<?xml version="1.0" encoding="us-ascii"?>
<!-- XBRL document created with Praxa -->
<!-- Copyright (c) 2026 Praxa LLC. All Rights Reserved.-->
<!-- Creation Date: 2026-09-29T09:34:14.3513+00:00 -->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef xlink:type="simple" xlink:href="aifu-20260630.xsd#DiscontinuedOperationsScheduleofBalanceSheetsDetails" roleURI="http://aifugroup.com/20260630/role/DiscontinuedOperationsScheduleofBalanceSheetsDetails" />
  <link:roleRef xlink:type="simple" xlink:href="aifu-20260630.xsd#PropertyPlantandEquipmentNetScheduleofPropertyPlantandEquipmentNetDetails" roleURI="http://aifugroup.com/20260630/role/PropertyPlantandEquipmentNetScheduleofPropertyPlantandEquipmentNetDetails" />
  <link:roleRef xlink:type="simple" xlink:href="aifu-20260630.xsd#LeasesScheduleofROUAssetsandRelatedLeaseLiabilitiesDetails" roleURI="http://aifugroup.com/20260630/role/LeasesScheduleofROUAssetsandRelatedLeaseLiabilitiesDetails" />
  <link:roleRef xlink:type="simple" xlink:href="aifu-20260630.xsd#LeasesScheduleofMaturitiesofLeaseLiabilitiesDetails" roleURI="http://aifugroup.com/20260630/role/LeasesScheduleofMaturitiesofLeaseLiabilitiesDetails" />
  <link:roleRef xlink:type="simple" xlink:href="aifu-20260630.xsd#OtherPayablesandAccruedExpensesScheduleofOtherPayablesandAccruedExpensesDetails" roleURI="http://aifugroup.com/20260630/role/OtherPayablesandAccruedExpensesScheduleofOtherPayablesandAccruedExpensesDetails" />
  <link:roleRef xlink:type="simple" xlink:href="aifu-20260630.xsd#UnauditedConsolidatedStatementsofLossIncomeandComprehensiveLossIncome" roleURI="http://aifugroup.com/20260630/role/UnauditedConsolidatedStatementsofLossIncomeandComprehensiveLossIncome" />
  <link:roleRef xlink:type="simple" xlink:href="aifu-20260630.xsd#UnauditedConsolidatedStatementsofCashFlows" roleURI="http://aifugroup.com/20260630/role/UnauditedConsolidatedStatementsofCashFlows" />
  <link:roleRef xlink:type="simple" xlink:href="aifu-20260630.xsd#SummaryofSignificantAccountingPoliciesScheduleofAccountsReceivableandContractAssetsNetDetails" roleURI="http://aifugroup.com/20260630/role/SummaryofSignificantAccountingPoliciesScheduleofAccountsReceivableandContractAssetsNetDetails" />
  <link:roleRef xlink:type="simple" xlink:href="aifu-20260630.xsd#CommitmentsandContingenciesScheduleofFutureMinimumLeasePaymentsDetails" roleURI="http://aifugroup.com/20260630/role/CommitmentsandContingenciesScheduleofFutureMinimumLeasePaymentsDetails" />
  <link:roleRef xlink:type="simple" xlink:href="aifu-20260630.xsd#UnauditedConsolidatedBalanceSheets" roleURI="http://aifugroup.com/20260630/role/UnauditedConsolidatedBalanceSheets" />
  <link:roleRef xlink:type="simple" xlink:href="aifu-20260630.xsd#OtherCurrentAssetsScheduleofOtherCurrentAssetsDetails" roleURI="http://aifugroup.com/20260630/role/OtherCurrentAssetsScheduleofOtherCurrentAssetsDetails" />
  <link:roleRef xlink:type="simple" xlink:href="aifu-20260630.xsd#OtherNonCurrentAssetsNetScheduleofOtherNonCurrentAssetsNetDetails" roleURI="http://aifugroup.com/20260630/role/OtherNonCurrentAssetsNetScheduleofOtherNonCurrentAssetsNetDetails" />
  <link:roleRef xlink:type="simple" xlink:href="aifu-20260630.xsd#IncomeTaxesScheduleofIncomeTaxExpensesDetails" roleURI="http://aifugroup.com/20260630/role/IncomeTaxesScheduleofIncomeTaxExpensesDetails" />
  <link:roleRef xlink:type="simple" xlink:href="aifu-20260630.xsd#IncomeTaxesScheduleofDeferredIncomeTaxAssetsandLiabilitiesDetails" roleURI="http://aifugroup.com/20260630/role/IncomeTaxesScheduleofDeferredIncomeTaxAssetsandLiabilitiesDetails" />
  <link:roleRef xlink:type="simple" xlink:href="aifu-20260630.xsd#SegmentReportingScheduleofSegmentReportingInformationbySegmentDetails" roleURI="http://aifugroup.com/20260630/role/SegmentReportingScheduleofSegmentReportingInformationbySegmentDetails" />
  <link:roleRef xlink:type="simple" xlink:href="aifu-20260630.xsd#IncomeTaxesScheduleofEffectiveIncomeTaxRateReconciliationDetails" roleURI="http://aifugroup.com/20260630/role/IncomeTaxesScheduleofEffectiveIncomeTaxRateReconciliationDetails" />
  <link:calculationLink xlink:role="http://aifugroup.com/20260630/role/DiscontinuedOperationsScheduleofBalanceSheetsDetails" xlink:type="extended" xlink:title="calculationLink">
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperationTotalNetAssetsOfTheDisposalGroup" xlink:label="aifu_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperationTotalNetAssetsOfTheDisposalGroup" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation" xlink:label="us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationCashAndCashEquivalents" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationCashAndCashEquivalents" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationInvestment" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationInvestment" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationAccountsNotesAndLoansReceivableNet" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationAccountsNotesAndLoansReceivableNet" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationPrepaidAndOtherAssetsCurrent" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationPrepaidAndOtherAssetsCurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherCurrentAssets" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherCurrentAssets" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationPropertyPlantAndEquipment" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationPropertyPlantAndEquipment" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherNoncurrentAssets" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherNoncurrentAssets" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_DisposalGroupIncludingDiscontinuedOperationRightOfUseAssetNoncurrent" xlink:label="aifu_DisposalGroupIncludingDiscontinuedOperationRightOfUseAssetNoncurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation" xlink:label="us-gaap_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationAccountsPayableAndAccruedLiabilities" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationAccountsPayableAndAccruedLiabilities" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccruedPayrollTaxesCurrent" xlink:label="us-gaap_AccruedPayrollTaxesCurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationAccruedIncomeTaxPayable" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationAccruedIncomeTaxPayable" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_DisposalGroupIncludingDiscontinuedOperationOperatingLeaseLiabilities" xlink:label="aifu_DisposalGroupIncludingDiscontinuedOperationOperatingLeaseLiabilities" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationDeferredTaxLiabilities" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationDeferredTaxLiabilities" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="aifu_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperationTotalNetAssetsOfTheDisposalGroup" xlink:to="us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation" xlink:to="us-gaap_DisposalGroupIncludingDiscontinuedOperationCashAndCashEquivalents" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation" xlink:to="us-gaap_DisposalGroupIncludingDiscontinuedOperationInvestment" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation" xlink:to="us-gaap_DisposalGroupIncludingDiscontinuedOperationAccountsNotesAndLoansReceivableNet" />
