Open a command console, enter your project directory and execute the following command to install dependencies :
$ composer install
This command requires you to have Composer installed globally, as explained
in the installation chapter
_ of the Composer documentation.
$ src/app.php app:payment
$ src/app.php app:capacity
For calculation bank uses generally : rate / 12. But normal rate is more complex calculation : (1 + rate)^1/12 - 1
With commands you can choice the rate which must be used !