<?xml version="1.0" encoding="UTF-8"?>
<!-- Generated by Fujitsu Interstage XWand B0255 -->
<!--
Taxonomy Calculation Links linkbase based on XBRL standard Version 2.1.
Created by UBmatrix Taxonomy Designer 3.0.3.2436 (2009-06-02 12:18).
Contact www.ubmatrix.com
Copyright (c) 2002-2014 UBmatrix inc., All Rights Reserved
Produced on 2014-05-25 12:12:49
-->
<linkbase 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" xmlns:uhal="http://amerco.com/20220331" xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink">
  <roleRef roleURI="http://amerco.com/role/StatementOfFinancialPosition" xlink:type="simple" xlink:href="uhal-20220331.xsd#statementOfFinancialPosition"/>
  <roleRef roleURI="http://amerco.com/role/StatementOfIncome" xlink:type="simple" xlink:href="uhal-20220331.xsd#statementOfIncome"/>
  <roleRef roleURI="http://amerco.com/role/StatementofComprehensiveIncome" xlink:type="simple" xlink:href="uhal-20220331.xsd#statementofComprehensiveIncome"/>
  <roleRef roleURI="http://amerco.com/role/StatementOfCashFlows" xlink:type="simple" xlink:href="uhal-20220331.xsd#statementOfCashFlows"/>
  <roleRef roleURI="http://amerco.com/role/InvestmentsAvailableForSaleInvestmentsDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#InvestmentsAvailableForSaleInvestmentsDetails"/>
  <roleRef roleURI="http://amerco.com/role/InterestOnBorrowingsComponentsOfInterestExpenseDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#InterestOnBorrowingsComponentsOfInterestExpenseDetails"/>
  <roleRef roleURI="http://amerco.com/role/RelatedPartyTransactionsRelatedPartyAssetsDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#RelatedPartyTransactionsRelatedPartyAssetsDetails"/>
  <roleRef roleURI="http://amerco.com/role/FairValueMeasurementsFinancialInstrumentsLevelWithinTheFairValueHierarchyDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#FairValueMeasurementsFinancialInstrumentsLevelWithinTheFairValueHierarchyDetails"/>
  <roleRef roleURI="http://amerco.com/role/RelatedPartyTransactionsRelatedPartyRevenueDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#RelatedPartyTransactionsRelatedPartyRevenueDetails"/>
  <roleRef roleURI="http://amerco.com/role/RelatedPartyTransactionsRelatedPartyCostsAndExpensesDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#RelatedPartyTransactionsRelatedPartyCostsAndExpensesDetails"/>
  <roleRef roleURI="http://amerco.com/role/EmployeeBenefitPlansComponentsOfNetPeriodicPostRetirementBenefitCostDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#EmployeeBenefitPlansComponentsOfNetPeriodicPostRetirementBenefitCostDetails"/>
  <roleRef roleURI="http://amerco.com/role/InvestmentsAdjustedCostAndEstimatedMarketValueOfAvailableForSaleInvestmentsDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#InvestmentsAdjustedCostAndEstimatedMarketValueOfAvailableForSaleInvestmentsDetails"/>
  <roleRef roleURI="http://amerco.com/role/AccountingPoliciesInventoriesNetDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#AccountingPoliciesInventoriesNetDetails"/>
  <roleRef roleURI="http://amerco.com/role/ReinsuranceRecoverablesAndTradeReceivablesNetDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#reinsuranceRecoverablesAndTradeReceivablesNetDetails"/>
  <roleRef roleURI="http://amerco.com/role/InvestmentsCarryingValueOfOtherInvestmentsDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#InvestmentsCarryingValueOfOtherInvestmentsDetails"/>
  <roleRef roleURI="http://amerco.com/role/OtherAssetsDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#otherAssetsDetails"/>
  <roleRef roleURI="http://amerco.com/role/NetInvestmentAndInterestIncomeDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#netInvestmentAndInterestIncomeDetails"/>
  <roleRef roleURI="http://amerco.com/role/ProvisionForTaxesEarningsBeforeTaxesAndProvisionForTaxesDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#ProvisionForTaxesEarningsBeforeTaxesAndProvisionForTaxesDetails"/>
  <roleRef roleURI="http://amerco.com/role/ProvisionForTaxesEffectiveIncomeTaxRateReconciliationDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#ProvisionForTaxesEffectiveIncomeTaxRateReconciliationDetails"/>
  <roleRef roleURI="http://amerco.com/role/EmployeeBenefitPlansFutureNetBenefitPaymentsExpectedForPostEmployeeBenefitObligationsDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#EmployeeBenefitPlansFutureNetBenefitPaymentsExpectedForPostEmployeeBenefitObligationsDetails"/>
  <roleRef roleURI="http://amerco.com/role/ScheduleICondensedFinancialInformationOfAmercoBalanceSheetsDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#ScheduleICondensedFinancialInformationOfAmercoBalanceSheetsDetails"/>
  <roleRef roleURI="http://amerco.com/role/ProvisionForTaxesSignificantComponentsOfDeferredTaxAssetsAndLiabilitiesDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#ProvisionForTaxesSignificantComponentsOfDeferredTaxAssetsAndLiabilitiesDetails"/>
  <roleRef roleURI="http://amerco.com/role/ReinsuranceAndPolicyBenefitsAndLossesClaimsAndLossExpensesPayablePropertyAndCasualtyInsuranceDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#ReinsuranceAndPolicyBenefitsAndLossesClaimsAndLossExpensesPayablePropertyAndCasualtyInsuranceDetails"/>
  <roleRef roleURI="http://amerco.com/role/ScheduleICondensedFinancialInformationOfAmercoStatementOfOperationsDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#ScheduleICondensedFinancialInformationOfAmercoStatementOfOperationsDetails"/>
  <roleRef roleURI="http://amerco.com/role/ReinsuranceAndPolicyBenefitsAndLossesClaimsAndLossExpensesPayableInsuranceSubsidiariesActivityDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#ReinsuranceAndPolicyBenefitsAndLossesClaimsAndLossExpensesPayableInsuranceSubsidiariesActivityDetails"/>
  <roleRef roleURI="http://amerco.com/role/ScheduleICondensedFinancialInformationOfAmercoStatementsOfComprehensiveIncomeDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#ScheduleICondensedFinancialInformationOfAmercoStatementsOfComprehensiveIncomeDetails"/>
  <roleRef roleURI="http://amerco.com/role/ReinsuranceAndPolicyBenefitsAndLossesClaimsAndLossExpensesPayableLiabilityUnpaidLossesAdjustmentExpensesPropertyCasualtyDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#ReinsuranceAndPolicyBenefitsAndLossesClaimsAndLossExpensesPayableLiabilityUnpaidLossesAdjustmentExpensesPropertyCasualtyDetails"/>
  <roleRef roleURI="http://amerco.com/role/BorrowingsAnnualMaturitiesOfLongTermDebtDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#BorrowingsAnnualMaturitiesOfLongTermDebtDetails"/>
  <roleRef roleURI="http://amerco.com/role/RevenueRecognitionRevenueDisaggregatedByTimingOfRevenueRecognitionDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#RevenueRecognitionRevenueDisaggregatedByTimingOfRevenueRecognitionDetails"/>
  <roleRef roleURI="http://amerco.com/role/FairValueMeasurementsFinancialInstrumentsCarryingEstimatedValuesWithinFairValueHierarchyDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#FairValueMeasurementsFinancialInstrumentsCarryingEstimatedValuesWithinFairValueHierarchyDetails"/>
  <roleRef roleURI="http://amerco.com/role/LeasesComponentsOfLeaseExpenseDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#LeasesComponentsOfLeaseExpenseDetails"/>
  <roleRef roleURI="http://amerco.com/role/LeasesComponentsRightOfUseAssetsDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#LeasesComponentsRightOfUseAssetsDetails"/>
  <roleRef roleURI="http://amerco.com/role/LeasesMaturitiesOfLeaseLiabilitiesDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#LeasesMaturitiesOfLeaseLiabilitiesDetails"/>
  <roleRef roleURI="http://amerco.com/role/BorrowingsLongTermDebtDetails" xlink:type="simple" xlink:href="uhal-20220331.xsd#BorrowingsLongTermDebtDetails"/>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/StatementOfIncome">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="us-gaap_NetIncomeLoss"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetIncomeLoss" xlink:to="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingIncomeLoss" xlink:label="us-gaap_OperatingIncomeLoss"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:to="us-gaap_OperatingIncomeLoss" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Revenues" xlink:label="us-gaap_Revenues"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OperatingIncomeLoss" xlink:to="us-gaap_Revenues" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeasesIncomeStatementLeaseRevenue" xlink:label="us-gaap_OperatingLeasesIncomeStatementLeaseRevenue"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Revenues" xlink:to="us-gaap_OperatingLeasesIncomeStatementLeaseRevenue" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_SelfStorageRevenues" xlink:label="uhal_SelfStorageRevenues"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Revenues" xlink:to="uhal_SelfStorageRevenues" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PremiumsEarnedNetLife" xlink:label="us-gaap_PremiumsEarnedNetLife"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Revenues" xlink:to="us-gaap_PremiumsEarnedNetLife" use="optional" order="5.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PremiumsEarnedNetPropertyAndCasualty" xlink:label="us-gaap_PremiumsEarnedNetPropertyAndCasualty"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Revenues" xlink:to="us-gaap_PremiumsEarnedNetPropertyAndCasualty" use="optional" order="6.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InvestmentIncomeInterestAndDividend" xlink:label="us-gaap_InvestmentIncomeInterestAndDividend"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Revenues" xlink:to="us-gaap_InvestmentIncomeInterestAndDividend" use="optional" order="7.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherIncome" xlink:label="us-gaap_OtherIncome"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Revenues" xlink:to="us-gaap_OtherIncome" use="optional" order="8.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueFromContractWithCustomerIncludingAssessedTax" xlink:label="us-gaap_RevenueFromContractWithCustomerIncludingAssessedTax"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Revenues" xlink:to="us-gaap_RevenueFromContractWithCustomerIncludingAssessedTax" order="4.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_SaleRevenuesGoodsGross" xlink:label="uhal_SaleRevenuesGoodsGross"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Revenues" xlink:to="uhal_SaleRevenuesGoodsGross" order="3.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CostsAndExpenses" xlink:label="us-gaap_CostsAndExpenses"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OperatingIncomeLoss" xlink:to="us-gaap_CostsAndExpenses" use="optional" order="2.0" weight="-1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingExpenses" xlink:label="us-gaap_OperatingExpenses"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CostsAndExpenses" xlink:to="us-gaap_OperatingExpenses" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SalesCommissionsAndFees" xlink:label="us-gaap_SalesCommissionsAndFees"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CostsAndExpenses" xlink:to="us-gaap_SalesCommissionsAndFees" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PolicyholderBenefitsAndClaimsIncurredNet" xlink:label="us-gaap_PolicyholderBenefitsAndClaimsIncurredNet"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CostsAndExpenses" xlink:to="us-gaap_PolicyholderBenefitsAndClaimsIncurredNet" use="optional" order="4.