    <link:calculationArc xlink:type="arc" order="4.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation" xlink:to="us-gaap_DisposalGroupIncludingDiscontinuedOperationPrepaidAndOtherAssetsCurrent" />
    <link:calculationArc xlink:type="arc" order="5.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation" xlink:to="us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherCurrentAssets" />
    <link:calculationArc xlink:type="arc" order="6.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation" xlink:to="us-gaap_DisposalGroupIncludingDiscontinuedOperationPropertyPlantAndEquipment" />
    <link:calculationArc xlink:type="arc" order="7.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation" xlink:to="us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherNoncurrentAssets" />
    <link:calculationArc xlink:type="arc" order="8.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation" xlink:to="aifu_DisposalGroupIncludingDiscontinuedOperationRightOfUseAssetNoncurrent" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="aifu_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperationTotalNetAssetsOfTheDisposalGroup" xlink:to="us-gaap_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation" xlink:to="us-gaap_DisposalGroupIncludingDiscontinuedOperationAccountsPayableAndAccruedLiabilities" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation" xlink:to="us-gaap_AccruedPayrollTaxesCurrent" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation" xlink:to="us-gaap_DisposalGroupIncludingDiscontinuedOperationAccruedIncomeTaxPayable" />
    <link:calculationArc xlink:type="arc" order="4.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation" xlink:to="aifu_DisposalGroupIncludingDiscontinuedOperationOperatingLeaseLiabilities" />
    <link:calculationArc xlink:type="arc" order="5.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation" xlink:to="us-gaap_DisposalGroupIncludingDiscontinuedOperationDeferredTaxLiabilities" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://aifugroup.com/20260630/role/PropertyPlantandEquipmentNetScheduleofPropertyPlantandEquipmentNetDetails" xlink:type="extended" xlink:title="calculationLink">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="us-gaap_PropertyPlantAndEquipmentNet" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentGross" xlink:label="us-gaap_PropertyPlantAndEquipmentGross" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConstructionInProgressGross" xlink:label="us-gaap_ConstructionInProgressGross" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_PropertyPlantAndEquipmentNet" xlink:to="us-gaap_PropertyPlantAndEquipmentGross" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_PropertyPlantAndEquipmentNet" xlink:to="us-gaap_ConstructionInProgressGross" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_PropertyPlantAndEquipmentNet" xlink:to="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://aifugroup.com/20260630/role/LeasesScheduleofROUAssetsandRelatedLeaseLiabilitiesDetails" xlink:type="extended" xlink:title="calculationLink">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseLiability" xlink:label="us-gaap_OperatingLeaseLiability" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseLiabilityCurrent" xlink:label="us-gaap_OperatingLeaseLiabilityCurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseLiabilityNoncurrent" xlink:label="us-gaap_OperatingLeaseLiabilityNoncurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LeaseCost" xlink:label="us-gaap_LeaseCost" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseCost" xlink:label="us-gaap_OperatingLeaseCost" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShortTermLeaseCost" xlink:label="us-gaap_ShortTermLeaseCost" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OperatingLeaseLiability" xlink:to="us-gaap_OperatingLeaseLiabilityCurrent" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OperatingLeaseLiability" xlink:to="us-gaap_OperatingLeaseLiabilityNoncurrent" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LeaseCost" xlink:to="us-gaap_OperatingLeaseCost" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LeaseCost" xlink:to="us-gaap_ShortTermLeaseCost" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://aifugroup.com/20260630/role/LeasesScheduleofMaturitiesofLeaseLiabilitiesDetails" xlink:type="extended" xlink:title="calculationLink">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseLiability" xlink:label="us-gaap_OperatingLeaseLiability" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseLiabilityCurrent" xlink:label="us-gaap_OperatingLeaseLiabilityCurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseLiabilityNoncurrent" xlink:label="us-gaap_OperatingLeaseLiabilityNoncurrent" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree" />
    <link:calculationArc xlink:type="arc" order="4.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OperatingLeaseLiability" xlink:to="us-gaap_OperatingLeaseLiabilityCurrent" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OperatingLeaseLiability" xlink:to="us-gaap_OperatingLeaseLiabilityNoncurrent" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://aifugroup.com/20260630/role/OtherPayablesandAccruedExpensesScheduleofOtherPayablesandAccruedExpensesDetails" xlink:type="extended" xlink:title="calculationLink">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent" xlink:label="us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_AccrualForTaxesOtherThanIncomeTaxCurrent" xlink:label="aifu_AccrualForTaxesOtherThanIncomeTaxCurrent" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_RefundableDepositsFromEmployeesAndAgents" xlink:label="aifu_RefundableDepositsFromEmployeesAndAgents" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccruedProfessionalFeesCurrent" xlink:label="us-gaap_AccruedProfessionalFeesCurrent" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_AccruedExpensesToThirdParties" xlink:label="aifu_AccruedExpensesToThirdParties" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_AccruedCompensationToStaffLayoff" xlink:label="aifu_AccruedCompensationToStaffLayoff" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_PayableToThirdParties" xlink:label="aifu_PayableToThirdParties" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccruedLiabilitiesAndOtherLiabilities" xlink:label="us-gaap_AccruedLiabilitiesAndOtherLiabilities" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent" xlink:to="aifu_AccrualForTaxesOtherThanIncomeTaxCurrent" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent" xlink:to="aifu_RefundableDepositsFromEmployeesAndAgents" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent" xlink:to="us-gaap_AccruedProfessionalFeesCurrent" />
    <link:calculationArc xlink:type="arc" order="4.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent" xlink:to="aifu_AccruedExpensesToThirdParties" />
    <link:calculationArc xlink:type="arc" order="6.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent" xlink:to="aifu_AccruedCompensationToStaffLayoff" />
    <link:calculationArc xlink:type="arc" order="7.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent" xlink:to="aifu_PayableToThirdParties" />
