Number to Words

On the short scale used in English, a billion is a thousand million. On the long scale still used in much of continental Europe, a billion is a million million. The tool defaults to the short scale and lets you switch, because getting this wrong on a contract is a factor of a thousand.

Yes — currency mode produces the conventional form with the major unit in words and the minor unit as words or as a fraction, which is how banks expect it.

English fully, with correct hyphenation and the "and" placement British usage expects. Other languages have grammatical agreement rules that a naive implementation gets wrong, so they are not offered rather than offered badly.

Yes. The major and minor unit names are plain text fields, so you can set them to pounds and pence, euros and cents, or rupees and paise. The tool spells the figures and inserts whatever names you give it — it does not convert between currencies or know exchange rates.

Cardinal mode reads the digits after the point one at a time — 1234.56 becomes "one thousand two hundred and thirty-four point five six", which is the convention for reading a figure aloud. Currency mode instead rounds to two places and names them as the minor unit.

Yes. There is no account, no daily cap, no file-size tier and no watermark, because there is no server cost to recover. The site is funded by clearly disclosed partner recommendations on the Partners page, never by metering the tools.

No. Everything is processed by JavaScript running in your browser, on your device. You can verify it: open your browser's developer tools, switch to the Network tab, and use the tool. You will see no request carrying your data — because there is nowhere for it to go.