How hard is calculus for a kid who isn't mathy but is generally very bright?
When I took it, a million years ago before AP tests, I had a good teacher, took calc concurrent with trig, and high school calc wasn't particularly hard. Then I spent a year abroad, and essentially had a math-free year.
And for some reason, when I went to college, I figured that I still remembered all that math, so started at Calc II (2nd semester of the 2-semester univariate calc course), and the next term went on to Calc III (multivariate). Same grade in both classes, which I suspect was slightly below the class average, but I felt like I was keeping up in Calc II and was totally lost and bewildered in Calc III.
So my vote would be "not that hard." I struggled much more with physics than with calc.