Number to Words – Excel Formula

Ever wanted to turn a number to words like 123,456 to One hundred twenty-three thousand four hundred fifty-six? You can use this elegant Excel formula to get convert number to words.

convert number to words with this excel formula

Excel Number to Words Formula

Below I have provided number to words Excel formula. It assumes you have input number in cell A1.

Note: This function can convert numbers up to 999,999 into words.

The function:

th, INT(A1/1000),
th.h, MOD(th/100, 10),
th.t, MOD(th, 100),
th.tens1, INT(th.t/10),
th.tens2, MOD(th.t,10),

t, MOD(A1,100),
tens1, INT(t/10),
tens2, MOD(t,10),

tys, {"twenty","thirty","fourty","fifty","sixty","seventy","eighty","ninety"},
upto19, {"one","two","three","four","five","six","seven","eight",

CONCAT(IF(th<1, "",
IF(th.h>=1,INDEX(upto19,th.h)&" hundred ","") &
IF(th.tens1<2,INDEX(upto19, th.t), INDEX(tys,th.tens1-1) &
" thousand "),
IF(h>=1,INDEX(upto19,h)&" hundred ",""),
IF(tens1<2,INDEX(upto19, t), INDEX(tys,tens1-1)&

How this formula works?

Formula & UDF to get Words from Number

Click here to download the sample file for this page. You can see number to words formula in column C. Play with the values or examine the formula to learn more.

In order to understand the number to words formula, you must first understand the newly introduced LET() function.

LET Excel Function:

LET function let’s us define variables to use with in the context of a formula. You can use LET function to shrink long formulas. Here is a quick example to explain the LET function.

Original formula:

=IF(SUM(A1:A10)>100, “Too high”, 
IF(SUM(A1:A10)>20, “Medium”, 
IF(SUM(A1:A10)>0, “Positive”, 
“Could be zero or negative”)))

Same formula with LET():

=LET(s, SUM(A1:A10), 
IF(s>100, “Too high”, 
IF(s>20, “Medium”, 
IF(s>0, “Positive”, 
"Could be zero or negative”))))


We are using the SUM(A1:A10) several times in the original formula. In the LET() formula version, we start by defining a variable s that is equal to SUM(A1:A10) and then we use s in rest of the formula. This simplifies the formula and supposedly makes it faster too (as Excel would calculate SUM(A1:A10) once.

Learn more about LET function

LET function is introduced newly and available only in Excel 365. Click here to read the documentation on LET function.

Understanding Number to Words Excel formula

The process for turning number to words is not complicated. If you know how to convert words for numbers up to 999, then same logic is applied to thousands, millions and billions too.

So let’s understand the process for numbers up to 999.

  1. Define two arrays upto19 and tys to hold {one,two…,nineteen} and {twenty, thirty…,ninety} respectively.
  2. From the input number (say in A1), calculate these 4 numbers and store them in variables.
    1. h = MOD(A1/100,10)
    2. t =  MOD(A1,100)
    3. tens1 = INT(t/10)
    4. tens2 = MOD(t,10)
  3. One way to look at these four variables is,
    1. h has hundreds digit
    2. t tells the last two digits
    3. tens1 tells the tens digit
    4. tens2 tells the ones digit
  4. So for an input number like 987, the 4 values would be h=9,  t=87, tens1=8 and tens2=7
  5. Now, construct the words version of number by simply concatenating below:
    1. INDEX(upto19, h)
    2. ” hundred “
    3. if tens1<2 then INDEX(upto19, t)
    4. else INDEX(tys, tens1-1)&”-“&INDEX(upto19, tens2)

The actual formula needs a few more if conditions to stop the flow when you hit a round number (like 500 should five hundred with no other words after).

The process for numbers up to 999,999:

We just need to follow the same idea as above, but twice. Once for thousands and once for balance.