    <link:calculationArc xlink:type="arc" order="8.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent" xlink:to="us-gaap_AccruedLiabilitiesAndOtherLiabilities" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://aifugroup.com/20260630/role/UnauditedConsolidatedStatementsofLossIncomeandComprehensiveLossIncome" xlink:type="extended" xlink:title="calculationLink">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity" xlink:label="us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" xlink:label="us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToNoncontrollingInterest" xlink:label="us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToNoncontrollingInterest" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingIncomeLoss" xlink:label="us-gaap_OperatingIncomeLoss" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Revenues" xlink:label="us-gaap_Revenues" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingCostsAndExpenses" xlink:label="us-gaap_OperatingCostsAndExpenses" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CostsAndExpenses" xlink:label="us-gaap_CostsAndExpenses" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SellingAndMarketingExpense" xlink:label="us-gaap_SellingAndMarketingExpense" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GeneralAndAdministrativeExpense" xlink:label="us-gaap_GeneralAndAdministrativeExpense" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" xlink:label="us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_GainsLossesFromFairValueChangeNonoperating" xlink:label="aifu_GainsLossesFromFairValueChangeNonoperating" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainLossOnSaleOfInvestments" xlink:label="us-gaap_GainLossOnSaleOfInvestments" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainOrLossOnSaleOfStockInSubsidiary" xlink:label="us-gaap_GainOrLossOnSaleOfStockInSubsidiary" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentIncomeInterest" xlink:label="us-gaap_InvestmentIncomeInterest" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_FinancialCost" xlink:label="aifu_FinancialCost" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProvisionForDoubtfulAccounts" xlink:label="us-gaap_ProvisionForDoubtfulAccounts" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherNonoperatingIncomeExpense" xlink:label="us-gaap_OtherNonoperatingIncomeExpense" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="us-gaap_IncomeTaxExpenseBenefit" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss" xlink:label="us-gaap_NetIncomeLoss" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfitLoss" xlink:label="us-gaap_ProfitLoss" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" xlink:label="us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="us-gaap_ComprehensiveIncomeNetOfTax" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:label="us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest" xlink:label="us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperations" xlink:label="us-gaap_IncomeLossFromContinuingOperations" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsAttributableToNoncontrollingEntity" xlink:label="us-gaap_IncomeLossFromContinuingOperationsAttributableToNoncontrollingEntity" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity" xlink:to="us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity" xlink:to="us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToNoncontrollingInterest" />
    <link:calculationArc xlink:type="arc" order="0.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OperatingIncomeLoss" xlink:to="us-gaap_Revenues" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OperatingIncomeLoss" xlink:to="us-gaap_OperatingCostsAndExpenses" />
    <link:calculationArc xlink:type="arc" order="0.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OperatingCostsAndExpenses" xlink:to="us-gaap_CostsAndExpenses" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OperatingCostsAndExpenses" xlink:to="us-gaap_SellingAndMarketingExpense" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OperatingCostsAndExpenses" xlink:to="us-gaap_GeneralAndAdministrativeExpense" />
    <link:calculationArc xlink:type="arc" order="8.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" xlink:to="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:to="us-gaap_OperatingIncomeLoss" />
    <link:calculationArc xlink:type="arc" order="0.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:to="aifu_GainsLossesFromFairValueChangeNonoperating" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:to="us-gaap_GainLossOnSaleOfInvestments" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:to="us-gaap_GainOrLossOnSaleOfStockInSubsidiary" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:to="us-gaap_InvestmentIncomeInterest" />
    <link:calculationArc xlink:type="arc" order="4.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:to="aifu_FinancialCost" />
    <link:calculationArc xlink:type="arc" order="5.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:to="us-gaap_ProvisionForDoubtfulAccounts" />
    <link:calculationArc xlink:type="arc" order="7.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:to="us-gaap_OtherNonoperatingIncomeExpense" />
    <link:calculationArc xlink:type="arc" order="5.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" xlink:to="us-gaap_IncomeTaxExpenseBenefit" />
    <link:calculationArc xlink:type="arc" order="9.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetIncomeLoss" xlink:to="us-gaap_ProfitLoss" />
    <link:calculationArc xlink:type="arc" order="10.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetIncomeLoss" xlink:to="us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_ComprehensiveIncomeNetOfTax" xlink:to="us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" />
    <link:calculationArc xlink:type="arc" order="9.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:to="us-gaap_ProfitLoss" />
    <link:calculationArc xlink:type="arc" order="0.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:to="us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_ComprehensiveIncomeNetOfTax" xlink:to="us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest" />
    <link:calculationArc xlink:type="arc" order="7.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperations" xlink:to="us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" />
