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 can be unlocked without password
Maximum number is 999,999,999
99,350.00
Ninety Nine Thousand Three Hundred and Fifty Euro & 00/100

=CHOOSE(LEFT(TEXT(B3,"000000000.00"))+1,,"One","Two","Three","Four","Five","Six","Seven","Eight","Nine") &IF(--LEFT(TEXT(B3,"000000000.00"))
MID(TEXT(B3,"000000000.00"),2,1)=0,--MID(TEXT(B3,"000000000.00"),3,1)=0)," Hundred"," Hundred and ")) &CHOOSE(MID(TEXT(B3,"000000000.00
","Sixty ","Seventy ","Eighty ","Ninety ") &IF(--MID(TEXT(B3,"000000000.00"),2,1)<>1,CHOOSE(MID(TEXT(B3,"000000000.00"),3,1)+1,,"One","Two","Th
CHOOSE(MID(TEXT(B3,"000000000.00"),3,1)+1,"Ten","Eleven","Twelve","Thirteen","Fourteen","Fifteen","Sixteen","Seventeen","Eighteen","Nineteen")) &
+MID(TEXT(B3,"000000000.00"),2,1)+MID(TEXT(B3,"000000000.00"),3,1))=0,,IF(AND((--
MID(TEXT(B3,"000000000.00"),4,1)+MID(TEXT(B3,"000000000.00"),5,1)+MID(TEXT(B3,"000000000.00"),6,1)+MID(TEXT(B3,"000000000.00"),7,1))=0,
MID(TEXT(B3,"000000000.00"),8,1)+RIGHT(TEXT(B3,"000000000.00")))>0)," Million and "," Million "))
&CHOOSE(MID(TEXT(B3,"000000000.00"),4,1)+1,,"One","Two","Three","Four","Five","Six","Seven","Eight","Nine") &IF(--MID(TEXT(B3,"000000000.00")
MID(TEXT(B3,"000000000.00"),5,1)=0,--MID(TEXT(B3,"000000000.00"),6,1)=0)," Hundred"," Hundred and")) &CHOOSE(MID(TEXT(B3,"000000000.00
Sixty"," Seventy"," Eighty"," Ninety") &IF(--MID(TEXT(B3,"000000000.00"),5,1)<>1,CHOOSE(MID(TEXT(B3,"000000000.00"),6,1)+1,," One"," Two"," Thr
Nine"),CHOOSE(MID(TEXT(B3,"000000000.00"),6,1)+1," Ten"," Eleven"," Twelve"," Thirteen"," Fourteen"," Fifteen"," Sixteen"," Seventeen"," Eighteen","
MID(TEXT(B3,"000000000.00"),4,1)+MID(TEXT(B3,"000000000.00"),5,1)+MID(TEXT(B3,"000000000.00"),6,1))=0,,IF(OR((--
MID(TEXT(B3,"000000000.00"),7,1)+MID(TEXT(B3,"000000000.00"),8,1)+MID(TEXT(B3,"000000000.00"),9,1))=0,--MID(TEXT(B3,"000000000.00"),7,1
&CHOOSE(MID(TEXT(B3,"000000000.00"),7,1)+1,,"One","Two","Three","Four","Five","Six","Seven","Eight","Nine") &IF(--MID(TEXT(B3,"000000000.00")
MID(TEXT(B3,"000000000.00"),8,1)=0,--MID(TEXT(B3,"000000000.00"),9,1)=0)," Hundred "," Hundred and "))& CHOOSE(MID(TEXT(B3,"000000000.0
","Sixty ","Seventy ","Eighty ","Ninety ") &IF(--
MID(TEXT(B3,"000000000.00"),8,1)<>1,CHOOSE(MID(TEXT(B3,"000000000.00"),9,1)+1,,"One","Two","Three","Four","Five","Six","Seven","Eight","Nine
)+1,"Ten","Eleven","Twelve","Thirteen","Fourteen","Fifteen","Sixteen","Seventeen","Eighteen","Nineteen")) &" Euro & "&RIGHT(TEXT(B3,"000000000.00

Formula contains 2745 characters

This formula is designed by Peter
Menhennet (Thank you Pete for
sharing it!).
If you're wondering how you can
apply this to many cells or update
currency and decimal places, click
here to watch the quick tutorial.
I also who you how you can start
dissecting the formula (in case you'd
like to understand how it's built).
Improvement to shorten formula

2 4 0

5 0 1

9 8 9

Two Hundred and Forty Million Five Hundred and One Thousand Nine Hundred and Eighty Nine
240,501,989
Note - all IF functions need double negative before LEFT, MID, RIGHT - but CHOOSE works OK without double

