Tired of inaccurate financial information?

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Setup, Training & Review

Spending too much time to find the right app?

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Outsourced CFO

Need help in understanding financials?

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Accountants Webinars

Future Webinars

Future Proof - Reporting


Accountants Training

On-Demand Webinars

Sum and Substance helps business owners with seamless solutions to day-to-day accounting and bookkeeping needs. We help you grow your business and touch the summit of success.

Are you finding it difficult to manage your business books? Then Sum and Substance is your reliable friend to help with this crucial responsibility. Not only will we fulfil your statutory accounting needs, but we will also look after the administrative issues and paperwork with utmost sincerity and dedication.

Sum and Substance aims to help you save time and money whilst you follow your passion.


Sum and Substance Accounting, operated by Neha is a rare find. Neha is the most professional and efficient accountant I have worked with. She gives me comfort knowing that everything is done accurately and on time. She has my best interests at heart and I really want to keep her a secret as she is…

Marisa, Forensic Healing



“When I decided to make the long overdue change from spreadsheets and hand written chart of accounts, Neha set up Xero, customised it to suit my line of work, trained me patiently and helped me to understand how Xero would make my job easier, allowing me more time on the tools and less time lost…

Jarrod O’Meara, Firstline Plumbing Services



As my business grew, I found myself in need of an Associate to take over the provision of Accounting/Bookkeeping services for my clients. I consider myself very fortunate to have found Neha Nayyar. Neha is able to relate to a wide range of clients and their needs. She makes bookkeeping accessible, understandable and easy for…

Gail, Virtual Assistant & Bookkeeping Solutions