    <link:calculationArc xlink:type="arc" order="11.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperations" xlink:to="us-gaap_IncomeLossFromContinuingOperationsAttributableToNoncontrollingEntity" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://aifugroup.com/20260630/role/UnauditedConsolidatedStatementsofCashFlows" xlink:type="extended" xlink:title="calculationLink">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations" xlink:label="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsDisposalGroupIncludingDiscontinuedOperations" xlink:label="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsDisposalGroupIncludingDiscontinuedOperations" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RestrictedCash" xlink:label="us-gaap_RestrictedCash" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect" xlink:label="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfitLoss" xlink:label="us-gaap_ProfitLoss" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Depreciation" xlink:label="us-gaap_Depreciation" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherNoncashIncomeExpense" xlink:label="us-gaap_OtherNoncashIncomeExpense" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainLossOnTerminationOfLease" xlink:label="us-gaap_GainLossOnTerminationOfLease" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_AllowanceForCreditLossesOnFinancialAssets" xlink:label="aifu_AllowanceForCreditLossesOnFinancialAssets" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensation" xlink:label="us-gaap_ShareBasedCompensation" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:label="us-gaap_GainLossOnSaleOfPropertyPlantEquipment" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_ChangeInFairValueOfEquityInvestments" xlink:label="aifu_ChangeInFairValueOfEquityInvestments" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentIncomeNet" xlink:label="us-gaap_InvestmentIncomeNet" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_NetGainOrLossOnSaleOfStockInSubsidiary" xlink:label="aifu_NetGainOrLossOnSaleOfStockInSubsidiary" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainLossOnInvestments" xlink:label="us-gaap_GainLossOnInvestments" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredIncomeTaxesAndTaxCredits" xlink:label="us-gaap_DeferredIncomeTaxesAndTaxCredits" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_InterestAccruedForOtherReceivables" xlink:label="aifu_InterestAccruedForOtherReceivables" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable" xlink:label="us-gaap_IncreaseDecreaseInAccountsReceivable" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInContractWithCustomerAsset" xlink:label="us-gaap_IncreaseDecreaseInContractWithCustomerAsset" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOtherReceivables" xlink:label="us-gaap_IncreaseDecreaseInOtherReceivables" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOtherCurrentAssets" xlink:label="us-gaap_IncreaseDecreaseInOtherCurrentAssets" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOtherNoncurrentAssets" xlink:label="us-gaap_IncreaseDecreaseInOtherNoncurrentAssets" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccountsPayable" xlink:label="us-gaap_IncreaseDecreaseInAccountsPayable" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccruedLiabilities" xlink:label="us-gaap_IncreaseDecreaseInAccruedLiabilities" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_InsurancePremiumPayables" xlink:label="aifu_InsurancePremiumPayables" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities" xlink:label="us-gaap_IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInEmployeeRelatedLiabilities" xlink:label="us-gaap_IncreaseDecreaseInEmployeeRelatedLiabilities" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" xlink:label="us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_FinanceLeaseLiabilities" xlink:label="aifu_FinanceLeaseLiabilities" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_OtherTaxLiabilities" xlink:label="aifu_OtherTaxLiabilities" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireShortTermInvestments" xlink:label="us-gaap_PaymentsToAcquireShortTermInvestments" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfOtherInvestments" xlink:label="us-gaap_ProceedsFromSaleOfOtherInvestments" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:label="us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireLoansReceivable" xlink:label="us-gaap_PaymentsToAcquireLoansReceivable" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromCollectionOfLoansReceivable" xlink:label="us-gaap_ProceedsFromCollectionOfLoansReceivable" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" xlink:label="us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToFundLongtermLoansToRelatedParties" xlink:label="us-gaap_PaymentsToFundLongtermLoansToRelatedParties" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromCollectionOfLongtermLoansToRelatedParties" xlink:label="us-gaap_ProceedsFromCollectionOfLongtermLoansToRelatedParties" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForProceedsFromBusinessesAndInterestInAffiliates" xlink:label="us-gaap_PaymentsForProceedsFromBusinessesAndInterestInAffiliates" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_ConsiderationReceivedInRespectOfSubsidiariesDisposedOfInThePriorYear" xlink:label="aifu_ConsiderationReceivedInRespectOfSubsidiariesDisposedOfInThePriorYear" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital" xlink:label="us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_CashAcquiredOnNoncashAcquisitions" xlink:label="aifu_CashAcquiredOnNoncashAcquisitions" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:label="us-gaap_ProceedsFromIssuanceOfCommonStock" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RepaymentsOfOtherDebt" xlink:label="us-gaap_RepaymentsOfOtherDebt" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForRepurchaseOfInitialPublicOffering" xlink:label="us-gaap_PaymentsForRepurchaseOfInitialPublicOffering" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations" xlink:to="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsDisposalGroupIncludingDiscontinuedOperations" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations" xlink:to="us-gaap_RestrictedCash" />
    <link:calculationArc xlink:type="arc" order="5.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivities" />
    <link:calculationArc xlink:type="arc" order="0.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_ProfitLoss" />
    <link:calculationArc xlink:type="arc" order="0.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_Depreciation" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_OtherNoncashIncomeExpense" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_GainLossOnTerminationOfLease" />
    <link:calculationArc xlink:type="arc" order="4.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="aifu_AllowanceForCreditLossesOnFinancialAssets" />
    <link:calculationArc xlink:type="arc" order="6.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_ShareBasedCompensation" />
    <link:calculationArc xlink:type="arc" order="7.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_GainLossOnSaleOfPropertyPlantEquipment" />
    <link:calculationArc xlink:type="arc" order="9.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="aifu_ChangeInFairValueOfEquityInvestments" />
    <link:calculationArc xlink:type="arc" order="11.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_InvestmentIncomeNet" />
    <link:calculationArc xlink:type="arc" order="12.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="aifu_NetGainOrLossOnSaleOfStockInSubsidiary" />
    <link:calculationArc xlink:type="arc" order="13.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_GainLossOnInvestments" />
    <link:calculationArc xlink:type="arc" order="15.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_DeferredIncomeTaxesAndTaxCredits" />
    <link:calculationArc xlink:type="arc" order="16.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="aifu_InterestAccruedForOtherReceivables" />
    <link:calculationArc xlink:type="arc" order="0.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_IncreaseDecreaseInAccountsReceivable" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_IncreaseDecreaseInContractWithCustomerAsset" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_IncreaseDecreaseInOtherReceivables" />