=CHOOSE(LEFT(TEXT(B12,"000000000"))+1,,"One","Two","Three","Four","Five","Six","Seven","Eight","Nine")&

IF(--LEFT(TEXT(B12,"000000000"))=0,,IF(AND(--MID(TEXT(B12,"000000000"),2,1)=0,--MID(TEXT(B12,"000000000"),3,1)=0)," Hundred"

CHOOSE(MID(TEXT(B12,"000000000"),2,1)+1,,,"Twenty ","Thirty ","Forty ","Fifty ","Sixty ","Seventy ","Eighty ","Ninety ")&

IF(--
MID(TEXT(B12,"000000000"),2,1)<>1,CHOOSE(MID(TEXT(B12,"000000000"),3,1)+1,,"One","Two","Three","Four","Five","Six","Seven","E
Eighteen","Nineteen"))&

IF((--LEFT(TEXT(B12,"000000000"))+MID(TEXT(B12,"000000000"),2,1)+MID(TEXT(B12,"000000000"),3,1))=0,,IF(AND((--MID(TEXT(B12
MID(TEXT(B12,"000000000"),8,1)+RIGHT(TEXT(B12,"000000000")))>0)," Million and "," Million "))&

CHOOSE(MID(TEXT(B12,"000000000"),4,1)+1,,"One","Two","Three","Four","Five","Six","Seven","Eight","Nine")&

IF(--MID(TEXT(B12,"000000000"),4,1)=0,,IF(AND(--MID(TEXT(B12,"000000000"),5,1)=0,--MID(TEXT(B12,"000000000"),6,1)=0)," Hundre

CHOOSE(MID(TEXT(B12,"000000000"),5,1)+1,,,"Twenty ","Thirty ","Forty ","Fifty ","Sixty ","Seventy ","Eighty ","Ninety ")&

IF(--
MID(TEXT(B12,"000000000"),5,1)<>1,CHOOSE(MID(TEXT(B12,"000000000"),6,1)+1,,"One","Two","Three","Four","Five","Six","Seven","E
Eighteen","Nineteen"))&

IF((--MID(TEXT(B12,"000000000"),4,1)+MID(TEXT(B12,"000000000"),5,1)+MID(TEXT(B12,"000000000"),6,1))=0,,IF(OR((--MID(TEXT(B1
Thousand "," Thousand and "))&

CHOOSE(MID(TEXT(B12,"000000000"),7,1)+1,,"One","Two","Three","Four","Five","Six","Seven","Eight","Nine")&

IF(--MID(TEXT(B12,"000000000"),7,1)=0,,IF(AND(--MID(TEXT(B12,"000000000"),8,1)=0,--RIGHT(TEXT(B12,"000000000"))=0)," Hundred
CHOOSE(MID(TEXT(B12,"000000000"),8,1)+1,,,"Twenty ","Thirty ","Forty ","Fifty ","Sixty ","Seventy ","Eighty ","Ninety ")&

IF(--MID(TEXT(B12,"000000000"),8,1)<>1,CHOOSE(RIGHT(TEXT(B12,"000000000"))+1,,"One","Two","Three","Four","Five","Six","Seven"
+1,"Ten","Eleven","Twelve","Thirteen","Fourteen","Fifteen","Sixteen","Seventeen","Eighteen","Nineteen"))
 This is the method use
get the correct formula
section

millions two hundred and forty million

thousands five hundred and one thousand

hundreds nine hundred and eighty nine

e Hundred and Eighty Nine

Formula contains 2598 characters

ut CHOOSE works OK without double negative (Next sheet uses slightly shorter final for

en","Eight","Nine")&

D(TEXT(B12,"000000000"),3,1)=0)," Hundred"," Hundred and "))&

Seventy ","Eighty ","Ninety ")&

e","Two","Three","Four","Five","Six","Seven","Eight","Nine"),CHOOSE(MID(TEXT(B12,"000000000"),3,1)+1,"Ten","Eleven","Twelve","Thirteen","Fourteen","Fifteen","Sixtee

00000000"),3,1))=0,,IF(AND((--MID(TEXT(B12,"000000000"),4,1)+MID(TEXT(B12,"000000000"),5,1)+MID(TEXT(B12,"000000000"),6,1)+MID(TEXT(B12,"000000000"),
lion "))&

ven","Eight","Nine")&

MID(TEXT(B12,"000000000"),6,1)=0)," Hundred "," Hundred and "))&

Seventy ","Eighty ","Ninety ")&

e","Two","Three","Four","Five","Six","Seven","Eight","Nine"),CHOOSE(MID(TEXT(B12,"000000000"),6,1)+1,"Ten","Eleven","Twelve","Thirteen","Fourteen","Fifteen","Sixtee

