How to Enable Amount-in-Words (Taka & Paisa) in Microsoft Excel

(Bangladesh Crore–Lakh Format | No VBA | Formula-Only Solution)

Microsoft Excel does not natively provide a built-in “Amount in Words” function for currency. However, using modern Excel functions like LAMBDA and LET, we can create a reusable formula that converts numbers into words in Bangladeshi number format (Crore–Lakh–Thousand) — including Taka and Paisa.

This guide shows how to enable it step-by-step using only worksheet formulas (no VBA, no macros).

Requirements

• Excel 365 / Excel 2021 or later\
• LAMBDA function support

Test LAMBDA support:

=LAMBDA(x,x)(1)

If it returns 1, your Excel supports LAMBDA.

Step 1 — Create the Word2 Function (0–99)

Go to:

Formulas → Name Manager → New

• Name: Word2
• Scope: Workbook
• Refers to:

=LAMBDA(n,
LET(
x,INT(n),
u,LAMBDA(k,CHOOSE(k+1,"Zero","One","Two","Three","Four","Five","Six","Seven","Eight","Nine","Ten","Eleven","Twelve","Thirteen","Fourteen","Fifteen","Sixteen","Seventeen","Eighteen","Nineteen")),
tens,INT(x/10),
ones,MOD(x,10),
tt,IF(tens=2,"Twenty",
   IF(tens=3,"Thirty",
   IF(tens=4,"Forty",
   IF(tens=5,"Fifty",
   IF(tens=6,"Sixty",
   IF(tens=7,"Seventy",
   IF(tens=8,"Eighty",
   IF(tens=9,"Ninety","")))))))),
IF(x<20,
u(x),
IF(ones=0,
tt,
tt&"-"&u(ones)
)
)
)
)

Step 2 — Create the Word3 Function (0–999)

• Name: Word3
• Scope: Workbook
• Refers to:

=LAMBDA(n,
LET(
x,INT(n),
h,INT(x/100),
r,MOD(x,100),
TRIM(
IF(h=0,"",Word2(h)&" Hundred")&
IF(AND(h>0,r>0)," and ","")&
IF(r=0,"",Word2(r))
)
)
)

Step 3 — Create the Main Function: BDTWORDS (Taka + Paisa)

• Name: BDTWORDS
• Scope: Workbook
• Refers to:

=LAMBDA(amount,
LET(
neg,amount<0,
a,ABS(amount),
tk,INT(a),
ps,ROUND(MOD(a,1)*100,0),

cro,INT(tk/10000000),
rem,MOD(tk,10000000),
lak,INT(rem/100000),
remb,MOD(rem,100000),
tho,INT(remb/1000),
bal,MOD(remb,1000),

takaTxt,TRIM(
IF(cro>0,Word3(cro)&" Crore ","")&
IF(lak>0,Word3(lak)&" Lakh ","")&
IF(tho>0,Word3(tho)&" Thousand ","")&
IF(bal>0,Word3(bal),"")
),

paisaTxt,IF(ps=0,""," and "&Word2(ps)&" Paisa"),
sign,IF(neg,"Minus ",""),

IF(tk=0,
sign&"Zero Taka"&IF(ps=0," Only",paisaTxt&" Only"),
sign&takaTxt&" Taka"&IF(ps=0," Only",paisaTxt&" Only")
)
)
)

How to Use

If the amount is in cell A1:

=BDTWORDS(A1)

Example Outputs

• 19966612.24 → One Crore Ninety-Nine Lakh Sixty-Six Thousand Six Hundred and Twelve Taka and Twenty-Four Paisa Only\
• 100.00 → One Hundred Taka Only\
• 0.75 → Zero Taka and Seventy-Five Paisa Only\
• -12.50 → Minus Twelve Taka and Fifty Paisa Only

Conclusion

You now have a reusable, macro-free Amount in Words feature inside Excel using only modern formulas.
This is ideal for financial documents, invoices, budgets, audit sheets, and reporting.

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