Convert a numeric value into words using Excel Formula

Rahim Ali asked if a numeric value can be converted into words using formulas (not VBA). It was a mind-boggling challenge.  After a few hours of head scratching, I cracked the puzzle.

The following formula can convert amount one less than 1 trillion into words.

Download link : Convert values into words

Style 1 : Truncation to the next nearest integer towards 0

For example : $ 1,250.50  =   One Thousand Two Hundred Fifty Dollars

$1,250.50 is placed in cell B3.

Paste the following formula in cell C3.

=IF(OR(LEN(FLOOR(B3,1))>=13,FLOOR(B3,1)<=0),"Out of range",PROPER(SUBSTITUTE(CONCATENATE(CHOOSE(MID(TEXT(INT(B3),REPT(0,12)),1,1)+1,"","one hundred ","two hundred ","three hundred ","four hundred ","five hundred ","six hundred ","seven hundred ","eight hundred ","nine hundred "),CHOOSE(MID(TEXT(INT(B3),REPT(0,12)),2,1)+1,"",CHOOSE(MID(TEXT(INT(B3),REPT(0,12)),3,1)+1,"ten","eleven","twelve","thirteen","fourteen","fifteen","sixteen","seventeen","eighteen","nineteen"),"twenty","thirty","forty","fifty","sixty","seventy","eighty","ninety"),IF(VALUE(MID(TEXT(INT(B3),REPT(0,12)),2,1))>1,CHOOSE(MID(TEXT(INT(B3),REPT(0,12)),3,1)+1,"","-one","-two","-three","-four","-five","-six","-seven","-eight","-nine"),IF(VALUE(MID(TEXT(INT(B3),REPT(0,12)),2,1))=0,CHOOSE(MID(TEXT(INT(B3),REPT(0,12)),3,1)+1,"","one","two","three","four","five","six","seven","eight","nine"),"")),IF(B3>=10^9," billion ",""),CHOOSE(MID(TEXT(INT(B3),REPT(0,12)),4,1)+1,"","one hundred ","two hundred ","three hundred ","four hundred ","five hundred ","six hundred ","seven hundred ","eight hundred ","nine hundred "),CHOOSE(MID(TEXT(INT(B3),REPT(0,12)),5,1)+1,"",CHOOSE(MID(TEXT(INT(B3),REPT(0,12)),6,1)+1,"ten","eleven","twelve","thirteen","fourteen","fifteen","sixteen","seventeen","eighteen","nineteen"),"twenty","thirty","forty","fifty","sixty","seventy","eighty","ninety"),IF(VALUE(MID(TEXT(INT(B3),REPT(0,12)),5,1))>1,CHOOSE(MID(TEXT(INT(B3),REPT(0,12)),6,1)+1,"","-one","-two","-three","-four","-five","-six","-seven","-eight","-nine"),IF(VALUE(MID(TEXT(INT(B3),REPT(0,12)),5,1))=0,CHOOSE(MID(TEXT(INT(B3),REPT(0,12)),6,1)+1,"","one","two","three","four","five","six","seven","eight","nine"),"")),IF(VALUE(MID(TEXT(INT(B3),REPT(0,12)),4,3))>0," million ",""),CHOOSE(MID(TEXT(INT(B3),REPT(0,12)),7,1)+1,"","one hundred ","two hundred ","three hundred ","four hundred ","five hundred ","six hundred ","seven hundred ","eight hundred ","nine hundred "),CHOOSE(MID(TEXT(INT(B3),REPT(0,12)),8,1)+1,"",CHOOSE(MID(TEXT(INT(B3),REPT(0,12)),9,1)+1,"ten","eleven","twelve","thirteen","fourteen","fifteen","sixteen","seventeen","eighteen","nineteen"),"twenty","thirty","forty","fifty","sixty","seventy","eighty","ninety"),IF(VALUE(MID(TEXT(INT(B3),REPT(0,12)),8,1))>1,CHOOSE(MID(TEXT(INT(B3),REPT(0,12)),9,1)+1,"","-one","-two","-three","-four","-five","-six","-seven","-eight","-nine"),IF(VALUE(MID(TEXT(INT(B3),REPT(0,12)),8,1))=0,CHOOSE(MID(TEXT(INT(B3),REPT(0,12)),9,1)+1,"","one","two","three","four","five","six","seven","eight","nine"),"")),IF(VALUE(MID(TEXT(INT(B3),REPT(0,12)),7,3))," thousand ",""),CHOOSE(MID(TEXT(INT(B3),REPT(0,12)),10,1)+1,"","one hundred ","two hundred ","three hundred ","four hundred ","five hundred ","six hundred ","seven hundred ","eight hundred ","nine hundred "),CHOOSE(MID(TEXT(INT(B3),REPT(0,12)),11,1)+1,"",CHOOSE(MID(TEXT(INT(B3),REPT(0,12)),12,1)+1,"ten","eleven","twelve","thirteen","fourteen","fifteen","sixteen","seventeen","eighteen","nineteen"),"twenty","thirty","forty","fifty","sixty","seventy","eighty","ninety"),IF(VALUE(MID(TEXT(INT(B3),REPT(0,12)),11,1))>1,CHOOSE(MID(TEXT(INT(B3),REPT(0,12)),12,1)+1,"","-one","-two","-three","-four","-five","-six","-seven","-eight","-nine"),IF(VALUE(MID(TEXT(INT(B3),REPT(0,12)),11,1))=0,CHOOSE(MID(TEXT(INT(B3),REPT(0,12)),12,1)+1,"","one","two","three","four","five","six","seven","eight","nine"),"")))," "," ")&IF(FLOOR(B3,1)>1," dollars"," dollar")))