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense" xlink:label="us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CostsAndExpenses" xlink:to="us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense" use="optional" order="5.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LeaseAndRentalExpense" xlink:label="us-gaap_LeaseAndRentalExpense"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CostsAndExpenses" xlink:to="us-gaap_LeaseAndRentalExpense" use="optional" order="6.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_DepreciationNetOfGainsLossesOnDisposals" xlink:label="uhal_DepreciationNetOfGainsLossesOnDisposals"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CostsAndExpenses" xlink:to="uhal_DepreciationNetOfGainsLossesOnDisposals" use="optional" order="7.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GainLossOnDispositionOfAssets" xlink:label="us-gaap_GainLossOnDispositionOfAssets"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CostsAndExpenses" xlink:to="us-gaap_GainLossOnDispositionOfAssets" order="8.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CostOfGoodsAndServicesSold" xlink:label="us-gaap_CostOfGoodsAndServicesSold"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CostsAndExpenses" xlink:to="us-gaap_CostOfGoodsAndServicesSold" order="3.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestExpense" xlink:label="us-gaap_InterestExpense"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:to="us-gaap_InterestExpense" use="optional" order="3.0" weight="-1"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_FeesAndAmortizationOnEarlyExtinguishmentOfDebt" xlink:label="uhal_FeesAndAmortizationOnEarlyExtinguishmentOfDebt" xlink:title="FeesAndAmortizationOnEarlyExtinguishmentOfDebt"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:to="uhal_FeesAndAmortizationOnEarlyExtinguishmentOfDebt" order="4.0" weight="-1"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_OtherComponentsOfNetPeriodicBenefitRecoveryCosts" xlink:label="uhal_OtherComponentsOfNetPeriodicBenefitRecoveryCosts"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:to="uhal_OtherComponentsOfNetPeriodicBenefitRecoveryCosts" order="2.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="us-gaap_IncomeTaxExpenseBenefit"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetIncomeLoss" xlink:to="us-gaap_IncomeTaxExpenseBenefit" use="optional" order="2.0" weight="-1"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/StatementofComprehensiveIncome">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="us-gaap_ComprehensiveIncomeNetOfTax"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent" xlink:label="us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_ComprehensiveIncomeNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent" order="1.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1" xlink:label="us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_ComprehensiveIncomeNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1" order="2.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossFinalizationOfPensionAndNonPensionPostretirementPlanValuationNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossFinalizationOfPensionAndNonPensionPostretirementPlanValuationNetOfTax"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeFinalizationOfPensionAndNonPensionPostretirementPlanValuationTax" xlink:label="us-gaap_OtherComprehensiveIncomeFinalizationOfPensionAndNonPensionPostretirementPlanValuationTax"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossFinalizationOfPensionAndNonPensionPostretirementPlanValuationNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeFinalizationOfPensionAndNonPensionPostretirementPlanValuationTax" use="optional" order="1.0" weight="-1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossFinalizationOfPensionAndNonPensionPostretirementPlanValuationBeforeTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossFinalizationOfPensionAndNonPensionPostretirementPlanValuationBeforeTax"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossFinalizationOfPensionAndNonPensionPostretirementPlanValuationNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossFinalizationOfPensionAndNonPensionPostretirementPlanValuationBeforeTax" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesNetOfTax"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesBeforeTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesBeforeTax"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesBeforeTax" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax" use="optional" order="2.0" weight="-1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" use="optional" order="2.0" weight="-1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentBeforeTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentBeforeTax"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentBeforeTax" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax" use="optional" order="1.0" weight="-1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet" xlink:label="us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOciIntoIncomeEffectivePortionTaxEffect" xlink:label="uhal_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionTaxEffect"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet" xlink:to="uhal_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionTaxEffect" order="1.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOciIntoIncomeEffectivePortionBeforeTax" xlink:label="uhal_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionBeforeTax"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet" xlink:to="uhal_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionBeforeTax" order="2.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossTax"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossTax" order="1.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossBeforeTax"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossBeforeTax" order="2.0" weight="1.0"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/StatementOfCashFlows">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:label="CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:title="CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="NetCashProvidedByUsedInOperatingActivities" xlink:title="NetCashProvidedByUsedInOperatingActivities"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:to="NetCashProvidedByUsedInOperatingActivities" xlink:title="calculation: CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect to NetCashProvidedByUsedInOperatingActivities" order="1.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Depreciation" xlink:label="Depreciation" xlink:title="Depreciation"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="Depreciation" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to Depreciation" order="1.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense" xlink:label="DeferredPolicyAcquisitionCostAmortizationExpense" xlink:title="DeferredPolicyAcquisitionCostAmortizationExpense"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="DeferredPolicyAcquisitionCostAmortizationExpense" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to DeferredPolicyAcquisitionCostAmortizationExpense" order="2.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_AmortizationAccretionOfDiscountsAndPremiumsInvestments" xlink:label="AmortizationAccretionOfDiscountsAndPremiumsInvestments" xlink:title="AmortizationAccretionOfDiscountsAndPremiumsInvestments"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="AmortizationAccretionOfDiscountsAndPremiumsInvestments" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to AmortizationAccretionOfDiscountsAndPremiumsInvestments" order="3.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AmortizationOfFinancingCosts" xlink:label="AmortizationOfFinancingCosts" xlink:title="AmortizationOfFinancingCosts"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="AmortizationOfFinancingCosts" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to AmortizationOfFinancingCosts" order="4.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestCreditedToPolicyOwnerAccount" xlink:label="InterestCreditedToPolicyOwnerAccount" xlink:title="InterestCreditedToPolicyOwnerAccount"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="InterestCreditedToPolicyOwnerAccount" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to InterestCreditedToPolicyOwnerAccount" order="5.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProvisionForDoubtfulAccounts" xlink:label="ProvisionForDoubtfulAccounts" xlink:title="ProvisionForDoubtfulAccounts"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="ProvisionForDoubtfulAccounts" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to ProvisionForDoubtfulAccounts" order="6.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InventoryLIFOReserveEffectOnIncomeNet" xlink:label="InventoryLIFOReserveEffectOnIncomeNet" xlink:title="InventoryLIFOReserveEffectOnIncomeNet"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="InventoryLIFOReserveEffectOnIncomeNet" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to InventoryLIFOReserveEffectOnIncomeNet" order="7.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GainLossOnDispositionOfAssets1" xlink:label="GainLossOnDispositionOfAssets1" xlink:title="GainLossOnDispositionOfAssets1"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="GainLossOnDispositionOfAssets1" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to GainLossOnDispositionOfAssets1" order="8.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GainLossOnDispositionOfAssets" xlink:label="GainLossOnDispositionOfAssets" xlink:title="GainLossOnDispositionOfAssets"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="GainLossOnDispositionOfAssets" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to GainLossOnDispositionOfAssets" order="9.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GainLossOnSaleOfOtherInvestments" xlink:label="GainLossOnSaleOfOtherInvestments" xlink:title="GainLossOnSaleOfOtherInvestments"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="GainLossOnSaleOfOtherInvestments" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to GainLossOnSaleOfOtherInvestments" order="10.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RealizedInvestmentGainsLosses" xlink:label="RealizedInvestmentGainsLosses" xlink:title="RealizedInvestmentGainsLosses"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="RealizedInvestmentGainsLosses" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to RealizedInvestmentGainsLosses" order="11.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredIncomeTaxesAndTaxCredits" xlink:label="DeferredIncomeTaxesAndTaxCredits" xlink:title="DeferredIncomeTaxesAndTaxCredits"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="DeferredIncomeTaxesAndTaxCredits" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to DeferredIncomeTaxesAndTaxCredits" order="12.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_IncreaseDecreaseInReinsuranceRecoverablesAndReceivables" xlink:label="IncreaseDecreaseInReinsuranceRecoverablesAndReceivables" xlink:title="IncreaseDecreaseInReinsuranceRecoverablesAndReceivables"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="IncreaseDecreaseInReinsuranceRecoverablesAndReceivables" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to IncreaseDecreaseInReinsuranceRecoverablesAndReceivables" order="13.