    <link:calculationArc xlink:type="arc" order="4.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_IncreaseDecreaseInOtherCurrentAssets" />
    <link:calculationArc xlink:type="arc" order="5.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_IncreaseDecreaseInOtherNoncurrentAssets" />
    <link:calculationArc xlink:type="arc" order="6.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_IncreaseDecreaseInAccountsPayable" />
    <link:calculationArc xlink:type="arc" order="7.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_IncreaseDecreaseInAccruedLiabilities" />
    <link:calculationArc xlink:type="arc" order="8.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="aifu_InsurancePremiumPayables" />
    <link:calculationArc xlink:type="arc" order="9.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities" />
    <link:calculationArc xlink:type="arc" order="10.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_IncreaseDecreaseInEmployeeRelatedLiabilities" />
    <link:calculationArc xlink:type="arc" order="11.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" />
    <link:calculationArc xlink:type="arc" order="12.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="aifu_FinanceLeaseLiabilities" />
    <link:calculationArc xlink:type="arc" order="13.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="aifu_OtherTaxLiabilities" />
    <link:calculationArc xlink:type="arc" order="7.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivities" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_PaymentsToAcquireShortTermInvestments" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_ProceedsFromSaleOfOtherInvestments" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" />
    <link:calculationArc xlink:type="arc" order="4.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" />
    <link:calculationArc xlink:type="arc" order="5.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_PaymentsToAcquireLoansReceivable" />
    <link:calculationArc xlink:type="arc" order="6.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_ProceedsFromCollectionOfLoansReceivable" />
    <link:calculationArc xlink:type="arc" order="7.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" />
    <link:calculationArc xlink:type="arc" order="8.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_PaymentsToFundLongtermLoansToRelatedParties" />
    <link:calculationArc xlink:type="arc" order="9.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_ProceedsFromCollectionOfLongtermLoansToRelatedParties" />
    <link:calculationArc xlink:type="arc" order="10.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_PaymentsForProceedsFromBusinessesAndInterestInAffiliates" />
    <link:calculationArc xlink:type="arc" order="11.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="aifu_ConsiderationReceivedInRespectOfSubsidiariesDisposedOfInThePriorYear" />
    <link:calculationArc xlink:type="arc" order="12.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital" />
    <link:calculationArc xlink:type="arc" order="13.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="aifu_CashAcquiredOnNoncashAcquisitions" />
    <link:calculationArc xlink:type="arc" order="9.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivities" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:to="us-gaap_ProceedsFromIssuanceOfCommonStock" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:to="us-gaap_RepaymentsOfOtherDebt" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:to="us-gaap_PaymentsForRepurchaseOfInitialPublicOffering" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://aifugroup.com/20260630/role/SummaryofSignificantAccountingPoliciesScheduleofAccountsReceivableandContractAssetsNetDetails" xlink:type="extended" xlink:title="calculationLink">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsNotesAndLoansReceivableNetCurrent" xlink:label="us-gaap_AccountsNotesAndLoansReceivableNetCurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsReceivableGrossCurrent" xlink:label="us-gaap_AccountsReceivableGrossCurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ContractWithCustomerAssetNet" xlink:label="us-gaap_ContractWithCustomerAssetNet" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AllowanceForNotesAndLoansReceivableCurrent" xlink:label="us-gaap_AllowanceForNotesAndLoansReceivableCurrent" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AccountsNotesAndLoansReceivableNetCurrent" xlink:to="us-gaap_AccountsReceivableGrossCurrent" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AccountsNotesAndLoansReceivableNetCurrent" xlink:to="us-gaap_ContractWithCustomerAssetNet" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AccountsNotesAndLoansReceivableNetCurrent" xlink:to="us-gaap_AllowanceForNotesAndLoansReceivableCurrent" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://aifugroup.com/20260630/role/CommitmentsandContingenciesScheduleofFutureMinimumLeasePaymentsDetails" xlink:type="extended" xlink:title="calculationLink">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherCommitment" xlink:label="us-gaap_OtherCommitment" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherCommitmentDueInNextTwelveMonths" xlink:label="us-gaap_OtherCommitmentDueInNextTwelveMonths" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherCommitmentDueInSecondAndThirdYear" xlink:label="us-gaap_OtherCommitmentDueInSecondAndThirdYear" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherCommitment" xlink:to="us-gaap_OtherCommitmentDueInNextTwelveMonths" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherCommitment" xlink:to="us-gaap_OtherCommitmentDueInSecondAndThirdYear" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://aifugroup.com/20260630/role/UnauditedConsolidatedBalanceSheets" xlink:type="extended" xlink:title="calculationLink">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsCurrent" xlink:label="us-gaap_AssetsCurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RestrictedCashAndCashEquivalentsAtCarryingValue" xlink:label="us-gaap_RestrictedCashAndCashEquivalentsAtCarryingValue" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtSecurities" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesFvNi" xlink:label="us-gaap_EquitySecuritiesFvNi" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsReceivableNetCurrent" xlink:label="us-gaap_AccountsReceivableNetCurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ContractWithCustomerAssetNetCurrent" xlink:label="us-gaap_ContractWithCustomerAssetNetCurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherReceivablesNetCurrent" xlink:label="us-gaap_OtherReceivablesNetCurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InventoryNet" xlink:label="us-gaap_InventoryNet" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NotesAndLoansReceivableNetCurrent" xlink:label="us-gaap_NotesAndLoansReceivableNetCurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssetsCurrent" xlink:label="us-gaap_OtherAssetsCurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsNoncurrent" xlink:label="us-gaap_AssetsNoncurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RestrictedInvestmentsNoncurrent" xlink:label="us-gaap_RestrictedInvestmentsNoncurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ContractWithCustomerAssetNetNoncurrent" xlink:label="us-gaap_ContractWithCustomerAssetNetNoncurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="us-gaap_PropertyPlantAndEquipmentNet" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredIncomeTaxAssetsNet" xlink:label="us-gaap_DeferredIncomeTaxAssetsNet" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssetsNoncurrent" xlink:label="us-gaap_OtherAssetsNoncurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseRightOfUseAsset" xlink:label="us-gaap_OperatingLeaseRightOfUseAsset" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Assets" xlink:label="us-gaap_Assets" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesCurrent" xlink:label="us-gaap_LiabilitiesCurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShortTermBorrowings" xlink:label="us-gaap_ShortTermBorrowings" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsPayableCurrent" xlink:label="us-gaap_AccountsPayableCurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccruedSalesCommissionCurrent" xlink:label="us-gaap_AccruedSalesCommissionCurrent" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_InsurancePremiumPayablesCurrent" xlink:label="aifu_InsurancePremiumPayablesCurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAccountsPayableAndAccruedLiabilities" xlink:label="us-gaap_OtherAccountsPayableAndAccruedLiabilities" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EmployeeRelatedLiabilitiesCurrent" xlink:label="us-gaap_EmployeeRelatedLiabilitiesCurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TaxesPayableCurrent" xlink:label="us-gaap_TaxesPayableCurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseLiabilityCurrent" xlink:label="us-gaap_OperatingLeaseLiabilityCurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesNoncurrent" xlink:label="us-gaap_LiabilitiesNoncurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesNoncurrent" xlink:label="us-gaap_AccountsPayableAndAccruedLiabilitiesNoncurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredTaxAndOtherLiabilitiesNoncurrent" xlink:label="us-gaap_DeferredTaxAndOtherLiabilitiesNoncurrent" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_DeferredTaxLiabilityNoncurrent" xlink:label="aifu_DeferredTaxLiabilityNoncurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseLiabilityNoncurrent" xlink:label="us-gaap_OperatingLeaseLiabilityNoncurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity" xlink:label="us-gaap_StockholdersEquity" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommitmentsAndContingencies" xlink:label="us-gaap_CommitmentsAndContingencies" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockValue" xlink:label="us-gaap_CommonStockValue" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdditionalPaidInCapitalCommonStock" xlink:label="us-gaap_AdditionalPaidInCapitalCommonStock" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusRequired" xlink:label="us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusRequired" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities" xlink:label="us-gaap_Liabilities" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:label="us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MinorityInterest" xlink:label="us-gaap_MinorityInterest" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsCurrent" xlink:to="us-gaap_CashAndCashEquivalentsAtCarryingValue" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsCurrent" xlink:to="us-gaap_RestrictedCashAndCashEquivalentsAtCarryingValue" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsCurrent" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtSecurities" />
    <link:calculationArc xlink:type="arc" order="4.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsCurrent" xlink:to="us-gaap_EquitySecuritiesFvNi" />
    <link:calculationArc xlink:type="arc" order="5.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsCurrent" xlink:to="us-gaap_AccountsReceivableNetCurrent" />
    <link:calculationArc xlink:type="arc" order="6.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsCurrent" xlink:to="us-gaap_ContractWithCustomerAssetNetCurrent" />
    <link:calculationArc xlink:type="arc" order="7.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsCurrent" xlink:to="us-gaap_OtherReceivablesNetCurrent" />
    <link:calculationArc xlink:type="arc" order="8.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsCurrent" xlink:to="us-gaap_InventoryNet" />
    <link:calculationArc xlink:type="arc" order="9.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsCurrent" xlink:to="us-gaap_NotesAndLoansReceivableNetCurrent" />
    <link:calculationArc xlink:type="arc" order="10.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsCurrent" xlink:to="us-gaap_OtherAssetsCurrent" />
    <link:calculationArc xlink:type="arc" order="0.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsNoncurrent" xlink:to="us-gaap_RestrictedInvestmentsNoncurrent" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsNoncurrent" xlink:to="us-gaap_ContractWithCustomerAssetNetNoncurrent" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsNoncurrent" xlink:to="us-gaap_PropertyPlantAndEquipmentNet" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsNoncurrent" xlink:to="us-gaap_DeferredIncomeTaxAssetsNet" />
    <link:calculationArc xlink:type="arc" order="5.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsNoncurrent" xlink:to="us-gaap_OtherAssetsNoncurrent" />
    <link:calculationArc xlink:type="arc" order="6.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsNoncurrent" xlink:to="us-gaap_OperatingLeaseRightOfUseAsset" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_AssetsCurrent" />
    <link:calculationArc xlink:type="arc" order="8.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_AssetsNoncurrent" />
    <link:calculationArc xlink:type="arc" order="0.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesCurrent" xlink:to="us-gaap_ShortTermBorrowings" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesCurrent" xlink:to="us-gaap_AccountsPayableCurrent" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesCurrent" xlink:to="us-gaap_AccruedSalesCommissionCurrent" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesCurrent" xlink:to="aifu_InsurancePremiumPayablesCurrent" />
    <link:calculationArc xlink:type="arc" order="4.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesCurrent" xlink:to="us-gaap_OtherAccountsPayableAndAccruedLiabilities" />
    <link:calculationArc xlink:type="arc" order="5.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesCurrent" xlink:to="us-gaap_EmployeeRelatedLiabilitiesCurrent" />
    <link:calculationArc xlink:type="arc" order="6.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesCurrent" xlink:to="us-gaap_TaxesPayableCurrent" />
    <link:calculationArc xlink:type="arc" order="7.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesCurrent" xlink:to="us-gaap_OperatingLeaseLiabilityCurrent" />