"000000000"),6,1))=0,,IF(OR((--MID(TEXT(B12,"000000000"),7,1)+MID(TEXT(B12,"000000000"),8,1)+RIGHT(TEXT(B12,"000000000")))=0,--MID(TEXT(B12,"0000000

ven","Eight","Nine")&

RIGHT(TEXT(B12,"000000000"))=0)," Hundred "," Hundred and "))&

Seventy ","Eighty ","Ninety ")&

One","Two","Three","Four","Five","Six","Seven","Eight","Nine"),CHOOSE(RIGHT(TEXT(B12,"000000000"))
"Nineteen"))
 This is the method used by Pete to
get the correct formulas for each
section

ntains 2598 characters

uses slightly shorter final formula)

","Thirteen","Fourteen","Fifteen","Sixteen","Seventeen","

00"),6,1)+MID(TEXT(B12,"000000000"),7,1))=0,(--

","Thirteen","Fourteen","Fifteen","Sixteen","Seventeen","

00000")))=0,--MID(TEXT(B12,"000000000"),7,1)<>0),"
 can be unlocked without password
Maximum number is 999,999,999
99,350.00
Ninety Nine Thousand Three Hundred Fifty and 00/100 USD

=CHOOSE(LEFT(TEXT(B3,"000000000.00"))+1,,"One","Two","Three","Four","Five","Six","Seven","Eight","Nine") &IF(--LEFT(TEXT(B3,"000000000.00"))
MID(TEXT(B3,"000000000.00"),2,1)=0,--MID(TEXT(B3,"000000000.00"),3,1)=0)," Hundred"," Hundred ")) &CHOOSE(MID(TEXT(B3,"000000000.00"),2,
","Seventy ","Eighty ","Ninety ") &IF(--MID(TEXT(B3,"000000000.00"),2,1)<>1,CHOOSE(MID(TEXT(B3,"000000000.00"),3,1)+1,,"One","Two","Three","Fo
CHOOSE(MID(TEXT(B3,"000000000.00"),3,1)+1,"Ten","Eleven","Twelve","Thirteen","Fourteen","Fifteen","Sixteen","Seventeen","Eighteen","Nineteen")) &
+MID(TEXT(B3,"000000000.00"),2,1)+MID(TEXT(B3,"000000000.00"),3,1))=0,,IF(AND((--
MID(TEXT(B3,"000000000.00"),4,1)+MID(TEXT(B3,"000000000.00"),5,1)+MID(TEXT(B3,"000000000.00"),6,1)+MID(TEXT(B3,"000000000.00"),7,1))=0,
MID(TEXT(B3,"000000000.00"),8,1)+RIGHT(TEXT(B3,"000000000.00")))>0)," Million "," Million "))
&CHOOSE(MID(TEXT(B3,"000000000.00"),4,1)+1,,"One","Two","Three","Four","Five","Six","Seven","Eight","Nine") &IF(--MID(TEXT(B3,"000000000.00")
MID(TEXT(B3,"000000000.00"),5,1)=0,--MID(TEXT(B3,"000000000.00"),6,1)=0)," Hundred"," Hundred ")) &CHOOSE(MID(TEXT(B3,"000000000.00"),5,
Seventy"," Eighty"," Ninety") &IF(--MID(TEXT(B3,"000000000.00"),5,1)<>1,CHOOSE(MID(TEXT(B3,"000000000.00"),6,1)+1,," One"," Two"," Three"," Fo
Nine"),CHOOSE(MID(TEXT(B3,"000000000.00"),6,1)+1," Ten"," Eleven"," Twelve"," Thirteen"," Fourteen"," Fifteen"," Sixteen"," Seventeen"," Eighteen","
MID(TEXT(B3,"000000000.00"),4,1)+MID(TEXT(B3,"000000000.00"),5,1)+MID(TEXT(B3,"000000000.00"),6,1))=0,,IF(OR((--
MID(TEXT(B3,"000000000.00"),7,1)+MID(TEXT(B3,"000000000.00"),8,1)+MID(TEXT(B3,"000000000.00"),9,1))=0,--MID(TEXT(B3,"000000000.00"),7,1
&CHOOSE(MID(TEXT(B3,"000000000.00"),7,1)+1,,"One","Two","Three","Four","Five","Six","Seven","Eight","Nine") &IF(--MID(TEXT(B3,"000000000.00")
MID(TEXT(B3,"000000000.00"),8,1)=0,--MID(TEXT(B3,"000000000.00"),9,1)=0)," Hundred "," Hundred "))& CHOOSE(MID(TEXT(B3,"000000000.00"),8
","Seventy ","Eighty ","Ninety ") &IF(--
MID(TEXT(B3,"000000000.00"),8,1)<>1,CHOOSE(MID(TEXT(B3,"000000000.00"),9,1)+1,,"One","Two","Three","Four","Five","Six","Seven","Eight","Nine
)+1,"Ten","Eleven","Twelve","Thirteen","Fourteen","Fifteen","Sixteen","Seventeen","Eighteen","Nineteen")) & "and " &RIGHT(TEXT(B3,"000000000.00"),2

