Amount to Words Converter

How the math works

The amount is split into a whole part and a subunit, each converted separately, then joined:

major = ⌊amount⌋
minor = first two decimal digits, rounded half-up using the third digit   →   0…99

words = numberToWords(major) + " " + majorUnit
        [ + " and " + numberToWords(minor) + " " + minorUnit ]   only when minor is not 0
        [ + " Only" ]                                            only when the toggle is on

International grouping — split major into 3-digit groups from the right and name them:

major = G3 G2 G1 G0
words = [G3] Billion  [G2] Million  [G1] Thousand  [G0]        groups equal to 0 are dropped

Indian grouping — the last three digits, then pairs:

crore    = ⌊major ÷ 10,000,000⌋
lakh     = ⌊(major mod 10,000,000) ÷ 100,000⌋
thousand = ⌊(major mod 100,000) ÷ 1,000⌋
rest     = major mod 1,000

words = [crore] Crore  [lakh] Lakh  [thousand] Thousand  [rest]     parts equal to 0 are dropped

The crore part is run through the same Indian rule again, so 99,999 crore reads “Ninety-Nine Thousand Nine Hundred Ninety-Nine Crore”.

Every group under 1000 uses one rule, which is where the hyphen comes from:

hundreds digit → ONES[h] + " Hundred"
remainder 1–19 → ONES[r]                       e.g. 15 → Fifteen
remainder ≥ 20 → TENS[t] + "-" + ONES[o]       e.g. 21 → Twenty-One, 56 → Fifty-Six
                 (the hyphen and ONES are dropped when the unit digit is 0: 40 → Forty)

Worked example — 1234.56, US Dollar, International, “Only” off

major = 1234        → groups: G1 = 1, G0 = 234
G1 = 1              → "One" + " Thousand"
G0 = 234            → "Two Hundred" + "Thirty-Four"
numberToWords(1234) = "One Thousand Two Hundred Thirty-Four"
minor = 56          → "Fifty-Six", minorUnit = "Cents"

result = One Thousand Two Hundred Thirty-Four Dollars and Fifty-Six Cents

Worked example — 123456.00, Indian Rupee, Indian numbering, “Only” on

major = 123456
crore    = ⌊123,456 ÷ 10,000,000⌋      = 0        → dropped
lakh     = ⌊123,456 ÷ 100,000⌋         = 1        → "One Lakh"
thousand = ⌊23,456 ÷ 1,000⌋            = 23       → "Twenty-Three Thousand"
rest     = 123,456 mod 1,000           = 456      → "Four Hundred Fifty-Six"
minor    = 0                                      → the subunit clause is dropped

result = One Lakh Twenty-Three Thousand Four Hundred Fifty-Six Rupees Only

Self-check — fixed conversions this page produces

Type any of these amounts into the form with the settings shown and you get the output in the last column. They are here so you can confirm the four behaviours that most often go wrong: zero, a hundreds group with no tens, and the same number in each numbering system.

Note the third and fourth rows: the same number, 1,000,000, is One Million under International grouping and Ten Lakh under Indian grouping. Note the first row too — a zero subunit is dropped rather than written as “and Zero Cents”.

Scope and limits

• Output is English, in Title Case, using the US convention of no “and” inside the number itself.
• Range is 0 to 999,999,999,999.99. Amounts above that, and negative amounts, are rejected with a message rather than converted.
• Subunits are rounded to 2 decimal places (half-up). Convert the amount you are actually invoicing, not a pre-rounded one, so the words and the figures agree.
• The wording your bank, client or jurisdiction accepts — the currency name, whether “Only” is required, whether a zero subunit must be spelled out — is set by them, not by this page. This is a text-formatting tool, not legal, banking or accounting advice. Check the required format before relying on it.
• Nothing is uploaded: the amount is converted by JavaScript in this page. Anonymous usage analytics record only which currency set and numbering system were used — never the amount.