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 that good. Thank you Neha, I am a raving fan!!

“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 at the computer. Neha has always responded quickly to any ongoing questions I have had. Her constant support and the beauty of Xero has been just what I need to take my business to the next level”

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 them. She is a creative problem solver, a self-starter who sees what needs to be done, rolls up her sleeves and just gets in there and makes it happen. Her calm and friendly demeanor is effective and inspires confidence, always backed up by beneficial results. Her greatest advocates are our Accountant clients who have the utmost confidence in her knowledge and abilities. I trust Neha’s integrity and honesty and I highly recommend her to anyone looking for a streamlined, efficient Bookkeeper or Accountant. She is a valuable resource who it is my great pleasure to know both as a colleague and friend.

Peter Ellemans, Birch Living I have owned BIRCH LIVING – a homewares/gifts store in Clifton Hill/Fitzroy North strip-shopping centre, for the past 5 ½ years. As retailing and merchandising are my strengths, and bookkeeping is not, I employed SUM AND SUBSTANCE to run the “back office”, including monthly reconciliations, BAS calculations, staff wages, super and taxes. It has been one of the best decisions I have made. I find Neha a delight to work with, she is very reliable, honest and thorough. If you are in need of a competent professional bookkeeper I would highly recommend her. Peter Ellemans

Having been with a previous bookkeeper for years, I was a bit hesitant to move on. Having found Neha has been a good choice for our company. Neha has a good accounts mind and on every visit gives great advice for the business, she has given me great ideas to move forward and make my work load more efficient. Great improvements all round and great to work with Neha

Neha has been an incredible help with my accounting needs. Running a small business can be quite stressful and daunting at times, but since I have been with Sum and Substance it has been a great help. Neha helped to setup and train me in the use of MYOB and it has been the best decision I have made. She was very patient and thorough and even the simplest of questions are answered promptly and professionally every time. I would highly recommend Neha and look forward to continuing to work with her as my business grows

I found Neha to be very knowledgeable, friendly and professional. She answered all my queries in regard to MYOB. I would certainly contact her again if the need arises.

I have been using the services of Sum and Substance for a number of years and I’ve never looked back. They have always gone the extra mile and I’ve always been very happy with how things have worked out. If you’re looking for any Taxation and Accounting assistance I would definitely recommend you give them a try. They have proven themselves to be flexible and open to my individual needs on multiple occasions and I couldn’t be happier!

Neha provided me with an effortless processing of my tax return. She is very friendly yet professional & I was very happy in how she assisted me. I will be sure to retain her services next year! Thanks again Neha for making it so simple for me.