Formula contains 2730 characters

Formula updated by Jim M. for US
syntax.
 can be unlocked without password
Works for Billions as well
120,055,444,444.22
One Hundred and Twenty Billion Fifty Five Million Four Hundred and Forty Four Thousand Four Hundred and Forty Four P
Formula contains 4162 characters
=CHOOSE(LEFT(TEXT(B3,"000000000000.00"))+1,,"One ","Two ","Three ","Four ","Five ","Six ","Seven ","Eight ","Nine ")&IF(--
LEFT(TEXT(B3,"000000000000.00"))=0, ,IF(AND(--MID(TEXT(B3,"000000000000.00"),2,1)=0,--MID(TEXT(B3,"000000000000.00"),3,1)=0),"Hundred
","Hundred and "))&CHOOSE(MID(TEXT(B3,"000000000000.00"),2,1)+1,,,"Twenty ","Thirty ","Forty ","Fifty ","Sixty ","Seventy ","Eighty ","Ninety ")&IF(--
MID(TEXT(B3,"000000000000.00"),2,1)<>1,CHOOSE(MID(TEXT(B3,"000000000000.00"),3,1)+1,,"One ","Two ","Three ","Four ","Five ","Six ","Seven ","
","Nine "),CHOOSE(MID(TEXT(B3,"000000000000.00"),3,1)+1,"Ten ","Eleven ","Twelve ","Thirteen ","Fourteen ","Fifteen ","Sixteen ","Seventeen ","Eight
","Nineteen "))&IF((--LEFT(TEXT(B3,"000000000000.00"))+MID(TEXT(B3,"000000000000.00"),2,1)+MID(TEXT(B3,"000000000000.00"),3,1))=0, ,IF(AND
MID(TEXT(B3,"000000000000.00"),4,1)+MID(TEXT(B3,"000000000000.00"),5,1)+MID(TEXT(B3,"000000000000.00"),6,1)+MID(TEXT(B3,"0000000000
,7,1))=0,(--MID(TEXT(B3,"000000000000.00"),8,1)+RIGHT(TEXT(B3,"000000000000.00")))>0),"Billion and ","Billion
"))&CHOOSE(MID(TEXT(B3,"000000000000.00"),4,1)+1,,"One ","Two ","Three ","Four ","Five ","Six ","Seven ","Eight ","Nine ")&IF(--
MID(TEXT(B3,"000000000000.00"),4,1)=0, ,IF(AND(--MID(TEXT(B3,"000000000000.00"),5,1)=0,--MID(TEXT(B3,"000000000000.00"),6,1)=0),"Hundred
","Hundred and "))&CHOOSE(MID(TEXT(B3,"000000000000.00"),5,1)+1,,,"Twenty ","Thirty ","Forty ","Fifty ","Sixty ","Seventy ","Eighty ","Ninety ")&IF(--
MID(TEXT(B3,"000000000000.00"),5,1)<>1,CHOOSE(MID(TEXT(B3,"000000000000.00"),6,1)+1,,"One ","Two ","Three ","Four ","Five ","Six ","Seven ","
","Nine "),CHOOSE(MID(TEXT(B3,"000000000000.00"),6,1)+1,"Ten ","Eleven ","Twelve ","Thirteen ","Fourteen ","Fifteen ","Sixteen ","Seventeen ","Eight
","Nineteen "))&IF((--MID(TEXT(B3,"000000000000.00"),4,1)+MID(TEXT(B3,"000000000000.00"),5,1)+MID(TEXT(B3,"000000000000.00"),6,1))=0, ,IF(O
MID(TEXT(B3,"000000000000.00"),7,1)+MID(TEXT(B3,"000000000000.00"),8,1)+MID(TEXT(B3,"000000000000.00"),9,1))=0,--
MID(TEXT(B3,"000000000000.00"),7,1)>0),"Million ","Million and "))&CHOOSE(MID(TEXT(B3,"000000000000.00"),7,1)+1,,"One ","Two ","Three ","Four
","Six ","Seven ","Eight ","Nine ")&IF(--MID(TEXT(B3,"000000000000.00"),7,1)=0, ,IF(AND(--MID(TEXT(B3,"000000000000.00"),8,1)=0,--
MID(TEXT(B3,"000000000000.00"),9,1)=0),"Hundred ","Hundred and "))&CHOOSE(MID(TEXT(B3,"000000000000.00"),8,1)+1,,,"Twenty ","Thirty ","Forty