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInInventories" xlink:label="IncreaseDecreaseInInventories" xlink:title="IncreaseDecreaseInInventories"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="IncreaseDecreaseInInventories" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to IncreaseDecreaseInInventories" order="14.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInPrepaidExpense" xlink:label="IncreaseDecreaseInPrepaidExpense" xlink:title="IncreaseDecreaseInPrepaidExpense"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="IncreaseDecreaseInPrepaidExpense" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to IncreaseDecreaseInPrepaidExpense" order="15.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts" xlink:label="IncreaseDecreaseInDeferredPolicyAcquisitionCosts" xlink:title="IncreaseDecreaseInDeferredPolicyAcquisitionCosts"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="IncreaseDecreaseInDeferredPolicyAcquisitionCosts" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to IncreaseDecreaseInDeferredPolicyAcquisitionCosts" order="16.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:label="IncreaseDecreaseInOtherOperatingAssets" xlink:title="IncreaseDecreaseInOtherOperatingAssets"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="IncreaseDecreaseInOtherOperatingAssets" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to IncreaseDecreaseInOtherOperatingAssets" order="17.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInDueFromRelatedPartiesCurrent" xlink:label="IncreaseDecreaseInDueFromRelatedPartiesCurrent" xlink:title="IncreaseDecreaseInDueFromRelatedPartiesCurrent"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="IncreaseDecreaseInDueFromRelatedPartiesCurrent" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to IncreaseDecreaseInDueFromRelatedPartiesCurrent" order="18.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities" xlink:label="IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities" xlink:title="IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities" order="19.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInOtherInsuranceLiabilities" xlink:label="IncreaseDecreaseInOtherInsuranceLiabilities" xlink:title="IncreaseDecreaseInOtherInsuranceLiabilities"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="IncreaseDecreaseInOtherInsuranceLiabilities" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to IncreaseDecreaseInOtherInsuranceLiabilities" order="20.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInOtherPolicyholderFunds" xlink:label="IncreaseDecreaseInOtherPolicyholderFunds" xlink:title="IncreaseDecreaseInOtherPolicyholderFunds"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="IncreaseDecreaseInOtherPolicyholderFunds" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to IncreaseDecreaseInOtherPolicyholderFunds" order="21.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInDeferredRevenue" xlink:label="IncreaseDecreaseInDeferredRevenue" xlink:title="IncreaseDecreaseInDeferredRevenue"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="IncreaseDecreaseInDeferredRevenue" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to IncreaseDecreaseInDeferredRevenue" order="22.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInDueToRelatedPartiesCurrent" xlink:label="IncreaseDecreaseInDueToRelatedPartiesCurrent" xlink:title="IncreaseDecreaseInDueToRelatedPartiesCurrent"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="IncreaseDecreaseInDueToRelatedPartiesCurrent" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to IncreaseDecreaseInDueToRelatedPartiesCurrent" order="23.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="NetCashProvidedByUsedInInvestingActivities" xlink:title="NetCashProvidedByUsedInInvestingActivities"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:to="NetCashProvidedByUsedInInvestingActivities" xlink:title="calculation: CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect to NetCashProvidedByUsedInInvestingActivities" order="2.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInDepositOtherAssets" xlink:label="IncreaseDecreaseInDepositOtherAssets" xlink:title="IncreaseDecreaseInDepositOtherAssets"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="IncreaseDecreaseInDepositOtherAssets" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to IncreaseDecreaseInDepositOtherAssets" order="1.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="PaymentsToAcquirePropertyPlantAndEquipment" xlink:title="PaymentsToAcquirePropertyPlantAndEquipment"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="PaymentsToAcquirePropertyPlantAndEquipment" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to PaymentsToAcquirePropertyPlantAndEquipment" order="2.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireShortTermInvestments" xlink:label="PaymentsToAcquireShortTermInvestments" xlink:title="PaymentsToAcquireShortTermInvestments"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="PaymentsToAcquireShortTermInvestments" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to PaymentsToAcquireShortTermInvestments" order="3.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireHeldToMaturitySecurities" xlink:label="PaymentsToAcquireHeldToMaturitySecurities" xlink:title="PaymentsToAcquireHeldToMaturitySecurities"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="PaymentsToAcquireHeldToMaturitySecurities" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to PaymentsToAcquireHeldToMaturitySecurities" order="4.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesEquity" xlink:label="PaymentsToAcquireAvailableForSaleSecuritiesEquity" xlink:title="PaymentsToAcquireAvailableForSaleSecuritiesEquity"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="PaymentsToAcquireAvailableForSaleSecuritiesEquity" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to PaymentsToAcquireAvailableForSaleSecuritiesEquity" order="5.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireInvestments" xlink:label="PaymentsToAcquireInvestments" xlink:title="PaymentsToAcquireInvestments"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="PaymentsToAcquireInvestments" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to PaymentsToAcquireInvestments" order="6.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireRealEstateHeldForInvestment" xlink:label="PaymentsToAcquireRealEstateHeldForInvestment" xlink:title="PaymentsToAcquireRealEstateHeldForInvestment"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="PaymentsToAcquireRealEstateHeldForInvestment" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to PaymentsToAcquireRealEstateHeldForInvestment" order="7.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireLoansHeldForInvestment" xlink:label="PaymentsToAcquireLoansHeldForInvestment" xlink:title="PaymentsToAcquireLoansHeldForInvestment"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="PaymentsToAcquireLoansHeldForInvestment" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to PaymentsToAcquireLoansHeldForInvestment" order="8.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:label="ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:title="ProceedsFromSaleOfPropertyPlantAndEquipment"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to ProceedsFromSaleOfPropertyPlantAndEquipment" order="9.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleOfShortTermInvestments" xlink:label="ProceedsFromSaleOfShortTermInvestments" xlink:title="ProceedsFromSaleOfShortTermInvestments"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="ProceedsFromSaleOfShortTermInvestments" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to ProceedsFromSaleOfShortTermInvestments" order="10.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleOfHeldToMaturitySecurities" xlink:label="ProceedsFromSaleOfHeldToMaturitySecurities" xlink:title="ProceedsFromSaleOfHeldToMaturitySecurities"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="ProceedsFromSaleOfHeldToMaturitySecurities" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to ProceedsFromSaleOfHeldToMaturitySecurities" order="11.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesEquity" xlink:label="ProceedsFromSaleOfAvailableForSaleSecuritiesEquity" xlink:title="ProceedsFromSaleOfAvailableForSaleSecuritiesEquity"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="ProceedsFromSaleOfAvailableForSaleSecuritiesEquity" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to ProceedsFromSaleOfAvailableForSaleSecuritiesEquity" order="12.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestments" xlink:label="ProceedsFromSaleMaturityAndCollectionsOfInvestments" xlink:title="ProceedsFromSaleMaturityAndCollectionsOfInvestments"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="ProceedsFromSaleMaturityAndCollectionsOfInvestments" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to ProceedsFromSaleMaturityAndCollectionsOfInvestments" order="13.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleOfRealEstate" xlink:label="ProceedsFromSaleOfRealEstate" xlink:title="ProceedsFromSaleOfRealEstate"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="ProceedsFromSaleOfRealEstate" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to ProceedsFromSaleOfRealEstate" order="14.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale" xlink:label="ProceedsFromSaleOfMortgageLoansHeldForSale" xlink:title="ProceedsFromSaleOfMortgageLoansHeldForSale"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="ProceedsFromSaleOfMortgageLoansHeldForSale" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to ProceedsFromSaleOfMortgageLoansHeldForSale" order="15.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="NetCashProvidedByUsedInFinancingActivities" xlink:title="NetCashProvidedByUsedInFinancingActivities"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:to="NetCashProvidedByUsedInFinancingActivities" xlink:title="calculation: CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect to NetCashProvidedByUsedInFinancingActivities" order="3.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromLinesOfCredit" xlink:label="ProceedsFromLinesOfCredit" xlink:title="ProceedsFromLinesOfCredit"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInFinancingActivities" xlink:to="ProceedsFromLinesOfCredit" xlink:title="calculation: NetCashProvidedByUsedInFinancingActivities to ProceedsFromLinesOfCredit" order="1.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RepaymentsOfLinesOfCredit" xlink:label="RepaymentsOfLinesOfCredit" xlink:title="RepaymentsOfLinesOfCredit"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInFinancingActivities" xlink:to="RepaymentsOfLinesOfCredit" xlink:title="calculation: NetCashProvidedByUsedInFinancingActivities to RepaymentsOfLinesOfCredit" order="2.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsOfDebtIssuanceCosts" xlink:label="PaymentsOfDebtIssuanceCosts" xlink:title="PaymentsOfDebtIssuanceCosts"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInFinancingActivities" xlink:to="PaymentsOfDebtIssuanceCosts" xlink:title="calculation: NetCashProvidedByUsedInFinancingActivities to PaymentsOfDebtIssuanceCosts" order="3.