盘算 (pán suan): to plot; to scheme; to calculate

She sat on the sofa calculating this month's expenses and realized that if she stopped buying clothes, she could save enough money to travel.

While drinking coffee, he was figuring out how to ask his boss for a raise without making his boss think he was too greedy.

The team coach is plotting the tactics for the second half, considering whether to bring on a faster forward.

She was mentally weighing whether to invite Xiao Wang to the weekend party, because Xiao Wang and Xiao Li had recently had a falling-out.

He calculated the distance and figured that if he set off now, he would just make it to that small village before dark.