeeStockPurchasePlanPayrollLiability"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent_019eb7ec-aba3-7870-b198-25e56ce58068" xlink:to="loc_exfy_EmployeeStockPurchasePlanPayrollLiability_019eb7ec-aba3-7c89-a54a-5b90c3c1e7cd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_exfy_AccruedCreditCardProcessingFeesCurrent_019eb7ec-aba3-758e-862d-e73881a6393a" xlink:href="exfy-20260630.xsd#exfy_AccruedCreditCardProcessingFeesCurrent"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent_019eb7ec-aba3-7870-b198-25e56ce58068" xlink:to="loc_exfy_AccruedCreditCardProcessingFeesCurrent_019eb7ec-aba3-758e-862d-e73881a6393a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedIncomeTaxesCurrent_019eb7ec-aba3-719a-8ea1-036df82e0d9c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccruedIncomeTaxesCurrent"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent_019eb7ec-aba3-7870-b198-25e56ce58068" xlink:to="loc_us-gaap_AccruedIncomeTaxesCurrent_019eb7ec-aba3-719a-8ea1-036df82e0d9c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LitigationReserveCurrent_019eb7ec-aba3-75ba-b336-f64d388d906e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LitigationReserveCurrent"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent_019eb7ec-aba3-7870-b198-25e56ce58068" xlink:to="loc_us-gaap_LitigationReserveCurrent_019eb7ec-aba3-75ba-b336-f64d388d906e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAccountsPayableAndAccruedLiabilities_019eb7ec-aba3-7ae8-acc9-ed51f40c4603" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAccountsPayableAndAccruedLiabilities"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent_019eb7ec-aba3-7870-b198-25e56ce58068" xlink:to="loc_us-gaap_OtherAccountsPayableAndAccruedLiabilities_019eb7ec-aba3-7ae8-acc9-ed51f40c4603" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://expensify.com/role/STOCKINCENTIVEPLANSStockbasedCompensationDetails" xlink:type="simple" xlink:href="exfy-20260630.xsd#STOCKINCENTIVEPLANSStockbasedCompensationDetails"/>
  <link:calculationLink xlink:role="http://expensify.com/role/STOCKINCENTIVEPLANSStockbasedCompensationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardCompensationCost1_019eb7ec-aba3-76de-9185-c4d836d37993" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardCompensationCost1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount_019eb7ec-aba3-7a3e-bd4a-1441f7e33231" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardCompensationCost1_019eb7ec-aba3-76de-9185-c4d836d37993" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount_019eb7ec-aba3-7a3e-bd4a-1441f7e33231" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpense_019eb7ec-aba3-7c10-95f3-6e4f8325da87" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AllocatedShareBasedCompensationExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardCompensationCost1_019eb7ec-aba3-76de-9185-c4d836d37993" xlink:to="loc_us-gaap_AllocatedShareBasedCompensationExpense_019eb7ec-aba3-7c10-95f3-6e4f8325da87" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