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RepaymentsOfLongTermCapitalLeaseObligations" xlink:label="RepaymentsOfLongTermCapitalLeaseObligations" xlink:title="RepaymentsOfLongTermCapitalLeaseObligations"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInFinancingActivities" xlink:to="RepaymentsOfLongTermCapitalLeaseObligations" xlink:title="calculation: NetCashProvidedByUsedInFinancingActivities to RepaymentsOfLongTermCapitalLeaseObligations" order="4.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xlink:label="ProceedsFromPaymentsForOtherFinancingActivities" xlink:title="ProceedsFromPaymentsForOtherFinancingActivities"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInFinancingActivities" xlink:to="ProceedsFromPaymentsForOtherFinancingActivities" xlink:title="calculation: NetCashProvidedByUsedInFinancingActivities to ProceedsFromPaymentsForOtherFinancingActivities" order="5.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsReceivableFromSecuritization" xlink:label="IncreaseDecreaseInAccountsReceivableFromSecuritization" xlink:title="IncreaseDecreaseInAccountsReceivableFromSecuritization"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInFinancingActivities" xlink:to="IncreaseDecreaseInAccountsReceivableFromSecuritization" xlink:title="calculation: NetCashProvidedByUsedInFinancingActivities to IncreaseDecreaseInAccountsReceivableFromSecuritization" order="6.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock" xlink:label="PaymentsOfDividendsCommonStock" xlink:title="PaymentsOfDividendsCommonStock"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInFinancingActivities" xlink:to="PaymentsOfDividendsCommonStock" xlink:title="calculation: NetCashProvidedByUsedInFinancingActivities to PaymentsOfDividendsCommonStock" order="7.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromAnnuitiesAndInvestmentCertificates" xlink:label="ProceedsFromAnnuitiesAndInvestmentCertificates" xlink:title="ProceedsFromAnnuitiesAndInvestmentCertificates"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInFinancingActivities" xlink:to="ProceedsFromAnnuitiesAndInvestmentCertificates" xlink:title="calculation: NetCashProvidedByUsedInFinancingActivities to ProceedsFromAnnuitiesAndInvestmentCertificates" order="9.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RepaymentsOfAnnuitiesAndInvestmentCertificates" xlink:label="RepaymentsOfAnnuitiesAndInvestmentCertificates" xlink:title="RepaymentsOfAnnuitiesAndInvestmentCertificates"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInFinancingActivities" xlink:to="RepaymentsOfAnnuitiesAndInvestmentCertificates" xlink:title="calculation: NetCashProvidedByUsedInFinancingActivities to RepaymentsOfAnnuitiesAndInvestmentCertificates" order="10.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_ProceedsFromContributionsFromToAffiliates" xlink:label="ProceedsFromContributionsFromToAffiliates" xlink:title="ProceedsFromContributionsFromToAffiliates"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInFinancingActivities" xlink:to="ProceedsFromContributionsFromToAffiliates" xlink:title="calculation: NetCashProvidedByUsedInFinancingActivities to ProceedsFromContributionsFromToAffiliates" order="8.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsDisposalGroupIncludingDiscontinuedOperations" xlink:label="EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsDisposalGroupIncludingDiscontinuedOperations" xlink:title="EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsDisposalGroupIncludingDiscontinuedOperations"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:to="EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsDisposalGroupIncludingDiscontinuedOperations" xlink:title="calculation: CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect to EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsDisposalGroupIncludingDiscontinuedOperations" order="4.0" weight="1.0"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/AccountingPoliciesInventoriesNetDetails">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InventoryNet" xlink:label="us-gaap_InventoryNet"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InventoryGross" xlink:label="us-gaap_InventoryGross"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_InventoryNet" xlink:to="us-gaap_InventoryGross" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InventoryRawMaterials" xlink:label="us-gaap_InventoryRawMaterials"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_InventoryGross" xlink:to="us-gaap_InventoryRawMaterials" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RetailRelatedInventoryMerchandise" xlink:label="us-gaap_RetailRelatedInventoryMerchandise"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_InventoryGross" xlink:to="us-gaap_RetailRelatedInventoryMerchandise" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_RetailSalesOfMovingSuppliesAndPropane" xlink:label="uhal_RetailSalesOfMovingSuppliesAndPropane"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_InventoryGross" xlink:to="uhal_RetailSalesOfMovingSuppliesAndPropane" use="optional" order="3.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InventoryLIFOReserve" xlink:label="us-gaap_InventoryLIFOReserve"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_InventoryNet" xlink:to="us-gaap_InventoryLIFOReserve" use="optional" order="2.0" weight="-1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InventoryValuationReserves" xlink:label="us-gaap_InventoryValuationReserves"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_InventoryNet" xlink:to="us-gaap_InventoryValuationReserves" use="optional" order="3.0" weight="-1"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/ReinsuranceRecoverablesAndTradeReceivablesNetDetails">
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_ReinsuranceRecoverablesAndTradeReceivablesNet" xlink:label="uhal_ReinsuranceRecoverablesAndTradeReceivablesNet"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_ReinsuranceRecoverablesAndTradeReceivablesGross" xlink:label="uhal_ReinsuranceRecoverablesAndTradeReceivablesGross"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_ReinsuranceRecoverablesAndTradeReceivablesNet" xlink:to="uhal_ReinsuranceRecoverablesAndTradeReceivablesGross" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ReinsuranceRecoverables" xlink:label="us-gaap_ReinsuranceRecoverables"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_ReinsuranceRecoverablesAndTradeReceivablesGross" xlink:to="us-gaap_ReinsuranceRecoverables" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TradeReceivablesHeldForSaleAmount" xlink:label="us-gaap_TradeReceivablesHeldForSaleAmount"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_ReinsuranceRecoverablesAndTradeReceivablesGross" xlink:to="us-gaap_TradeReceivablesHeldForSaleAmount" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ReinsuranceReceivablesIncurredButNotReportedClaims" xlink:label="us-gaap_ReinsuranceReceivablesIncurredButNotReportedClaims"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_ReinsuranceRecoverablesAndTradeReceivablesGross" xlink:to="us-gaap_ReinsuranceReceivablesIncurredButNotReportedClaims" use="optional" order="3.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccruedInvestmentIncomeReceivable" xlink:label="us-gaap_AccruedInvestmentIncomeReceivable"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_ReinsuranceRecoverablesAndTradeReceivablesGross" xlink:to="us-gaap_AccruedInvestmentIncomeReceivable" use="optional" order="4.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PremiumsReceivableAtCarryingValue" xlink:label="us-gaap_PremiumsReceivableAtCarryingValue"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_ReinsuranceRecoverablesAndTradeReceivablesGross" xlink:to="us-gaap_PremiumsReceivableAtCarryingValue" use="optional" order="5.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NontradeReceivables" xlink:label="us-gaap_NontradeReceivables"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_ReinsuranceRecoverablesAndTradeReceivablesGross" xlink:to="us-gaap_NontradeReceivables" use="optional" order="6.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherReceivables" xlink:label="us-gaap_OtherReceivables"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_ReinsuranceRecoverablesAndTradeReceivablesGross" xlink:to="us-gaap_OtherReceivables" use="optional" order="7.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:label="us-gaap_AllowanceForDoubtfulAccountsReceivable"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_ReinsuranceRecoverablesAndTradeReceivablesNet" xlink:to="us-gaap_AllowanceForDoubtfulAccountsReceivable" use="optional" order="2.0" weight="-1"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/InvestmentsCarryingValueOfOtherInvestmentsDetails">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Investments" xlink:label="us-gaap_Investments"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MortgageLoansOnRealEstate" xlink:label="us-gaap_MortgageLoansOnRealEstate"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Investments" xlink:to="us-gaap_MortgageLoansOnRealEstate" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShortTermInvestments" xlink:label="us-gaap_ShortTermInvestments"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Investments" xlink:to="us-gaap_ShortTermInvestments" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RealEstateInvestmentPropertyAtCost" xlink:label="us-gaap_RealEstateInvestmentPropertyAtCost"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Investments" xlink:to="us-gaap_RealEstateInvestmentPropertyAtCost" use="optional" order="3.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansInsurancePolicy" xlink:label="us-gaap_LoansInsurancePolicy"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Investments" xlink:to="us-gaap_LoansInsurancePolicy" use="optional" order="4.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherInvestments" xlink:label="us-gaap_OtherInvestments"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Investments" xlink:to="us-gaap_OtherInvestments" use="optional" order="5.0" weight="1"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/OtherAssetsDetails">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DepositsAssets" xlink:label="us-gaap_DepositsAssets"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DepositContractsAssets" xlink:label="us-gaap_DepositContractsAssets"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DepositsAssets" xlink:to="us-gaap_DepositContractsAssets" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashSurrenderValueOfLifeInsurance" xlink:label="us-gaap_CashSurrenderValueOfLifeInsurance"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DepositsAssets" xlink:to="us-gaap_CashSurrenderValueOfLifeInsurance" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherAssetsMiscellaneous" xlink:label="us-gaap_OtherAssetsMiscellaneous"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DepositsAssets" xlink:to="us-gaap_OtherAssetsMiscellaneous" use="optional" order="5.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EscrowDeposit" xlink:label="us-gaap_EscrowDeposit" xlink:title="EscrowDeposit"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DepositsAssets" xlink:to="us-gaap_EscrowDeposit" order="3.