A 5th AP course in Calc for someone who is not strong in Math could cause workload issues. But not taking math each year in high school could be an issue with colleges (and usually HS - it’s not required to graduate?).
Are those the only options you have left? Maybe the financial algebra class as a Junior, to avoid overload, then Calc as a Senior if workload isn’t as bad and it won’t affect your GPA as much for college admissions if it’s a challenge.
You’ve already skipped a year, so this seems to be a moot point. you should do some refresher at the end of the summer whenever you take it.