MS OFFICE FUN

There is no built-in formula in excel, you have to add a vb script and permanently save it with your MS. Excel's installation as Add-In.

Function English(ByVal N As Currency) As String
   Const Thousand = 1000@
   Const Million = Thousand * Thousand
   Const Billion = Thousand * Million
   Const Trillion = Thousand * Billion
   If (N = 0@) Then English = "zero": Exit Function
   Dim Buf As String: If (N < 0@) Then Buf = "negative " Else Buf = ""
   Dim Frac As Currency: Frac = Abs(N - Fix(N))
   If (N < 0@ Or Frac <> 0@) Then N = Abs(Fix(N))
   Dim AtLeastOne As Integer: AtLeastOne = N >= 1
   If (N >= Trillion) Then
       Debug.Print N
       Buf = Buf & EnglishDigitGroup(Int(N / Trillion)) & " trillion"
       N = N - Int(N / Trillion) * Trillion
       If (N >= 1@) Then Buf = Buf & " "
   End If
   If (N >= Billion) Then
       Debug.Print N
       Buf = Buf & EnglishDigitGroup(Int(N / Billion)) & " billion"
       N = N - Int(N / Billion) * Billion
       If (N >= 1@) Then Buf = Buf & " "
   End If
   If (N >= Million) Then
       Debug.Print N
       Buf = Buf & EnglishDigitGroup(N \ Million) & " million"
       N = N Mod Million
       If (N >= 1@) Then Buf = Buf & " "
   End If
   If (N >= Thousand) Then
       Debug.Print N
       Buf = Buf & EnglishDigitGroup(N \ Thousand) & " thousand"
       N = N Mod Thousand
       If (N >= 1@) Then Buf = Buf & " "
   End If
   If (N >= 1@) Then
       Debug.Print N
       Buf = Buf & EnglishDigitGroup(N)
   End If
   If (Frac = 0@) Then
       Buf = Buf & " exactly"
   ElseIf (Int(Frac * 100@) = Frac * 100@) Then
       If AtLeastOne Then Buf = Buf & " and "
       Buf = Buf & Format$(Frac * 100@, "00") & "/100"
   Else
       If AtLeastOne Then Buf = Buf & " and "
       Buf = Buf & Format$(Frac * 10000@, "0000") & "/10000"
   End If
   English = Buf
End Function

Private Function EnglishDigitGroup(ByVal N As Integer) As String
   Const Hundred = " hundred"
   Const One = "one"
   Const Two = "two"
   Const Three = "three"
   Const Four = "four"
   Const Five = "five"
   Const Six = "six"
   Const Seven = "seven"
   Const Eight = "eight"
   Const Nine = "nine"
   Dim Buf As String: Buf = ""
   Dim Flag As Integer: Flag = False
   Select Case (N \ 100)
       Case 0: Buf = "": Flag = False
       Case 1: Buf = One & Hundred: Flag = True
       Case 2: Buf = Two & Hundred: Flag = True
       Case 3: Buf = Three & Hundred: Flag = True
       Case 4: Buf = Four & Hundred: Flag = True
       Case 5: Buf = Five & Hundred: Flag = True
       Case 6: Buf = Six & Hundred: Flag = True
       Case 7: Buf = Seven & Hundred: Flag = True
       Case 8: Buf = Eight & Hundred: Flag = True
       Case 9: Buf = Nine & Hundred: Flag = True
   End Select
   If (Flag <> False) Then N = N Mod 100
   If (N > 0) Then
       If (Flag <> False) Then Buf = Buf & " "
   Else
       EnglishDigitGroup = Buf
       Exit Function
   End If
   Select Case (N \ 10)
       Case 0, 1: Flag = False
       Case 2: Buf = Buf & "twenty": Flag = True
       Case 3: Buf = Buf & "thirty": Flag = True
       Case 4: Buf = Buf & "forty": Flag = True
       Case 5: Buf = Buf & "fifty": Flag = True
       Case 6: Buf = Buf & "sixty": Flag = True
       Case 7: Buf = Buf & "seventy": Flag = True
       Case 8: Buf = Buf & "eighty": Flag = True
       Case 9: Buf = Buf & "ninety": Flag = True
   End Select
   If (Flag <> False) Then N = N Mod 10
   If (N > 0) Then
       If (Flag <> False) Then Buf = Buf & "-"
   Else
       EnglishDigitGroup = Buf
       Exit Function
   End If
   Select Case (N)
       Case 0:
       Case 1: Buf = Buf & One
       Case 2: Buf = Buf & Two
       Case 3: Buf = Buf & Three
       Case 4: Buf = Buf & Four
       Case 5: Buf = Buf & Five
       Case 6: Buf = Buf & Six
       Case 7: Buf = Buf & Seven
       Case 8: Buf = Buf & Eight
       Case 9: Buf = Buf & Nine
       Case 10: Buf = Buf & "ten"
       Case 11: Buf = Buf & "eleven"
       Case 12: Buf = Buf & "twelve"
       Case 13: Buf = Buf & "thirteen"
       Case 14: Buf = Buf & "fourteen"
       Case 15: Buf = Buf & "fifteen"
       Case 16: Buf = Buf & "sixteen"
       Case 17: Buf = Buf & "seventeen"
       Case 18: Buf = Buf & "eighteen"
       Case 19: Buf = Buf & "nineteen"
   End Select
   EnglishDigitGroup = Buf
End Function .

=English (100)
Result: "one hundred exactly"

=English (125)
Result: "one hundred twenty-five exactly"

=English (125.3)
Result: "one hundred twenty-five and 30/100"

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