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InsuranceSettlementsReceivableCurrent" xlink:label="us-gaap_InsuranceSettlementsReceivableCurrent"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DepositsAssets" xlink:to="us-gaap_InsuranceSettlementsReceivableCurrent" order="4.0" weight="1"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/InterestOnBorrowingsComponentsOfInterestExpenseDetails">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestExpense" xlink:label="us-gaap_InterestExpense"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestExpenseDebtExcludingAmortization" xlink:label="us-gaap_InterestExpenseDebtExcludingAmortization"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_InterestExpense" xlink:to="us-gaap_InterestExpenseDebtExcludingAmortization" order="1.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestCostsCapitalizedAdjustment" xlink:label="us-gaap_InterestCostsCapitalizedAdjustment"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_InterestExpense" xlink:to="us-gaap_InterestCostsCapitalizedAdjustment" order="2.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AmortizationOfDebtDiscountPremium" xlink:label="us-gaap_AmortizationOfDebtDiscountPremium"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_InterestExpense" xlink:to="us-gaap_AmortizationOfDebtDiscountPremium" order="3.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_DerivativeGainLossOnDerivative" xlink:label="uhal_DerivativeGainLossOnDerivative"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_InterestExpense" xlink:to="uhal_DerivativeGainLossOnDerivative" order="4.0" weight="1.0"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/ProvisionForTaxesEarningsBeforeTaxesAndProvisionForTaxesDetails">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:to="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesForeign" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesForeign"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:to="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesForeign" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="us-gaap_IncomeTaxExpenseBenefit"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:label="us-gaap_CurrentIncomeTaxExpenseBenefit"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="us-gaap_CurrentIncomeTaxExpenseBenefit" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CurrentFederalTaxExpenseBenefit" xlink:label="us-gaap_CurrentFederalTaxExpenseBenefit"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:to="us-gaap_CurrentFederalTaxExpenseBenefit" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CurrentStateAndLocalTaxExpenseBenefit" xlink:label="us-gaap_CurrentStateAndLocalTaxExpenseBenefit"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:to="us-gaap_CurrentStateAndLocalTaxExpenseBenefit" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CurrentForeignTaxExpenseBenefit" xlink:label="us-gaap_CurrentForeignTaxExpenseBenefit"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:to="us-gaap_CurrentForeignTaxExpenseBenefit" use="optional" order="3.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_DeferredIncomeTaxExpenseBenefitAlternate" xlink:label="uhal_DeferredIncomeTaxExpenseBenefitAlternate"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="uhal_DeferredIncomeTaxExpenseBenefitAlternate" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredFederalIncomeTaxExpenseBenefit" xlink:label="us-gaap_DeferredFederalIncomeTaxExpenseBenefit"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_DeferredIncomeTaxExpenseBenefitAlternate" xlink:to="us-gaap_DeferredFederalIncomeTaxExpenseBenefit" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit" xlink:label="us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_DeferredIncomeTaxExpenseBenefitAlternate" xlink:to="us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredForeignIncomeTaxExpenseBenefit" xlink:label="us-gaap_DeferredForeignIncomeTaxExpenseBenefit"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_DeferredIncomeTaxExpenseBenefitAlternate" xlink:to="us-gaap_DeferredForeignIncomeTaxExpenseBenefit" use="optional" order="3.0" weight="1"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/ProvisionForTaxesEffectiveIncomeTaxRateReconciliationDetails">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:label="us-gaap_EffectiveIncomeTaxRateContinuingOperations"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:to="us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:to="us-gaap_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential" use="optional" order="3.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:to="us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits" use="optional" order="4.0" weight="-1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationDeductionsDividends" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationDeductionsDividends"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:to="us-gaap_EffectiveIncomeTaxRateReconciliationDeductionsDividends" use="optional" order="7.0" weight="-1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:to="us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" use="optional" order="8.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:to="us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" use="optional" order="9.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_EffectiveIncomeTaxRateReconciliationTransitionTaxRate" xlink:label="uhal_EffectiveIncomeTaxRateReconciliationTransitionTaxRate"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:to="uhal_EffectiveIncomeTaxRateReconciliationTransitionTaxRate" order="5.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_EffectiveIncomeTaxRateReconciliationTaxCreditsNetOperatingLossBenefit" xlink:label="uhal_EffectiveIncomeTaxRateReconciliationTaxCreditsNetOperatingLossBenefit"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:to="uhal_EffectiveIncomeTaxRateReconciliationTaxCreditsNetOperatingLossBenefit" order="1.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxCreditsOther" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationTaxCreditsOther"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:to="us-gaap_EffectiveIncomeTaxRateReconciliationTaxCreditsOther" order="6.0" weight="1.0"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/ProvisionForTaxesSignificantComponentsOfDeferredTaxAssetsAndLiabilitiesDetails">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredIncomeTaxLiabilitiesNet" xlink:label="us-gaap_DeferredIncomeTaxLiabilitiesNet"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredIncomeTaxLiabilities" xlink:label="us-gaap_DeferredIncomeTaxLiabilities"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DeferredIncomeTaxLiabilitiesNet" xlink:to="us-gaap_DeferredIncomeTaxLiabilities" order="1.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment" xlink:label="us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DeferredIncomeTaxLiabilities" xlink:to="us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment" order="1.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxLiabilitiesDeferredExpenseDeferredPolicyAcquisitionCost" xlink:label="us-gaap_DeferredTaxLiabilitiesDeferredExpenseDeferredPolicyAcquisitionCost"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DeferredIncomeTaxLiabilities" xlink:to="us-gaap_DeferredTaxLiabilitiesDeferredExpenseDeferredPolicyAcquisitionCost" order="3.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_DeferredTaxLiabilitiesUnrealizedGainsLosses" xlink:label="uhal_DeferredTaxLiabilitiesUnrealizedGainsLosses"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DeferredIncomeTaxLiabilities" xlink:to="uhal_DeferredTaxLiabilitiesUnrealizedGainsLosses" order="4.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxLiabilitiesOther" xlink:label="us-gaap_DeferredTaxLiabilitiesOther"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DeferredIncomeTaxLiabilities" xlink:to="us-gaap_DeferredTaxLiabilitiesOther" order="5.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxLiabilitiesLeasingArrangements" xlink:label="us-gaap_DeferredTaxLiabilitiesLeasingArrangements"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DeferredIncomeTaxLiabilities" xlink:to="us-gaap_DeferredTaxLiabilitiesLeasingArrangements" order="2.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsGross" xlink:label="us-gaap_DeferredTaxAssetsGross"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DeferredIncomeTaxLiabilitiesNet" xlink:to="us-gaap_DeferredTaxAssetsGross" order="2.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsTaxCreditCarryforwards" xlink:label="us-gaap_DeferredTaxAssetsTaxCreditCarryforwards"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DeferredTaxAssetsGross" xlink:to="us-gaap_DeferredTaxAssetsTaxCreditCarryforwards" order="1.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities" xlink:label="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DeferredTaxAssetsGross" xlink:to="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities" order="2.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsPolicyholderLiabilities" xlink:label="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsPolicyholderLiabilities"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DeferredTaxAssetsGross" xlink:to="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsPolicyholderLiabilities" order="3.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_DeferredTaxAssetsLeasingArrangements" xlink:label="uhal_DeferredTaxAssetsLeasingArrangements"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DeferredTaxAssetsGross" xlink:to="uhal_DeferredTaxAssetsLeasingArrangements" order="4.0" weight="1.0"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/EmployeeBenefitPlansComponentsOfNetPeriodicPostRetirementBenefitCostDetails">
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_OtherComponentsOfNetPeriodicBenefitRecoveryCosts" xlink:label="uhal_OtherComponentsOfNetPeriodicBenefitRecoveryCosts"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DefinedBenefitPlanInterestCost" xlink:label="us-gaap_DefinedBenefitPlanInterestCost"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_OtherComponentsOfNetPeriodicBenefitRecoveryCosts" xlink:to="us-gaap_DefinedBenefitPlanInterestCost" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DefinedBenefitPlanOtherCosts" xlink:label="us-gaap_DefinedBenefitPlanOtherCosts"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_OtherComponentsOfNetPeriodicBenefitRecoveryCosts" xlink:to="us-gaap_DefinedBenefitPlanOtherCosts" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:label="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DefinedBenefitPlanServiceCost" xlink:label="us-gaap_DefinedBenefitPlanServiceCost"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:to="us-gaap_DefinedBenefitPlanServiceCost" use="optional" order="1.0" weight="1"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:to="uhal_OtherComponentsOfNetPeriodicBenefitRecoveryCosts" order="2.0" weight="1.0"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/EmployeeBenefitPlansFutureNetBenefitPaymentsExpectedForPostEmployeeBenefitObligationsDetails">