","Fifty ","Sixty ","Seventy ","Eighty ","Ninety ")&IF(--MID(TEXT(B3,"000000000000.00"),8,1)<>1,CHOOSE(MID(TEXT(B3,"000000000000.00"),9,1)+1,,"O
","Two ","Three ","Four ","Five ","Six ","Seven ","Eight ","Nine "),CHOOSE(MID(TEXT(B3,"000000000000.00"),9,1)+1,"Ten ","Eleven ","Twelve ","Thirteen
","Fourteen ","Fifteen ","Sixteen ","Seventeen ","Eighteen ","Nineteen "))&IF((--
MID(TEXT(B3,"000000000000.00"),7,1)+MID(TEXT(B3,"000000000000.00"),8,1)+MID(TEXT(B3,"000000000000.00"),9,1))=0, ,IF(OR((--
MID(TEXT(B3,"000000000000.00"),10,1)+MID(TEXT(B3,"000000000000.00"),11,1)+MID(TEXT(B3,"000000000000.00"),12,1))=0,--
MID(TEXT(B3,"000000000000.00"),10,1)<>0),"Thousand ","Thousand and "))&CHOOSE(MID(TEXT(B3,"000000000000.00"),10,1)+1,,"One ","Two ","Th
","Four ","Five ","Six ","Seven ","Eight ","Nine ")&IF(--MID(TEXT(B3,"000000000000.00"),10,1)=0, ,IF(AND(--MID(TEXT(B3,"000000000000.00"),11,1)=0,
MID(TEXT(B3,"000000000000.00"),12,1)=0),"Hundred ","Hundred and "))&CHOOSE(MID(TEXT(B3,"000000000000.00"),11,1)+1,,,"Twenty ","Thirty ","Fo
","Fifty ","Sixty ","Seventy ","Eighty ","Ninety ")&IF(--MID(TEXT(B3,"000000000000.00"),11,1)<>1,CHOOSE(MID(TEXT(B3,"000000000000.00"),12,1)+1,,
","Two ","Three ","Four ","Five ","Six ","Seven ","Eight ","Nine "),CHOOSE(MID(TEXT(B3,"000000000000.00"),12,1)+1,"Ten ","Eleven ","Twelve ","Thirteen
","Fourteen ","Fifteen ","Sixteen ","Seventeen ","Eighteen ","Nineteen "))&"Point "&CHOOSE(MID(TEXT(B3,"000000000000.00"),14,1)+2,,"zero ","One ","
","Three ","Four ","Five ","Six ","Seven ","Eight ","Nine
")&CHOOSE(MID(TEXT(B3,"000000000000.00"),15,1)+2,,"zero","One","Two","Three","Four","Five","Six","Seven","Eight","Nine")
 Formula updated by Zafar Khan from
Pakistan to account for billions and
add text for decimal points.
Four Point Two Two
 Absolute Figures
Rate Currency Amount

1.00 Qatari Riyals QAR 54,000.55

0.27473 US Dollars USD 14,835.30

19.3156 Indian Rupees INR 1,043,053.02

0.103297 Bahraini Dinars BHD 5,578.095

Rounded Figures
Rate Currency Amount

1.00 Qatari Riyals QAR 54,000.00

0.27473 US Dollars USD 15,000.00

19.3156 Indian Rupees INR 25,000.00

0.103297 Bahraini Dinars BHD 6,500.000

In words

Qatari Riyals Fifty Four Thousand & 55 Dirhams Only.

US Dollars Fourteen Thousand Eight Hundred and Thirty Five & 30 Cents On

Indian Rupees One Million Forty Three Thousand and Fifty Three & 02 Paise

Bahraini Dinars Five Thousand Five Hundred and Seventy Eight & 095 Fils O

In words

Qatari Riyals Fifty Four Thousand Only.

US Dollars Fifteen Thousand Only.

Indian Rupees Twenty Five Thousand Only.

Bahraini Dinars Six Thousand Five Hundred Only.

Formulas updated by Abdul Rahman
Mohammed to include other
currencies in absolute and rounded
figures. Many thanks!