To *calculate* is to compute, by figuring out a mathematical equation or a situation. You can *calculate* your monthly student loan payments, or *calculate* the risk of not paying them on time.

*Calculate* derives from the Latin word for "count." When you calculate, you either count something up or calculate on something happening. You might be able to calculate the answer to a simple equation in your head but need a calculator to figure out a more complex problem. And when someone is *calculating*, they are scheming or conniving, always figuring out the fastest way to get ahead.