To form an opinion or conclude through reasoning.

निर्णय लेना

English Usage: I am figuring that we will arrive by noon.

Hindi Usage: मैं निर्णय ले रहा हूँ कि हम दोपहर तक पहुंचेंगे।

The act of calculations or working out a solution.

गणना करना

English Usage: Figuring out the total cost took longer than expected.

Hindi Usage: कुल लागत का गणना करना अपेक्षा से अधिक समय लगा।