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_DefinedBenefitPlanExpectedFutureBenefitPaymentsTotal" xlink:label="uhal_DefinedBenefitPlanExpectedFutureBenefitPaymentsTotal"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_DefinedBenefitPlanExpectedFutureBenefitPaymentsTotal" xlink:to="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_DefinedBenefitPlanExpectedFutureBenefitPaymentsTotal" xlink:to="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_DefinedBenefitPlanExpectedFutureBenefitPaymentsTotal" xlink:to="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree" use="optional" order="3.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_DefinedBenefitPlanExpectedFutureBenefitPaymentsTotal" xlink:to="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour" use="optional" order="4.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_DefinedBenefitPlanExpectedFutureBenefitPaymentsTotal" xlink:to="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive" use="optional" order="5.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter" xlink:label="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_DefinedBenefitPlanExpectedFutureBenefitPaymentsTotal" xlink:to="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter" use="optional" order="6.0" weight="1"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/BorrowingsAnnualMaturitiesOfLongTermDebtDetails">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebt" xlink:label="us-gaap_LongTermDebt"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" xlink:label="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LongTermDebt" xlink:to="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" order="1.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:label="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LongTermDebt" xlink:to="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" order="2.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:label="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LongTermDebt" xlink:to="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" order="3.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" xlink:label="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LongTermDebt" xlink:to="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" order="4.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive" xlink:label="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LongTermDebt" xlink:to="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive" order="5.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive" xlink:label="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LongTermDebt" xlink:to="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive" order="6.0" weight="1.0"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/RevenueRecognitionRevenueDisaggregatedByTimingOfRevenueRecognitionDetails">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Revenues" xlink:label="us-gaap_Revenues"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_RevenuesFromContractsRecognizedOverTimeAndPointInTime" xlink:label="uhal_RevenuesFromContractsRecognizedOverTimeAndPointInTime"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Revenues" xlink:to="uhal_RevenuesFromContractsRecognizedOverTimeAndPointInTime" order="1.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_RevenuesRecognizedAtPointInTime" xlink:label="uhal_RevenuesRecognizedAtPointInTime"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_RevenuesFromContractsRecognizedOverTimeAndPointInTime" xlink:to="uhal_RevenuesRecognizedAtPointInTime" order="1.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_RevenuesRecognizedOverTime" xlink:label="uhal_RevenuesRecognizedOverTime"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_RevenuesFromContractsRecognizedOverTimeAndPointInTime" xlink:to="uhal_RevenuesRecognizedOverTime" order="2.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_RevenuesFromContractsWithCustomersLeases" xlink:label="uhal_RevenuesFromContractsWithCustomersLeases"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Revenues" xlink:to="uhal_RevenuesFromContractsWithCustomersLeases" order="2.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_RevenuesFromContractsWithCustomersInsurance" xlink:label="uhal_RevenuesFromContractsWithCustomersInsurance"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Revenues" xlink:to="uhal_RevenuesFromContractsWithCustomersInsurance" order="3.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_RevenuesFromContractsWithCustomersInvestments" xlink:label="uhal_RevenuesFromContractsWithCustomersInvestments"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Revenues" xlink:to="uhal_RevenuesFromContractsWithCustomersInvestments" order="4.0" weight="1.0"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/LeasesComponentsOfLeaseExpenseDetails">
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_FinanceLeaseCost" xlink:label="uhal_FinanceLeaseCost"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinanceLeaseRightOfUseAssetAmortization" xlink:label="us-gaap_FinanceLeaseRightOfUseAssetAmortization"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_FinanceLeaseCost" xlink:to="us-gaap_FinanceLeaseRightOfUseAssetAmortization" order="1.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinanceLeaseInterestExpense" xlink:label="us-gaap_FinanceLeaseInterestExpense"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_FinanceLeaseCost" xlink:to="us-gaap_FinanceLeaseInterestExpense" order="2.0" weight="1.0"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/LeasesMaturitiesOfLeaseLiabilitiesDetails">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinanceLeaseLiabilityPaymentsDue" xlink:label="FinanceLeaseLiabilityPaymentsDue" xlink:title="FinanceLeaseLiabilityPaymentsDue"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinanceLeaseLiabilityPaymentsDueNextTwelveMonths" xlink:label="FinanceLeaseLiabilityPaymentsDueNextTwelveMonths" xlink:title="FinanceLeaseLiabilityPaymentsDueNextTwelveMonths"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FinanceLeaseLiabilityPaymentsDue" xlink:to="FinanceLeaseLiabilityPaymentsDueNextTwelveMonths" xlink:title="calculation: FinanceLeaseLiabilityPaymentsDue to FinanceLeaseLiabilityPaymentsDueNextTwelveMonths" order="1.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinanceLeaseLiabilityPaymentsDueYearTwo" xlink:label="FinanceLeaseLiabilityPaymentsDueYearTwo" xlink:title="FinanceLeaseLiabilityPaymentsDueYearTwo"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FinanceLeaseLiabilityPaymentsDue" xlink:to="FinanceLeaseLiabilityPaymentsDueYearTwo" xlink:title="calculation: FinanceLeaseLiabilityPaymentsDue to FinanceLeaseLiabilityPaymentsDueYearTwo" order="2.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinanceLeaseLiabilityPaymentsDueYearThree" xlink:label="FinanceLeaseLiabilityPaymentsDueYearThree" xlink:title="FinanceLeaseLiabilityPaymentsDueYearThree"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FinanceLeaseLiabilityPaymentsDue" xlink:to="FinanceLeaseLiabilityPaymentsDueYearThree" xlink:title="calculation: FinanceLeaseLiabilityPaymentsDue to FinanceLeaseLiabilityPaymentsDueYearThree" order="3.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinanceLeaseLiabilityPaymentsDueYearFour" xlink:label="FinanceLeaseLiabilityPaymentsDueYearFour" xlink:title="FinanceLeaseLiabilityPaymentsDueYearFour"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FinanceLeaseLiabilityPaymentsDue" xlink:to="FinanceLeaseLiabilityPaymentsDueYearFour" xlink:title="calculation: FinanceLeaseLiabilityPaymentsDue to FinanceLeaseLiabilityPaymentsDueYearFour" order="4.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinanceLeaseLiabilityPaymentsDueYearFive" xlink:label="FinanceLeaseLiabilityPaymentsDueYearFive" xlink:title="FinanceLeaseLiabilityPaymentsDueYearFive"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FinanceLeaseLiabilityPaymentsDue" xlink:to="FinanceLeaseLiabilityPaymentsDueYearFive" xlink:title="calculation: FinanceLeaseLiabilityPaymentsDue to FinanceLeaseLiabilityPaymentsDueYearFive" order="5.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinanceLeaseLiabilityPaymentsDueAfterYearFive" xlink:label="FinanceLeaseLiabilityPaymentsDueAfterYearFive" xlink:title="FinanceLeaseLiabilityPaymentsDueAfterYearFive"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FinanceLeaseLiabilityPaymentsDue" xlink:to="FinanceLeaseLiabilityPaymentsDueAfterYearFive" xlink:title="calculation: FinanceLeaseLiabilityPaymentsDue to FinanceLeaseLiabilityPaymentsDueAfterYearFive" order="6.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:label="LesseeOperatingLeaseLiabilityPaymentsDue" xlink:title="LesseeOperatingLeaseLiabilityPaymentsDue"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths" xlink:label="LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths" xlink:title="LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths" xlink:title="calculation: LesseeOperatingLeaseLiabilityPaymentsDue to LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths" order="1.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" xlink:label="LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" xlink:title="LesseeOperatingLeaseLiabilityPaymentsDueYearTwo"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" xlink:title="calculation: LesseeOperatingLeaseLiabilityPaymentsDue to LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" order="2.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:label="LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:title="LesseeOperatingLeaseLiabilityPaymentsDueYearThree"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:title="calculation: LesseeOperatingLeaseLiabilityPaymentsDue to LesseeOperatingLeaseLiabilityPaymentsDueYearThree" order="3.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:label="LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:title="LesseeOperatingLeaseLiabilityPaymentsDueYearFour"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:title="calculation: LesseeOperatingLeaseLiabilityPaymentsDue to LesseeOperatingLeaseLiabilityPaymentsDueYearFour" order="4.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive" xlink:label="LesseeOperatingLeaseLiabilityPaymentsDueYearFive" xlink:title="LesseeOperatingLeaseLiabilityPaymentsDueYearFive"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="LesseeOperatingLeaseLiabilityPaymentsDueYearFive" xlink:title="calculation: LesseeOperatingLeaseLiabilityPaymentsDue to LesseeOperatingLeaseLiabilityPaymentsDueYearFive" order="5.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive" xlink:label="LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive" xlink:title="LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive" xlink:title="calculation: LesseeOperatingLeaseLiabilityPaymentsDue to LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive" order="6.0" weight="1.0"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/StatementOfFinancialPosition">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Assets" xlink:label="us-gaap_Assets"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_SubtotalAssets" xlink:label="uhal_SubtotalAssets"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="uhal_SubtotalAssets" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_SubtotalAssets" xlink:to="us-gaap_CashAndCashEquivalentsAtCarryingValue" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_ReinsuranceRecoverablesAndTradeReceivablesNet" xlink:label="uhal_ReinsuranceRecoverablesAndTradeReceivablesNet"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_SubtotalAssets" xlink:to="uhal_ReinsuranceRecoverablesAndTradeReceivablesNet" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InventoryNet" xlink:label="us-gaap_InventoryNet"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_SubtotalAssets" xlink:to="us-gaap_InventoryNet" use="optional" order="3.