Style 2 : Including two decimal places

Note : It works for a value having two decimal places. It truncates if you have a value having more than two decimal places.

For example :  $ 1,250.50  =  One Thousand Two Hundred Fifty Dollars and Fifty Cents

$1,250.50 is placed in cell B5.

Paste the following formula in cell C5.

=IF(B5<=0,"Out of range",TRIM(PROPER(SUBSTITUTE(CONCATENATE(CHOOSE(MID(TEXT(INT(B5),REPT(0,12)),1,1)+1,"","one hundred ","two hundred ","three hundred ","four hundred ","five hundred ","six hundred ","seven hundred ","eight hundred ","nine hundred "),CHOOSE(MID(TEXT(INT(B5),REPT(0,12)),2,1)+1,"",CHOOSE(MID(TEXT(INT(B5),REPT(0,12)),3,1)+1,"ten","eleven","twelve","thirteen","fourteen","fifteen","sixteen","seventeen","eighteen","nineteen"),"twenty","thirty","forty","fifty","sixty","seventy","eighty","ninety"),IF(VALUE(MID(TEXT(INT(B5),REPT(0,12)),2,1))>1,CHOOSE(MID(TEXT(INT(B5),REPT(0,12)),3,1)+1,"","-one","-two","-three","-four","-five","-six","-seven","-eight","-nine"),IF(VALUE(MID(TEXT(INT(B5),REPT(0,12)),2,1))=0,CHOOSE(MID(TEXT(INT(B5),REPT(0,12)),3,1)+1,"","one","two","three","four","five","six","seven","eight","nine"),"")),IF(B5>=10^9," billion ",""),CHOOSE(MID(TEXT(INT(B5),REPT(0,12)),4,1)+1,"","one hundred ","two hundred ","three hundred ","four hundred ","five hundred ","six hundred ","seven hundred ","eight hundred ","nine hundred "),CHOOSE(MID(TEXT(INT(B5),REPT(0,12)),5,1)+1,"",CHOOSE(MID(TEXT(INT(B5),REPT(0,12)),6,1)+1,"ten","eleven","twelve","thirteen","fourteen","fifteen","sixteen","seventeen","eighteen","nineteen"),"twenty","thirty","forty","fifty","sixty","seventy","eighty","ninety"),IF(VALUE(MID(TEXT(INT(B5),REPT(0,12)),5,1))>1,CHOOSE(MID(TEXT(INT(B5),REPT(0,12)),6,1)+1,"","-one","-two","-three","-four","-five","-six","-seven","-eight","-nine"),IF(VALUE(MID(TEXT(INT(B5),REPT(0,12)),5,1))=0,CHOOSE(MID(TEXT(INT(B5),REPT(0,12)),6,1)+1,"","one","two","three","four","five","six","seven","eight","nine"),"")),IF(VALUE(MID(TEXT(INT(B5),REPT(0,12)),4,3))>0," million ",""),CHOOSE(MID(TEXT(INT(B5),REPT(0,12)),7,1)+1,"","one hundred ","two hundred ","three hundred ","four hundred ","five hundred ","six hundred ","seven hundred ","eight hundred ","nine hundred "),CHOOSE(MID(TEXT(INT(B5),REPT(0,12)),8,1)+1,"",CHOOSE(MID(TEXT(INT(B5),REPT(0,12)),9,1)+1,"ten","eleven","twelve","thirteen","fourteen","fifteen","sixteen","seventeen","eighteen","nineteen"),"twenty","thirty","forty","fifty","sixty","seventy","eighty","ninety"),IF(VALUE(MID(TEXT(INT(B5),REPT(0,12)),8,1))>1,CHOOSE(MID(TEXT(INT(B5),REPT(0,12)),9,1)+1,"","-one","-two","-three","-four","-five","-six","-seven","-eight","-nine"),IF(VALUE(MID(TEXT(INT(B5),REPT(0,12)),8,1))=0,CHOOSE(MID(TEXT(INT(B5),REPT(0,12)),9,1)+1,"","one","two","three","four","five","six","seven","eight","nine"),"")),IF(VALUE(MID(TEXT(INT(B5),REPT(0,12)),7,3))," thousand ",""),CHOOSE(MID(TEXT(INT(B5),REPT(0,12)),10,1)+1,"","one hundred ","two hundred ","three hundred ","four hundred ","five hundred ","six hundred ","seven hundred ","eight hundred ","nine hundred "),CHOOSE(MID(TEXT(INT(B5),REPT(0,12)),11,1)+1,"",CHOOSE(MID(TEXT(INT(B5),REPT(0,12)),12,1)+1,"ten","eleven","twelve","thirteen","fourteen","fifteen","sixteen","seventeen","eighteen","nineteen"),"twenty","thirty","forty","fifty","sixty","seventy","eighty","ninety"),IF(VALUE(MID(TEXT(INT(B5),REPT(0,12)),11,1))>1,CHOOSE(MID(TEXT(INT(B5),REPT(0,12)),12,1)+1,"","-one","-two","-three","-four","-five","-six","-seven","-eight","-nine"),IF(VALUE(MID(TEXT(INT(B5),REPT(0,12)),11,1))=0,CHOOSE(MID(TEXT(INT(B5),REPT(0,12)),12,1)+1,"","one","two","three","four","five","six","seven","eight","nine"),"")))," "," ")&IF(FLOOR(B5,1)>1," dollars"," ")&IF(AND(B5>=1,B5<2),"dollar",""))&IFERROR(IF(B5<1,SUBSTITUTE(IF(ISERROR(FIND(".",B5,1)),""," and "),"and","")," and ")&PROPER(IF(LEN(LEFT(TRIM(MID(SUBSTITUTE(B5,".",REPT(" ",255)),255,200)),2))=1,CHOOSE(1*LEFT(TRIM(MID(SUBSTITUTE(B5,".",REPT(" ",255)),255,200)),2),"ten","twenty","thirty","forty","fifty","sixty","seventy","eighty","ninety")&" cents","")&CONCATENATE(CHOOSE(MID(TEXT(INT(LEFT(TRIM(MID(SUBSTITUTE(B5,".",REPT(" ",255)),255,200)),2)),REPT(0,12)),11,1)+1,"",CHOOSE(MID(TEXT(INT(LEFT(TRIM(MID(SUBSTITUTE(B5,".",REPT(" ",255)),255,200)),2)),REPT(0,12)),12,1)+1,"ten","eleven","twelve","thirteen","fourteen","fifteen","sixteen","seventeen","eighteen","nineteen")&" cents","twenty","thirty","forty","fifty","sixty","seventy","eighty","ninety"),IF(VALUE(MID(TEXT(INT(LEFT(TRIM(MID(SUBSTITUTE(B5,".",REPT(" ",255)),255,200)),2)),REPT(0,12)),11,1))>1,CHOOSE(MID(TEXT(INT(LEFT(TRIM(MID(SUBSTITUTE(B5,".",REPT(" ",255)),255,200)),2)),REPT(0,12)),12,1)+1,"","-one","-two","-three","-four","-five","-six","-seven","-eight","-nine")&" cents",IF(LEFT(TRIM(MID(SUBSTITUTE(B5,".",REPT(" ",255)),255,200)),2)="01","one cent",IF(LEFT(TRIM(MID(SUBSTITUTE(B5,".",REPT(" ",255)),255,200)),1)="0",CHOOSE(MID(TEXT(INT(LEFT(TRIM(MID(SUBSTITUTE(B5,".",REPT(" ",255)),255,200)),2)),REPT(0,12)),12,1)+1,"","one","two","three","four","five","six","seven","eight","nine")&" cents",""))))),"")))

Download link : Convert values into words

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Deepanshu founded ListenData with a simple objective - Make analytics easy to understand and follow. He has over 10 years of experience in data science. During his tenure, he has worked with global clients in various domains like Banking, Insurance, Private Equity, Telecom and Human Resource.

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