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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.

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



I have been using Neha’s services since May, 2014, and I was fortunate indeed to have her attending to our internal bookkeeping/accounting requirements. Initially, there was quite a backlog of work on which to catch-up, which Neha attended to efficiently and effectively. Over the period of time since May, 2014, I have found Neha to…

Mark Lennon, Business Partner Accountants