It really depends who you ask.
For example in some cat associations, calico is not a recognized color so any tri-colored cat is either tortie or torbie (or sometimes torbie is called "patched tabby" in some associations)... So in some places, your cat may be called a tortie no matter what their markings look like, if they have white they would be called tortie and white. For example in TICA, if I remember right they do not use the term calico.