    <link:calculationArc xlink:type="arc" order="0.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesNoncurrent" xlink:to="us-gaap_AccountsPayableAndAccruedLiabilitiesNoncurrent" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesNoncurrent" xlink:to="us-gaap_DeferredTaxAndOtherLiabilitiesNoncurrent" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesNoncurrent" xlink:to="aifu_DeferredTaxLiabilityNoncurrent" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesNoncurrent" xlink:to="us-gaap_OperatingLeaseLiabilityNoncurrent" />
    <link:calculationArc xlink:type="arc" order="8.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_CommitmentsAndContingencies" />
    <link:calculationArc xlink:type="arc" order="0.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_CommonStockValue" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_AdditionalPaidInCapitalCommonStock" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusRequired" />
    <link:calculationArc xlink:type="arc" order="4.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_RetainedEarningsAccumulatedDeficit" />
    <link:calculationArc xlink:type="arc" order="5.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" />
    <link:calculationArc xlink:type="arc" order="5.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_LiabilitiesCurrent" />
    <link:calculationArc xlink:type="arc" order="6.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_LiabilitiesNoncurrent" />
    <link:calculationArc xlink:type="arc" order="10.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:to="us-gaap_StockholdersEquity" />
    <link:calculationArc xlink:type="arc" order="11.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:to="us-gaap_MinorityInterest" />
    <link:calculationArc xlink:type="arc" order="7.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_Liabilities" />
    <link:calculationArc xlink:type="arc" order="12.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://aifugroup.com/20260630/role/OtherCurrentAssetsScheduleofOtherCurrentAssetsDetails" xlink:type="extended" xlink:title="calculationLink">
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_OtherAssetCurrent" xlink:label="aifu_OtherAssetCurrent" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_PrepaidOperatingCostsAndMiscellaneousDailyExpensesCurrent" xlink:label="aifu_PrepaidOperatingCostsAndMiscellaneousDailyExpensesCurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ValueAddedTaxReceivable" xlink:label="us-gaap_ValueAddedTaxReceivable" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredOfferingCosts" xlink:label="us-gaap_DeferredOfferingCosts" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssets" xlink:label="us-gaap_OtherAssets" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="aifu_OtherAssetCurrent" xlink:to="aifu_PrepaidOperatingCostsAndMiscellaneousDailyExpensesCurrent" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="aifu_OtherAssetCurrent" xlink:to="us-gaap_ValueAddedTaxReceivable" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="aifu_OtherAssetCurrent" xlink:to="us-gaap_DeferredOfferingCosts" />
    <link:calculationArc xlink:type="arc" order="4.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="aifu_OtherAssetCurrent" xlink:to="us-gaap_OtherAssets" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://aifugroup.com/20260630/role/OtherNonCurrentAssetsNetScheduleofOtherNonCurrentAssetsNetDetails" xlink:type="extended" xlink:title="calculationLink">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssetsNoncurrent" xlink:label="us-gaap_OtherAssetsNoncurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount" xlink:label="us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermInvestments" xlink:label="us-gaap_LongTermInvestments" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_AmountDueFromAThirdParty" xlink:label="aifu_AmountDueFromAThirdParty" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_OthersAssetsNoncurrent" xlink:label="aifu_OthersAssetsNoncurrent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:label="us-gaap_AllowanceForDoubtfulAccountsReceivable" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_ImpairmentLossOnOtherNonCurrentAssets" xlink:label="aifu_ImpairmentLossOnOtherNonCurrentAssets" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherAssetsNoncurrent" xlink:to="us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherAssetsNoncurrent" xlink:to="us-gaap_LongTermInvestments" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherAssetsNoncurrent" xlink:to="aifu_AmountDueFromAThirdParty" />
    <link:calculationArc xlink:type="arc" order="6.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherAssetsNoncurrent" xlink:to="aifu_OthersAssetsNoncurrent" />
    <link:calculationArc xlink:type="arc" order="7.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherAssetsNoncurrent" xlink:to="us-gaap_AllowanceForDoubtfulAccountsReceivable" />
    <link:calculationArc xlink:type="arc" order="8.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherAssetsNoncurrent" xlink:to="aifu_ImpairmentLossOnOtherNonCurrentAssets" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://aifugroup.com/20260630/role/IncomeTaxesScheduleofIncomeTaxExpensesDetails" xlink:type="extended" xlink:title="calculationLink">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="us-gaap_IncomeTaxExpenseBenefit" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:label="us-gaap_CurrentIncomeTaxExpenseBenefit" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit" />
    <link:calculationArc xlink:type="arc" order="0.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="us-gaap_CurrentIncomeTaxExpenseBenefit" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="us-gaap_DeferredIncomeTaxExpenseBenefit" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://aifugroup.com/20260630/role/IncomeTaxesScheduleofDeferredIncomeTaxAssetsandLiabilitiesDetails" xlink:type="extended" xlink:title="calculationLink">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredIncomeTaxAssetsNet" xlink:label="us-gaap_DeferredIncomeTaxAssetsNet" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" xlink:label="us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets" xlink:label="us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_DeferredTaxAssetsLitigationAccrual" xlink:label="aifu_DeferredTaxAssetsLitigationAccrual" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredTaxAssetsValuationAllowance" xlink:label="us-gaap_DeferredTaxAssetsValuationAllowance" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredTaxLiabilities" xlink:label="us-gaap_DeferredTaxLiabilities" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_DeferredTaxLiabilitiesFairValueAdjustmentsInRelationToEquityInvestments" xlink:label="aifu_DeferredTaxLiabilitiesFairValueAdjustmentsInRelationToEquityInvestments" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_DeferredTaxLiabilitiesEstimatedProfitArisingFromFutureRenewalCommissions" xlink:label="aifu_DeferredTaxLiabilitiesEstimatedProfitArisingFromFutureRenewalCommissions" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredTaxLiabilitiesOther" xlink:label="us-gaap_DeferredTaxLiabilitiesOther" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DeferredIncomeTaxAssetsNet" xlink:to="us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DeferredIncomeTaxAssetsNet" xlink:to="us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DeferredIncomeTaxAssetsNet" xlink:to="aifu_DeferredTaxAssetsLitigationAccrual" />
