The first time I was asked a question around this was in 2016 at a training I had for eHealth Africa in Kano. A couple of the finance managers wanted to be able to convert money amounts to words with Naira and kobo in appropriate places.

Then two weeks ago in Abuja, I got asked the same question by finance team at HSDF and it became obvious to me that it is a problem many people would like easy steps to accomplishing. Many people who come across solutions online still face roadblocks in implementing the solution satisfactorily.

Well, as a patriotic Nigerian, I have come in my shining armor to give every Nigerian an almost plug and play solution with easy to understand steps.

**Solution (Warri style)**

Download these two Excel files that I saved as add-in files: https://urbizedge.blob.core.windows.net/urbizedge/Numbers2Words.xlam and https://urbizedge.blob.core.windows.net/urbizedge/Numbers2WordsUSD.xlam

Then go to File, Options, Add-ins and click on Go in front of Manage Excel Add-ins.

Click on browse to pick the files (one at a time).

Ensure they are ticked as part of enabled/available add-ins.

And that's all! Now, go and type less henceforth.

**Explanation (Brother Jero style)**

What we are trying to achieve is a simple task called User Defined Function -- creating our own formulas that the Engineers at Microsoft didn't include in Excel. Unfortunately, the process is not straightforward. We would have to not get on the wrong side of Amope (VBA).

We would use a modified version of this boilerplate from Microsoft with some extra tweaks from Ablebits.

Here's the one for Naira and Kobo:

Option Explicit

'Main Function

Function SpellNumberNGN(ByVal MyNumber)

Dim Naira, Kobo, Temp

Dim DecimalPlace, Count

ReDim Place(9) As String

Place(2) = " Thousand "

Place(3) = " Million "

Place(4) = " Billion "

Place(5) = " Trillion "

MyNumber = Trim(Str(MyNumber))

DecimalPlace = InStr(MyNumber, ".")

If DecimalPlace > 0 Then

Kobo = GetTens(Left(Mid(MyNumber, DecimalPlace + 1) & _

"00", 2))

MyNumber = Trim(Left(MyNumber, DecimalPlace - 1))

End If

Count = 1

Do While MyNumber <> ""

Temp = GetHundreds(Right(MyNumber, 3))

If Temp <> "" Then Naira = Temp & Place(Count) & Naira

If Len(MyNumber) > 3 Then

MyNumber = Left(MyNumber, Len(MyNumber) - 3)

Else

MyNumber = ""

End If

Count = Count + 1

Loop

Select Case Naira

Case ""

Naira = ""

Case "One"

Naira = "One Naira"

Case Else

Naira = Naira & " Naira"

End Select

Select Case Kobo

Case ""

Kobo = ""

Case "One"

Kobo = " and One Kobo"

Case Else

Kobo = " and " & Kobo & " Kobo"

End Select

SpellNumberNGN = Naira & Kobo

End Function

Function GetHundreds(ByVal MyNumber)

Dim Result As String

If Val(MyNumber) = 0 Then Exit Function

MyNumber = Right("000" & MyNumber, 3)

' Convert the hundreds place.

If Mid(MyNumber, 1, 1) <> "0" Then

Result = GetDigit(Mid(MyNumber, 1, 1)) & " Hundred "

End If

' Convert the tens and ones place.

If Mid(MyNumber, 2, 1) <> "0" Then

Result = Result & GetTens(Mid(MyNumber, 2))

Else

Result = Result & GetDigit(Mid(MyNumber, 3))

End If

GetHundreds = Result

End Function

Function GetTens(TensText)

Dim Result As String

Result = "" ' Null out the temporary function value.

If Val(Left(TensText, 1)) = 1 Then ' If value between 10-19...

Select Case Val(TensText)

Case 10: Result = "Ten"

Case 11: Result = "Eleven"

Case 12: Result = "Twelve"

Case 13: Result = "Thirteen"

Case 14: Result = "Fourteen"

Case 15: Result = "Fifteen"

Case 16: Result = "Sixteen"

Case 17: Result = "Seventeen"

Case 18: Result = "Eighteen"

Case 19: Result = "Nineteen"

Case Else

End Select

Else ' If value between 20-99...

Select Case Val(Left(TensText, 1))

Case 2: Result = "Twenty "

Case 3: Result = "Thirty "

Case 4: Result = "Forty "

Case 5: Result = "Fifty "

Case 6: Result = "Sixty "

Case 7: Result = "Seventy "

Case 8: Result = "Eighty "

Case 9: Result = "Ninety "

Case Else

End Select

Result = Result & GetDigit _

(Right(TensText, 1)) ' Retrieve ones place.

