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As of 2015, the average savings account rate is 0.17 percent, according to U.S. News and World Reports. However, consumers who shop around are often able to find opportunities to earn more on their savings.

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Bankrate publishes a list of the savings accounts offered by banks that have the highest interest rates. As of July 30, 2015, Synchrony Bank's interest rate of 1.05 percent is the highest rate on a savings account without minimum deposit. Credit unions tend to have high-yield savings accounts, recom

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To calculate interest, multiply the periodic interest rate by the principle amount. For example, if you borrowed $1000 with an interest rate of 10 percent, in a year your interest paid is $100.

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A simple interest calculator figures out the amount of interest that is earned and added to an initial investment amount. To calculate the interest amount, a person must provide the interest amount, interest rate and period of investment. The calculator does the math and displays the total amount of

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To calculate earnings per share, evaluate the total income generated by the company and the number of shares issued. Subtract dividend paid from net income, and divide by the average number of outstanding shares.

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As of June 2015, personal savings account interest rates are averaging 1 percent per year, according to MoneyRates.com. This means that an individual receives 1 percent of the total he has deposited in a particular account for the entire year.

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Consumers seeking the best interest rates on bank savings accounts should look at banks offering online savings accounts. Although annual percentage yield earnings on savings account deposits change frequently, on average, online savings accounts outperform traditional accounts offered at brick-and-

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Compound interest in a savings account accelerates interest earnings by paying interest on the portion of the account balance made up of previously earned interest. Interest in a savings account accrues at a rate that varies among banks and may compound daily or monthly.

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Real interest rate is calculated by adjusting for the effects of inflation when compared to the nominal interest rate. The calculation formula is simple, as it only requires subtracting the rate of inflation from the nominal interest rate. The value left after subtraction is the real interest rate.

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The formula for earned value is EV = PC x BAC, in which EV stands for the earned value, PC is the percent complete and BAC is the budget at completion. This formula determines what the estimated value of a project is at different points prior to its completion.