    <link:calculationArc xlink:type="arc" order="4.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DeferredIncomeTaxAssetsNet" xlink:to="us-gaap_DeferredTaxAssetsValuationAllowance" />
    <link:calculationArc xlink:type="arc" order="0.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DeferredTaxLiabilities" xlink:to="aifu_DeferredTaxLiabilitiesFairValueAdjustmentsInRelationToEquityInvestments" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DeferredTaxLiabilities" xlink:to="aifu_DeferredTaxLiabilitiesEstimatedProfitArisingFromFutureRenewalCommissions" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DeferredTaxLiabilities" xlink:to="us-gaap_DeferredTaxLiabilitiesOther" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://aifugroup.com/20260630/role/SegmentReportingScheduleofSegmentReportingInformationbySegmentDetails" xlink:type="extended" xlink:title="calculationLink">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingIncomeLoss" xlink:label="us-gaap_OperatingIncomeLoss" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Revenues" xlink:label="us-gaap_Revenues" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingCostsAndExpenses" xlink:label="us-gaap_OperatingCostsAndExpenses" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CostOfRevenue" xlink:label="us-gaap_CostOfRevenue" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SellingAndMarketingExpense" xlink:label="us-gaap_SellingAndMarketingExpense" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GeneralAndAdministrativeExpense" xlink:label="us-gaap_GeneralAndAdministrativeExpense" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetImpairmentCharges" xlink:label="us-gaap_AssetImpairmentCharges" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfitLoss" xlink:label="us-gaap_ProfitLoss" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="us-gaap_IncomeTaxExpenseBenefit" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss" xlink:label="us-gaap_NetIncomeLoss" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" xlink:label="us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OperatingIncomeLoss" xlink:to="us-gaap_Revenues" />
    <link:calculationArc xlink:type="arc" order="5.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OperatingIncomeLoss" xlink:to="us-gaap_OperatingCostsAndExpenses" />
    <link:calculationArc xlink:type="arc" order="1.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OperatingCostsAndExpenses" xlink:to="us-gaap_CostOfRevenue" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OperatingCostsAndExpenses" xlink:to="us-gaap_SellingAndMarketingExpense" />
    <link:calculationArc xlink:type="arc" order="3.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OperatingCostsAndExpenses" xlink:to="us-gaap_GeneralAndAdministrativeExpense" />
    <link:calculationArc xlink:type="arc" order="4.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OperatingCostsAndExpenses" xlink:to="us-gaap_AssetImpairmentCharges" />
    <link:calculationArc xlink:type="arc" order="5.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_ProfitLoss" xlink:to="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" />
    <link:calculationArc xlink:type="arc" order="6.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_ProfitLoss" xlink:to="us-gaap_IncomeTaxExpenseBenefit" />
    <link:calculationArc xlink:type="arc" order="7.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetIncomeLoss" xlink:to="us-gaap_ProfitLoss" />
    <link:calculationArc xlink:type="arc" order="8.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetIncomeLoss" xlink:to="us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" />
  </link:calculationLink>
  <link:calculationLink xlink:role="http://aifugroup.com/20260630/role/IncomeTaxesScheduleofEffectiveIncomeTaxRateReconciliationDetails" xlink:type="extended" xlink:title="calculationLink">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="us-gaap_IncomeTaxExpenseBenefit" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:label="us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxReconciliationNondeductibleExpenseMealsAndEntertainment" xlink:label="us-gaap_IncomeTaxReconciliationNondeductibleExpenseMealsAndEntertainment" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_ProvisionForExpectedCreditLossesOnOtherReceivables" xlink:label="aifu_ProvisionForExpectedCreditLossesOnOtherReceivables" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxReconciliationNondeductibleExpenseOther" xlink:label="us-gaap_IncomeTaxReconciliationNondeductibleExpenseOther" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_IncomeTaxReconciliationNondeductibleExpenseConcessionaryRatesToJurisdictions" xlink:label="aifu_IncomeTaxReconciliationNondeductibleExpenseConcessionaryRatesToJurisdictions" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance" xlink:label="us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:label="us-gaap_IncomeTaxReconciliationTaxExemptIncome" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_EffectiveIncomeTaxRateReconciliationUnrecognizedTaxBenefitsArisingFromCertainTransferPricingArrangements" xlink:label="aifu_EffectiveIncomeTaxRateReconciliationUnrecognizedTaxBenefitsArisingFromCertainTransferPricingArrangements" />
    <link:loc xlink:type="locator" xlink:href="aifu-20260630.xsd#aifu_IncomeTaxReconciliationDeferredIncomeTaxReverse" xlink:label="aifu_IncomeTaxReconciliationDeferredIncomeTaxReverse" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxReconciliationOtherAdjustments" xlink:label="us-gaap_IncomeTaxReconciliationOtherAdjustments" />
    <link:calculationArc xlink:type="arc" order="2.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" />
    <link:calculationArc xlink:type="arc" order="0.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="us-gaap_IncomeTaxReconciliationNondeductibleExpenseMealsAndEntertainment" />
    <link:calculationArc xlink:type="arc" order="4.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="aifu_ProvisionForExpectedCreditLossesOnOtherReceivables" />
    <link:calculationArc xlink:type="arc" order="6.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="us-gaap_IncomeTaxReconciliationNondeductibleExpenseOther" />
    <link:calculationArc xlink:type="arc" order="5.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="aifu_IncomeTaxReconciliationNondeductibleExpenseConcessionaryRatesToJurisdictions" />
    <link:calculationArc xlink:type="arc" order="7.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance" />
    <link:calculationArc xlink:type="arc" order="11.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="us-gaap_IncomeTaxReconciliationTaxExemptIncome" />
    <link:calculationArc xlink:type="arc" order="13.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="aifu_EffectiveIncomeTaxRateReconciliationUnrecognizedTaxBenefitsArisingFromCertainTransferPricingArrangements" />
    <link:calculationArc xlink:type="arc" order="15.00" weight="-1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="aifu_IncomeTaxReconciliationDeferredIncomeTaxReverse" />
    <link:calculationArc xlink:type="arc" order="17.00" weight="1" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="us-gaap_IncomeTaxReconciliationOtherAdjustments" />
  </link:calculationLink>
</link:linkbase>