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherPrepaidExpenseCurrent" xlink:label="us-gaap_OtherPrepaidExpenseCurrent"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_SubtotalAssets" xlink:to="us-gaap_OtherPrepaidExpenseCurrent" use="optional" order="4.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MarketableSecurities" xlink:label="us-gaap_MarketableSecurities"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_SubtotalAssets" xlink:to="us-gaap_MarketableSecurities" use="optional" order="5.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Investments" xlink:label="us-gaap_Investments"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_SubtotalAssets" xlink:to="us-gaap_Investments" use="optional" order="6.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCostsAndValueOfBusinessAcquired" xlink:label="us-gaap_DeferredPolicyAcquisitionCostsAndValueOfBusinessAcquired"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_SubtotalAssets" xlink:to="us-gaap_DeferredPolicyAcquisitionCostsAndValueOfBusinessAcquired" use="optional" order="7.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DepositsAssets" xlink:label="us-gaap_DepositsAssets"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_SubtotalAssets" xlink:to="us-gaap_DepositsAssets" use="optional" order="8.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DueFromRelatedParties" xlink:label="us-gaap_DueFromRelatedParties"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_SubtotalAssets" xlink:to="us-gaap_DueFromRelatedParties" use="optional" order="11.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeaseRightOfUseAsset" xlink:label="us-gaap_OperatingLeaseRightOfUseAsset"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_SubtotalAssets" xlink:to="us-gaap_OperatingLeaseRightOfUseAsset" order="9.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DepositsAssetsCurrent" xlink:label="us-gaap_DepositsAssetsCurrent"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_SubtotalAssets" xlink:to="us-gaap_DepositsAssetsCurrent" order="10.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="us-gaap_PropertyPlantAndEquipmentNet"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_PropertyPlantAndEquipmentNet" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross" xlink:label="us-gaap_PropertyPlantAndEquipmentGross"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_PropertyPlantAndEquipmentNet" xlink:to="us-gaap_PropertyPlantAndEquipmentGross" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Land" xlink:label="us-gaap_Land"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_PropertyPlantAndEquipmentGross" xlink:to="us-gaap_Land" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BuildingsAndImprovementsGross" xlink:label="us-gaap_BuildingsAndImprovementsGross"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_PropertyPlantAndEquipmentGross" xlink:to="us-gaap_BuildingsAndImprovementsGross" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FurnitureAndFixturesGross" xlink:label="us-gaap_FurnitureAndFixturesGross"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_PropertyPlantAndEquipmentGross" xlink:to="us-gaap_FurnitureAndFixturesGross" use="optional" order="3.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertySubjectToOrAvailableForOperatingLeaseGross" xlink:label="us-gaap_PropertySubjectToOrAvailableForOperatingLeaseGross"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_PropertyPlantAndEquipmentGross" xlink:to="us-gaap_PropertySubjectToOrAvailableForOperatingLeaseGross" use="optional" order="4.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_PropertyPlantAndEquipmentNet" xlink:to="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" use="optional" order="2.0" weight="-1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Liabilities" xlink:label="us-gaap_Liabilities"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_Liabilities" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xlink:label="us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtAndCapitalLeaseObligations" xlink:label="us-gaap_DebtAndCapitalLeaseObligations"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_DebtAndCapitalLeaseObligations" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense" use="optional" order="4.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilityForFuturePolicyBenefitsIndividualAndGroupAnnuitiesAndSupplementaryContracts" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitsIndividualAndGroupAnnuitiesAndSupplementaryContracts"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitsIndividualAndGroupAnnuitiesAndSupplementaryContracts" use="optional" order="5.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PolicyholderFunds" xlink:label="us-gaap_PolicyholderFunds"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_PolicyholderFunds" use="optional" order="6.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredRevenue" xlink:label="us-gaap_DeferredRevenue"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_DeferredRevenue" use="optional" order="7.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredIncomeTaxLiabilitiesNet" xlink:label="us-gaap_DeferredIncomeTaxLiabilitiesNet"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_DeferredIncomeTaxLiabilitiesNet" order="8.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeaseLiabilityCurrent" xlink:label="us-gaap_OperatingLeaseLiabilityCurrent"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_OperatingLeaseLiabilityCurrent" order="3.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="us-gaap_StockholdersEquity"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_StockholdersEquity" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PreferredStockValue" xlink:label="us-gaap_PreferredStockValue"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_PreferredStockValue" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockValue" xlink:label="us-gaap_CommonStockValue"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_CommonStockValue" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdditionalPaidInCapital" xlink:label="us-gaap_AdditionalPaidInCapital"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_AdditionalPaidInCapital" use="optional" order="3.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" use="optional" order="4.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_RetainedEarningsAccumulatedDeficit" use="optional" order="5.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TreasuryStockValue" xlink:label="us-gaap_TreasuryStockValue"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_TreasuryStockValue" use="optional" order="6.0" weight="-1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_UnearnedESOPShares" xlink:label="us-gaap_UnearnedESOPShares"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_UnearnedESOPShares" use="optional" order="7.0" weight="-1"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/InvestmentsAvailableForSaleInvestmentsDetails">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesAmortizedCost"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate" xlink:to="us-gaap_AvailableForSaleSecuritiesAmortizedCost" order="1.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_GrossUnrealizedGains" xlink:label="uhal_GrossUnrealizedGains"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate" xlink:to="uhal_GrossUnrealizedGains" order="2.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_AvailableForSaleInvestmentsContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:label="uhal_AvailableForSaleInvestmentsContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate" xlink:to="uhal_AvailableForSaleInvestmentsContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" order="3.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_AvailableForSaleInvestmentsContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:label="uhal_AvailableForSaleInvestmentsContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate" xlink:to="uhal_AvailableForSaleInvestmentsContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" order="4.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossCurrent" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossCurrent"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate" xlink:to="us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossCurrent" order="5.0" weight="-1.0"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/InvestmentsAdjustedCostAndEstimatedMarketValueOfAvailableForSaleInvestmentsDetails">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesAmortizedCost"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" use="optional" order="3.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" use="optional" order="4.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleEquitySecuritiesAmortizedCostBasis" xlink:label="us-gaap_AvailableForSaleEquitySecuritiesAmortizedCostBasis"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AvailableForSaleEquitySecuritiesAmortizedCostBasis" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" order="1.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AvailableForSaleEquitySecuritiesAmortizedCostBasis" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" order="2.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AvailableForSaleEquitySecuritiesAmortizedCostBasis" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" order="3.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AvailableForSaleEquitySecuritiesAmortizedCostBasis" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" order="4.0" weight="1.0"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/NetInvestmentAndInterestIncomeDetails">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InvestmentIncomeInterestAndDividend" xlink:label="us-gaap_InvestmentIncomeInterestAndDividend"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetInvestmentIncome" xlink:label="us-gaap_NetInvestmentIncome"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_InvestmentIncomeInterestAndDividend" xlink:to="us-gaap_NetInvestmentIncome" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InvestmentIncomeInvestmentExpense" xlink:label="us-gaap_InvestmentIncomeInvestmentExpense"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_InvestmentIncomeInterestAndDividend" xlink:to="us-gaap_InvestmentIncomeInvestmentExpense" use="optional" order="2.0" weight="-1"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_InvestmentIncomeRelatedParty" xlink:label="uhal_InvestmentIncomeRelatedParty"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_InvestmentIncomeInterestAndDividend" xlink:to="uhal_InvestmentIncomeRelatedParty" use="optional" order="3.0" weight="1"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/BorrowingsLongTermDebtDetails">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtAndCapitalLeaseObligations" xlink:label="us-gaap_DebtAndCapitalLeaseObligations"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesAndLoansPayable" xlink:label="us-gaap_NotesAndLoansPayable"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DebtAndCapitalLeaseObligations" xlink:to="us-gaap_NotesAndLoansPayable" order="1.