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  • Neha Nayyar
    Director, CPA and BAS Agent

    Neha Nayyar

    With over 15 years’ experience, Neha is the heart of Sum and Substance. Neha’s...
    Read more about Neha Nayyar
  • Sofi Oakley

    Sofi Oakley

    Sofi is a bookkeeper with 20 years of experience in account and bookkeeping positions,...
    Read more about Sofi Oakley
  • Ansh Nayyar
    Assistant Accountant

    Ansh Nayyar

    Ansh is an assistant accountant with a Master of Business Administration and years of...
    Read more about Ansh Nayyar
  • Abhishek Mahajan
    Assistant Accountant

    Abhishek Mahajan

    Abhishek comes from a business background; his father owns a leather manufacturing business which...
    Read more about Abhishek Mahajan

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.

More CoVID 19 stimulus measures for businesses

Less than 2 weeks after announcing a very generous stimulus package to both individuals and businesses the government has rolled out a second package that will operate in addition to the first package. The additional spend is equal to $66 billion across both households and businesses. This brings the total investment so far to $189…


COVID-19 Stimulus for Your Business

Last week the Federal Government released a stimulus package to help keep Australia’s economic head above water. While much of the stimulus package was focused on health resources (of course), there were also some big measures focused on economic stimulus, with small businesses getting a much needed boost in a few areas. In particular those…


Automation & Business

Ask any small business owner what they need more of and the answer is always TIME! Running a small business is time consuming and there is often never enough of it. The second response is probably around cash flow. Small businesses need to operate on a lean budget and every dollar counts. So what if…



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