Known limitations of this formula:

  • This formula works up to numbers 999,999 only.  You can scale it up to work with numbers up to a billion easily, but the formula gets longer.
  • It ignores any portion after decimal point. So 1003.20 becomes one thousand three.
  • It doesn’t show “zero” for 0 input value. The output would be blank instead.
Related: Learn more about the AWESOME Index function.

Excel Number to Words Formula – Video Explanation

Just in case your head hurts after all that explanation above, watch this video to understand how the formula works (plus a quick demo of LET function). 

Play Video

Excel Number to Words – VBA User Defined Formula


If you are not able to use the formula version then consider using below VBA UDF to convert number to words. This works up to a billion. 


Public Function number2words(thisNum As Double) As String
    Dim bn As Integer, mn As Integer, th As Integer, h As Integer, retval As String
    On Error GoTo msg
    bn = Int(thisNum / 1000000000)
    mn = Int(thisNum / 1000000) Mod 1000
    th = Int(thisNum / 1000) Mod 1000
    h = thisNum Mod 1000
    If bn >= 1 Then
        retval = num2words999(bn) & " billion "
    End If
    If mn >= 1 Then
        retval = retval & num2words999(mn) & " million "
    End If
    If th >= 1 Then
        retval = retval & num2words999(th) & " thousand "
    End If
    retval = retval & num2words999(h)
    number2words = retval
    Exit Function
    number2words = "error"
End Function

Private Function num2words999(thisNum As Integer) As String
    'convert any number up to 999 to words
    Dim tys As Variant, upto19 As Variant
    tys = Array("twenty", "thirty", "fourty", "fifty", "sixty", "seventy", "eighty", "ninety")
    upto19 = Array("one", "two", "three", "four", "five", "six", "seven", "eight", 
"nine", "ten", "eleven", "twelve", "thirteen", "fourteen", "fifteen", 
"sixteen", "seventeen", "eighteen", "nineteen")
    Dim h As Integer, t As Integer, tens1 As Integer, tens2 As Integer, retval As String
    h = Int(thisNum / 100) Mod 10
    t = thisNum Mod 100
    tens1 = Int(t / 10)
    tens2 = t Mod 10
    If h >= 1 Then
        retval = upto19(h - 1) & " hundred "
    End If
    If t >= 1 Then
        If tens1 < 2 Then
            retval = retval & upto19(t - 1)
            retval = retval & tys(tens1 - 2)
            If tens2 >= 1 Then
                retval = retval & "-" & upto19(tens2 - 1)
            End If
        End If
    End If
    num2words999 = retval
End Function

How to use the Number2Words UDF?

You do not need prior VBA knowledge to use this function. It works like any other Excel function once you install it.

To install Number2Words function:

  • You must have Personal Macros enabled. If not, click here to read on how to do that.
  • Go to your Personal Macros workbook. Add a module or open an existing module.
  • Paste the above code there.

How to use the Number2Words function:

To use this function on value in A1, simply write =Number2Words(A1)

Known limitations:

  • This function ignores any portion after decimal point
  • It doesn’t say “Zero” if input is 0 or blank. It would simply return blank.
  • The results are not capitalized. Use Excel functions like PROPER() to do that.
  • This function works up to 2 billion. 
  • If you email the result workbook to a colleague or client, then they cannot refresh the formula (unless they too have installed Number2Words UDF)

FREE VBA Crash Course

If you are curious about VBA, click here for my free 5 part crash course.

Download File – Number to Words Formula & UDF

Formula & UDF to get Words from Number

Click here to download the sample file for this page. You can see number to words formula in column C. Column E has VBA version output. Play with the formulas or examine the code to learn more.

Comments or suggestions please….

I hope you are finding the number to words formulas useful. Let me know if you are facing any issues or have suggestions for changing the outputs.

Indian version coming soon…

I am planning to add an Indian version of this (where instead of nine hundred eighty-seven thousand four hundred fifty-one the output would be nine lakhs eighty-seven thousand four hundred fity-one for example).  I will update this page with such a formula (and UDF) once it is ready.

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