diff --git a/austax/__init__.py b/austax/__init__.py
index b85fa16..fbe5315 100644
--- a/austax/__init__.py
+++ b/austax/__init__.py
@@ -16,7 +16,8 @@
 
 from flask import render_template
 
-from drcr.models import Posting, Transaction
+from drcr.models import AccountConfiguration, Posting, Transaction, TrialBalancer
+from drcr.database import db
 import drcr.plugins
 from drcr.webapp import app
 
@@ -31,6 +32,7 @@ def plugin_init():
 	drcr.plugins.account_kinds.append(('austax.income5', 'Australian Government allowances and payments (5)'))
 	drcr.plugins.account_kinds.append(('austax.d4', 'Work-related self-education expenses (D4)'))
 	drcr.plugins.account_kinds.append(('austax.d5', 'Other work-related expenses (D5)'))
+	drcr.plugins.account_kinds.append(('austax.paygw', 'PAYG withheld amounts'))
 	
 	drcr.plugins.transaction_providers.append(make_tax_transactions)
 
@@ -48,11 +50,37 @@ def make_tax_transactions():
 	if dt < datetime.now():
 		dt = dt.replace(year=dt.year + 1)
 	
-	return [Transaction(
+	# Estimated tax payable
+	transactions = [Transaction(
 		dt=dt,
-		description='Estimated tax payable',
+		description='Estimated income tax',
 		postings=[
 			Posting(account='Income Tax', quantity=tax_amount.quantity, commodity='$'),
 			Posting(account='Income Tax Control', quantity=-tax_amount.quantity, commodity='$')
 		]
 	)]
+	
+	# Get trial balance
+	balancer = TrialBalancer()
+	balancer.apply_transactions(db.session.scalars(db.select(Transaction).options(db.selectinload(Transaction.postings))).all())
+	
+	accounts = dict(sorted(balancer.accounts.items()))
+	
+	# Get account configurations
+	account_configurations = AccountConfiguration.get_all_kinds()
+	
+	# PAYG withholding
+	for account_name, kinds in account_configurations.items():
+		if 'austax.paygw' in kinds:
+			if accounts[account_name].quantity != 0:
+				# Transfer balance to Income Tax Control
+				transactions.append(Transaction(
+					dt=dt,
+					description='PAYG withheld amounts',
+					postings=[
+						Posting(account='Income Tax Control', quantity=accounts[account_name].quantity, commodity='$'),
+						Posting(account=account_name, quantity=-accounts[account_name].quantity, commodity='$')
+					]
+				))
+	
+	return transactions
diff --git a/austax/reports.py b/austax/reports.py
index 5f66251..def779f 100644
--- a/austax/reports.py
+++ b/austax/reports.py
@@ -89,24 +89,37 @@ def tax_summary_report():
 				),
 				Spacer(),
 				Calculated(
-					'Taxable income',
+					'Net taxable income',
 					lambda r: r.by_id('assessable').amount - r.by_id('deductions').amount,
 					id='taxable',
 					heading=True,
 					bordered=True
 				),
+				Spacer(),
 				Section(
 					entries=[
 						Calculated(
-							'Income tax',
+							'Base income tax',
 							lambda _: base_income_tax(report.by_id('taxable').amount)
 						),
 						Calculated(
 							'Medicare levy',
 							lambda _: medicare_levy(report.by_id('taxable').amount)
 						),
-						Subtotal(id='total_tax', visible=False)
+						Subtotal('Total income tax', id='total_tax', bordered=True)
 					]
+				),
+				Spacer(),
+				Section(
+					title='PAYG withheld amounts',
+					entries=entries_for_kind(account_configurations, accounts, 'austax.paygw') + [Subtotal('Total withheld amounts', id='paygw')]
+				),
+				Spacer(),
+				Calculated(
+					'Income tax payable (refundable)',
+					lambda _: report.by_id('total_tax').amount - report.by_id('paygw').amount,
+					heading=True,
+					bordered=True
 				)
 			]
 		)