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While headstrong and often acting without thinking, Naruto's years as a prankster had given him a cunning imagination that was useful in split-second decision making, which has repeatedly proved invaluable in battle. He is a remarkable tactile learner, able to learn better through executing a task rather than understanding the theory of it. Once seen in action, even the likes of the Second Hokage revise their thoughts about Naruto's intellect and instinct in battle. After meeting Hagoromo, Naruto gained the innate ability to grasp the nature of chakra and comprehend all universal things, allowing him to quickly master the new powers he received. By adulthood he had become a capable teacher, instructing students at Konoha's Ninja Academy. During his fight with Delta, Naruto showed his ability to think ahead by hiding his power and faking defeat in order to make Delta drop her guard and reveal her plans, although Delta was perceptive enough to see through his attempts. Naruto ultimately was able to find out the weakness of Delta's Shinobi-Wareabsorbing eye and overtax it after seeing it in action repeatedly.

Naruto's most famous mental skill is to deceive his opponents, as he made effective use of even the most simple techniques to trick the deadliest of opponents. He could formulate multi-step plans or backup plans in the thick of battle, and act quickly even when given new information. He can also seemingly make himself predictable by creating a pattern, only to throw off his opponent by breaking it. He has even thrown in what others would call completely useless techniques at powerful opponents to create an opening for a counterattack. Naruto is rather observant, able to notice details others may overlook and subsequently take advantage of them to overcome his opponents. As an adult, Naruto proved to be a capable teacher in ninjutsu, quickly teaching the basics to Kawaki.