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredFinanceCostsNet" xlink:label="us-gaap_DeferredFinanceCostsNet"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DebtAndCapitalLeaseObligations" xlink:to="us-gaap_DeferredFinanceCostsNet" order="2.0" weight="-1.0"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/FairValueMeasurementsFinancialInstrumentsLevelWithinTheFairValueHierarchyDetails">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssetsFairValueDisclosure" xlink:label="us-gaap_AssetsFairValueDisclosure"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TradingSecurities" xlink:label="us-gaap_TradingSecurities"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsFairValueDisclosure" xlink:to="us-gaap_TradingSecurities" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="us-gaap_AvailableForSaleSecurities"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsFairValueDisclosure" xlink:to="us-gaap_AvailableForSaleSecurities" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_CommonStockFairValueDisclosure" xlink:label="uhal_CommonStockFairValueDisclosure"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsFairValueDisclosure" xlink:to="uhal_CommonStockFairValueDisclosure" use="optional" order="4.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_PreferredStockFairValueDisclosure" xlink:label="uhal_PreferredStockFairValueDisclosure"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsFairValueDisclosure" xlink:to="uhal_PreferredStockFairValueDisclosure" use="optional" order="3.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestRateDerivativeAssetsAtFairValue" xlink:label="us-gaap_InterestRateDerivativeAssetsAtFairValue"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsFairValueDisclosure" xlink:to="us-gaap_InterestRateDerivativeAssetsAtFairValue" use="optional" order="5.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosure" xlink:label="us-gaap_LiabilitiesFairValueDisclosure"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GuaranteesFairValueDisclosure" xlink:label="us-gaap_GuaranteesFairValueDisclosure"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesFairValueDisclosure" xlink:to="us-gaap_GuaranteesFairValueDisclosure" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestRateFairValueHedgeLiabilityAtFairValue" xlink:label="us-gaap_InterestRateFairValueHedgeLiabilityAtFairValue"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesFairValueDisclosure" xlink:to="us-gaap_InterestRateFairValueHedgeLiabilityAtFairValue" use="optional" order="2.0" weight="1"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/ReinsuranceAndPolicyBenefitsAndLossesClaimsAndLossExpensesPayableInsuranceSubsidiariesActivityDetails">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PremiumsEarnedNet" xlink:label="us-gaap_PremiumsEarnedNet" xlink:title="PremiumsEarnedNet"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DirectPremiumsEarned" xlink:label="us-gaap_DirectPremiumsEarned" xlink:title="DirectPremiumsEarned"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_PremiumsEarnedNet" xlink:to="us-gaap_DirectPremiumsEarned" order="1.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_CededPremiumsEarnedUnearned" xlink:label="uhal_CededPremiumsEarnedUnearned"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_PremiumsEarnedNet" xlink:to="uhal_CededPremiumsEarnedUnearned" order="2.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_AssumedPremiumsEarnedUnearned" xlink:label="uhal_AssumedPremiumsEarnedUnearned"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_PremiumsEarnedNet" xlink:to="uhal_AssumedPremiumsEarnedUnearned" order="3.0" weight="1.0"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/ReinsuranceAndPolicyBenefitsAndLossesClaimsAndLossExpensesPayablePropertyAndCasualtyInsuranceDetails">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ReinsurancePayable" xlink:label="us-gaap_ReinsurancePayable"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense" xlink:to="us-gaap_ReinsurancePayable" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense" xlink:label="us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense" xlink:title="LiabilityForClaimsAndClaimsAdjustmentExpense"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense" xlink:to="us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense" order="1.0" weight="1.0"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/ReinsuranceAndPolicyBenefitsAndLossesClaimsAndLossExpensesPayableLiabilityUnpaidLossesAdjustmentExpensesPropertyCasualtyDetails">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsForLossesAndLossAdjustmentExpense" xlink:label="us-gaap_PaymentsForLossesAndLossAdjustmentExpense"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1" xlink:label="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_PaymentsForLossesAndLossAdjustmentExpense" xlink:to="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1" xlink:label="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_PaymentsForLossesAndLossAdjustmentExpense" xlink:to="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1" xlink:label="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense" xlink:label="us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1" xlink:to="us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense" xlink:label="us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1" xlink:to="us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet" xlink:label="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ReinsuranceRecoverables" xlink:label="us-gaap_ReinsuranceRecoverables"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet" xlink:to="us-gaap_ReinsuranceRecoverables" use="optional" order="1.0" weight="-1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense" xlink:label="us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet" xlink:to="us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense" order="2.0" weight="1"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/RelatedPartyTransactionsRelatedPartyCostsAndExpensesDetails">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CostsAndExpensesRelatedParty" xlink:label="us-gaap_CostsAndExpensesRelatedParty"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeasesRentExpenseNet" xlink:label="us-gaap_OperatingLeasesRentExpenseNet"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CostsAndExpensesRelatedParty" xlink:to="us-gaap_OperatingLeasesRentExpenseNet" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherGeneralAndAdministrativeExpense" xlink:label="us-gaap_OtherGeneralAndAdministrativeExpense"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CostsAndExpensesRelatedParty" xlink:to="us-gaap_OtherGeneralAndAdministrativeExpense" use="optional" order="2.0" weight="1"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/RelatedPartyTransactionsRelatedPartyAssetsDetails">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DueFromRelatedParties" xlink:label="us-gaap_DueFromRelatedParties"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableRelatedParties" xlink:label="us-gaap_NotesReceivableRelatedParties"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DueFromRelatedParties" xlink:to="us-gaap_NotesReceivableRelatedParties" use="optional" order="1.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestReceivable" xlink:label="us-gaap_InterestReceivable"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DueFromRelatedParties" xlink:to="us-gaap_InterestReceivable" use="optional" order="2.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherReceivables" xlink:label="us-gaap_OtherReceivables"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DueFromRelatedParties" xlink:to="us-gaap_OtherReceivables" use="optional" order="3.0" weight="1"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_TimingDifferenceInsuranceSubsidiaries" xlink:label="uhal_TimingDifferenceInsuranceSubsidiaries"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DueFromRelatedParties" xlink:to="uhal_TimingDifferenceInsuranceSubsidiaries" use="optional" order="4.0" weight="1"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/FairValueMeasurementsFinancialInstrumentsCarryingEstimatedValuesWithinFairValueHierarchyDetails">
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_AssetsFairValueCarryingValue" xlink:label="uhal_AssetsFairValueCarryingValue"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_ReinsuranceRecoverablesAndTradeReceivablesNet" xlink:label="uhal_ReinsuranceRecoverablesAndTradeReceivablesNet"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_AssetsFairValueCarryingValue" xlink:to="uhal_ReinsuranceRecoverablesAndTradeReceivablesNet" use="optional" order="1.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherLongTermInvestments" xlink:label="us-gaap_OtherLongTermInvestments"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_AssetsFairValueCarryingValue" xlink:to="us-gaap_OtherLongTermInvestments" order="3.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansReceivableFairValueDisclosure" xlink:label="LoansReceivableFairValueDisclosure" xlink:title="LoansReceivableFairValueDisclosure"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_AssetsFairValueCarryingValue" xlink:to="LoansReceivableFairValueDisclosure" xlink:title="calculation: AssetsFairValueCarryingValue to LoansReceivableFairValueDisclosure" order="2.0" weight="1.0"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://amerco.com/role/LeasesComponentsRightOfUseAssetsDetails">
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_FinanceLeaseRightOfUseAssetNet" xlink:label="uhal_FinanceLeaseRightOfUseAssetNet"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertySubjectToOrAvailableForOperatingLeaseAccumulatedDepreciation" xlink:label="us-gaap_PropertySubjectToOrAvailableForOperatingLeaseAccumulatedDepreciation"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_FinanceLeaseRightOfUseAssetNet" xlink:to="us-gaap_PropertySubjectToOrAvailableForOperatingLeaseAccumulatedDepreciation" order="1.0" weight="-1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_RightOfUseAssetsGross" xlink:label="uhal_RightOfUseAssetsGross"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_FinanceLeaseRightOfUseAssetNet" xlink:to="uhal_RightOfUseAssetsGross" order="2.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_RightOfUseAssetsBuildingImprovements" xlink:label="uhal_RightOfUseAssetsBuildingImprovements"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_RightOfUseAssetsGross" xlink:to="uhal_RightOfUseAssetsBuildingImprovements" order="1.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_RightOfUseAssetsFurnitureEquipment" xlink:label="uhal_RightOfUseAssetsFurnitureEquipment"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_RightOfUseAssetsGross" xlink:to="uhal_RightOfUseAssetsFurnitureEquipment" order="2.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_RightOfUseAssetsRentalEquipment" xlink:label="uhal_RightOfUseAssetsRentalEquipment"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_RightOfUseAssetsGross" xlink:to="uhal_RightOfUseAssetsRentalEquipment" order="3.0" weight="1.0"/>
    <loc xlink:type="locator" xlink:href="uhal-20220331.xsd#uhal_RightOfUseAssetsRentalTrucks" xlink:label="uhal_RightOfUseAssetsRentalTrucks"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="uhal_RightOfUseAssetsGross" xlink:to="uhal_RightOfUseAssetsRentalTrucks" order="4.0" weight="1.0"/>
  </calculationLink>
</linkbase>
