The PAYG Instalments section in ChangeGPS Tax Plan calculates the client's Pay As You Go (PAYG) instalment obligations and projects their tax payment schedule over 18 months — covering the current financial year and the first six months of the following financial year. To use this section, enter the PAYG withholding and instalment amounts the client has already paid in the current financial year, along with any franking credits, research and development (R&D) tax credits, and other tax offsets. Tax Plan then calculates the estimated tax payable at 30 June and projects when future PAYG instalments will fall due. This section is particularly valuable for clients who want to understand their upcoming cash flow obligations and avoid a large unexpected tax bill at year end.