Spelling numbers out in words is needed for cheques, legal documents, invoices, and formal writing, where the written form is the authoritative one. English has a regular structure once you break a number into groups of three digits, with one small regional twist around the word “and”.
How it works
The number is split into three-digit groups from the right. Each group is converted using the words for hundreds, tens, and units, then labelled with its scale word:
groups (right to left): units, thousand, million, billion, ...
each group of 3 digits -> "<hundreds> hundred <tens>-<units>"
join groups with their scale word
British: insert "and" before a final group below 100,
and inside any "hundred" + remainder within a group
So 521,947 becomes “five hundred and twenty-one thousand nine hundred and forty-seven” in British style. The American style is identical except the “and” words are left out.
Tips and example
For 1,042 the British output is “one thousand and forty-two” and the American output is “one thousand forty-two”. For a round number like 1,000,000 both styles give “one million”. When writing a cheque, spell the pounds or dollars here and append the minor units in words separately. Remember that on a cheque the words legally override the figures, so the spelled-out amount must match the numerals exactly.