End If

GetTens = Result

End Function

Function GetDigit(Digit)

Select Case Val(Digit)

Case 1: GetDigit = "One"

Case 2: GetDigit = "Two"

Case 3: GetDigit = "Three"

Case 4: GetDigit = "Four"

Case 5: GetDigit = "Five"

Case 6: GetDigit = "Six"

Case 7: GetDigit = "Seven"

Case 8: GetDigit = "Eight"

Case 9: GetDigit = "Nine"

Case Else: GetDigit = ""

End Select

End Function

You will copy this. Open an empty/new Excel file, press Alt + F11. The VBA Editor will open. On the menu, select Insert and click on Module. Then paste the code above in it.

Save (CTRL + S), but choose Excel Add-in as the save as type.

**Importantly, do not change the default folder Excel will automatically change to for saving for the file. If you do this, then you are OYO.**

Now we are almost there.

Repeat same steps for dollar and cents (if you need it). Here is the code for that:

Option Explicit

'Main Function

Function SpellNumberUSD(ByVal MyNumber)

Dim Dollars, Cents, Temp

Dim DecimalPlace, Count

ReDim Place(9) As String

Place(2) = " Thousand "

Place(3) = " Million "

Place(4) = " Billion "

Place(5) = " Trillion "

MyNumber = Trim(Str(MyNumber))

DecimalPlace = InStr(MyNumber, ".")

If DecimalPlace > 0 Then

Cents = GetTens(Left(Mid(MyNumber, DecimalPlace + 1) & _

"00", 2))

MyNumber = Trim(Left(MyNumber, DecimalPlace - 1))

End If

Count = 1

Do While MyNumber <> ""

Temp = GetHundreds(Right(MyNumber, 3))

If Temp <> "" Then Dollars = Temp & Place(Count) & Dollars

If Len(MyNumber) > 3 Then

MyNumber = Left(MyNumber, Len(MyNumber) - 3)

Else

MyNumber = ""

End If

Count = Count + 1

Loop

Select Case Dollars

Case ""

Dollars = "No Dollars"

Case "One"

Dollars = "One Dollar"

Case Else

Dollars = Dollars & " Dollars"

End Select

Select Case Cents

Case ""

Cents = ""

Case "One"

Cents = " and One Cent"

Case Else

Cents = " and " & Cents & " Cents"

End Select

SpellNumberUSD = Dollars & Cents

End Function

Function GetHundreds(ByVal MyNumber)

Dim Result As String

If Val(MyNumber) = 0 Then Exit Function

MyNumber = Right("000" & MyNumber, 3)

' Convert the hundreds place.

If Mid(MyNumber, 1, 1) <> "0" Then

Result = GetDigit(Mid(MyNumber, 1, 1)) & " Hundred "

End If

' Convert the tens and ones place.

If Mid(MyNumber, 2, 1) <> "0" Then

Result = Result & GetTens(Mid(MyNumber, 2))

Else

Result = Result & GetDigit(Mid(MyNumber, 3))

End If

GetHundreds = Result

End Function

Function GetTens(TensText)

Dim Result As String

Result = "" ' Null out the temporary function value.

If Val(Left(TensText, 1)) = 1 Then ' If value between 10-19...

Select Case Val(TensText)

Case 10: Result = "Ten"

Case 11: Result = "Eleven"

Case 12: Result = "Twelve"

Case 13: Result = "Thirteen"

Case 14: Result = "Fourteen"

Case 15: Result = "Fifteen"

Case 16: Result = "Sixteen"

Case 17: Result = "Seventeen"

Case 18: Result = "Eighteen"

Case 19: Result = "Nineteen"

Case Else

End Select

Else ' If value between 20-99...

Select Case Val(Left(TensText, 1))

Case 2: Result = "Twenty "

Case 3: Result = "Thirty "

Case 4: Result = "Forty "

Case 5: Result = "Fifty "

Case 6: Result = "Sixty "

Case 7: Result = "Seventy "

Case 8: Result = "Eighty "

Case 9: Result = "Ninety "

Case Else

End Select

Result = Result & GetDigit _

(Right(TensText, 1)) ' Retrieve ones place.

End If

GetTens = Result

End Function

Function GetDigit(Digit)

Select Case Val(Digit)

Case 1: GetDigit = "One"

Case 2: GetDigit = "Two"

Case 3: GetDigit = "Three"

Case 4: GetDigit = "Four"

Case 5: GetDigit = "Five"

Case 6: GetDigit = "Six"

Case 7: GetDigit = "Seven"

Case 8: GetDigit = "Eight"

Case 9: GetDigit = "Nine"

Case Else: GetDigit = ""

End Select

End Function

And now you do the steps I put under the solution section, except that you'll see the add-ins there without needing to browse to them. Ensure they are ticked.

And from now on, you'll have the two formulas that can convert numbers to words (naira/kobo and dollars/cents).

Again, I say to you: enjoy!