@Djc Nice! This is dlr,CONCAT(MAP(--MID(wd,{1,4,7,10,13,14},{3,3,3,3,1,2}),{"Trillion","Billion","Million","Thousand","Hundred",""},IF({1,1,1,1,0,0},SPELL3,SPELL),LAMBDA(v,a,fn,fn(v,a)))), definitely a improvement. Thanks for suggestions. I will tweak your formula to eliminate zero dollar and zero cent when there is no value. Or you can also do that for me.