diff --git a/core/templates/core/payroll_dashboard.html b/core/templates/core/payroll_dashboard.html
index c819866..3e36a0b 100644
--- a/core/templates/core/payroll_dashboard.html
+++ b/core/templates/core/payroll_dashboard.html
@@ -30,15 +30,39 @@
         {# --- Left column: stat cards --- #}
         <div class="col-xl-7">
             <div class="row g-3 h-100">
-                {# Outstanding Total #}
+                {# Outstanding Total — with breakdown of wages vs adjustments #}
                 <div class="col-sm-6">
                     <div class="card stat-card h-100 py-2">
                         <div class="card-body">
-                            <div class="d-flex align-items-center justify-content-between">
+                            <div class="d-flex align-items-start justify-content-between">
                                 <div>
                                     <div class="text-xs font-weight-bold text-uppercase mb-1" style="color: #ef4444;">
                                         Outstanding Payments</div>
                                     <div class="h5 mb-0 font-weight-bold text-gray-800">R {{ outstanding_total|floatformat:2 }}</div>
+                                    {# === BREAKDOWN — only shown when there are pending adjustments === #}
+                                    {% if pending_adj_add_total or pending_adj_sub_total %}
+                                    <div class="mt-2 pt-2 border-top" style="font-size: 0.75rem; color: #64748b;">
+                                        <div class="d-flex justify-content-between">
+                                            <span>Unpaid wages</span>
+                                            <span>R {{ unpaid_wages_total|floatformat:2 }}</span>
+                                        </div>
+                                        {% if pending_adj_add_total %}
+                                        <div class="d-flex justify-content-between">
+                                            <span>+ Additions</span>
+                                            <span class="text-success">R {{ pending_adj_add_total|floatformat:2 }}</span>
+                                        </div>
+                                        {% endif %}
+                                        {% if pending_adj_sub_total %}
+                                        <div class="d-flex justify-content-between">
+                                            <span>- Deductions</span>
+                                            <span class="text-danger">-R {{ pending_adj_sub_total|floatformat:2 }}</span>
+                                        </div>
+                                        {% endif %}
+                                    </div>
+                                    {% endif %}
+                                    <div class="mt-1" style="font-size: 0.65rem; color: #94a3b8;">
+                                        <i class="fas fa-info-circle"></i> Loan repayments deducted at payment time
+                                    </div>
                                 </div>
                                 <i class="fas fa-exclamation-circle fa-2x text-danger opacity-25"></i>
                             </div>
diff --git a/core/views.py b/core/views.py
index f2596d4..29c4eb1 100644
--- a/core/views.py
+++ b/core/views.py
@@ -781,6 +781,10 @@ def payroll_dashboard(request):
 
     workers_data = []
     outstanding_total = Decimal('0.00')
+    # === OUTSTANDING BREAKDOWN (same as home dashboard) ===
+    unpaid_wages_total = Decimal('0.00')         # Pure daily rates for unpaid workers
+    pending_adj_add_total = Decimal('0.00')      # Unpaid additive adjustments
+    pending_adj_sub_total = Decimal('0.00')      # Unpaid deductive adjustments
     all_ot_data = []  # For the Price Overtime modal
 
     for worker in active_workers:
@@ -817,11 +821,15 @@ def payroll_dashboard(request):
         # Calculate net adjustment amount
         pending_adjs = worker.pending_adjustments_list
         adj_total = Decimal('0.00')
+        worker_adj_add = Decimal('0.00')
+        worker_adj_sub = Decimal('0.00')
         for adj in pending_adjs:
             if adj.type in ADDITIVE_TYPES:
                 adj_total += adj.amount
+                worker_adj_add += adj.amount
             elif adj.type in DEDUCTIVE_TYPES:
                 adj_total -= adj.amount
+                worker_adj_sub += adj.amount
 
         total_payable = log_amount + adj_total
 
@@ -839,6 +847,9 @@ def payroll_dashboard(request):
                 'day_rate': float(worker.daily_rate),
             })
             outstanding_total += max(total_payable, Decimal('0.00'))
+            unpaid_wages_total += log_amount
+            pending_adj_add_total += worker_adj_add
+            pending_adj_sub_total += worker_adj_sub
 
     # --- Payment history ---
     paid_records = PayrollRecord.objects.select_related(
@@ -1059,6 +1070,9 @@ def payroll_dashboard(request):
         'workers_data': workers_data,
         'paid_records': paid_records,
         'outstanding_total': outstanding_total,
+        'unpaid_wages_total': unpaid_wages_total,
+        'pending_adj_add_total': pending_adj_add_total,
+        'pending_adj_sub_total': pending_adj_sub_total,
         'recent_payments_total': recent_payments_total,
         'outstanding_project_costs': outstanding_project_costs,
         'active_tab': status_filter,