**1. Overview**

In this tutorial, we'll see how we can convert a monetary amount into words-representation in Java.

We'll also see how a custom implementation could look like, via an external library – Tradukisto.

**2. Implementation**

Let's first start with our own implementation. **The first step is to declare two ***String* arrays with the following elements:

```
public static String[] ones = {
"", "one", "two", "three", "four",
"five", "six", "seven", "eight",
"nine", "ten", "eleven", "twelve",
"thirteen", "fourteen", "fifteen",
"sixteen", "seventeen", "eighteen",
"nineteen"
};
public static String[] tens = {
"", // 0
"", // 1
"twenty", // 2
"thirty", // 3
"forty", // 4
"fifty", // 5
"sixty", // 6
"seventy", // 7
"eighty", // 8
"ninety" // 9
};
```

When we receive an input, we'll need to handle the invalid values (zero and negative values). **Once a valid input is received, we can extract the number of dollars and cents into variables:**

```
long dollars = (long) money;
long cents = Math.round((money - dollars) * 100);
```

If the number given is less than 20, then we'll get the appropriate *ones' *element from the array based on the index:

```
if (n < 20) {
return ones[(int) n];
}
```

We'll use a similar approach for numbers less than 100, but now we have to use *tens *array as well:

```
if (n < 100) {
return tens[(int) n / 10]
+ ((n % 10 != 0) ? " " : "")
+ ones[(int) n % 10];
}
```

We do this similarly for numbers that are less than one thousand.

Next, we use recursive calls to deal with numbers that are less than one million, as shown below:

```
if (n < 1_000_000) {
return convert(n / 1000) + " thousand" + ((n % 1000 != 0) ? " " : "")
+ convert(n % 1000);
}
```

The same approach is used for numbers that are less than one billion, and so on.

Here is the main method that can be called to do this conversion:

```
public static String getMoneyIntoWords(double money) {
long dollars = (long) money;
long cents = Math.round((money - dollars) * 100);
if (money == 0D) {
return "";
}
if (money < 0) {
return INVALID_INPUT_GIVEN;
}
String dollarsPart = "";
if (dollars > 0) {
dollarsPart = convert(dollars)
+ " dollar"
+ (dollars == 1 ? "" : "s");
}
String centsPart = "";
if (cents > 0) {
if (dollarParts.length() > 0) {
centsPart = " and ";
}
centsPart += convert(cents) + " cent" + (cents == 1 ? "" : "s");
}
return dollarsPart + centsPart;
}
```

Let's test our code to make sure it works:

```
@Test
void whenGivenDollarsAndCents_thenReturnWords() {
String expectedResult
= "nine hundred twenty four dollars and sixty cents";
assertEquals(
expectedResult,
NumberWordConverter.getMoneyIntoWords(924.6));
}
@Test
void whenTwoBillionDollarsGiven_thenReturnWords() {
String expectedResult
= "two billion one hundred thirty three million two hundred"
+ " forty seven thousand eight hundred ten dollars";
assertEquals(
expectedResult,
NumberWordConverter.getMoneyIntoWords(2_133_247_810));
}
@Test
void whenThirtyMillionDollarsGiven_thenReturnWords() {
String expectedResult
= "thirty three million three hundred forty eight thousand nine hundred seventy eight dollars";
assertEquals(
expectedResult,
NumberWordConverter.getMoneyIntoWords(33_348_978));
}
```

Let's also test some edge cases, and make sure we have covered them as well:

```
@Test
void whenZeroDollarsGiven_thenReturnEmptyString() {
assertEquals("", NumberWordConverter.getMoneyIntoWords(0));
}
@Test
void whenNoDollarsAndNineFiveNineCents_thenCorrectRounding() {
assertEquals(
"ninety six cents",
NumberWordConverter.getMoneyIntoWords(0.959));
}
@Test
void whenNoDollarsAndOneCent_thenReturnCentSingular() {
assertEquals(
"one cent",
NumberWordConverter.getMoneyIntoWords(0.01));
}
```

**3. Using a Library**

Now that we've implemented our own algorithm, let's do this conversion by using an existing library.

*Tradukisto* is a library for Java 8+, which can help us convert numbers to their word representations. First, we need to import it into our project (the latest version of this library can be found here):

```
<dependency>
<groupId>pl.allegro.finance</groupId>
<artifactId>tradukisto</artifactId>
<version>1.0.1</version>
</dependency>
```

We can now use *MoneyConverters*‘s *asWords()* method to do this conversion:

```
public String getMoneyIntoWords(String input) {
MoneyConverters converter = MoneyConverters.ENGLISH_BANKING_MONEY_VALUE;
return converter.asWords(new BigDecimal(input));
}
```

Let's test this method with a simple test case:

```
@Test
void whenGivenDollarsAndCents_thenReturnWordsVersionTwo() {
assertEquals(
"three hundred ten Â£ 00/100",
NumberWordConverter.getMoneyIntoWords("310"));
}
```

We could also use the ICU4J library to do this, but it's a large one and comes with many other features that are out of the scope of this article.

However, have a look at it if Unicode and globalization support is needed.

**4. Conclusion**

In this quick article, we saw two approaches on how to do the conversion of a sum of money into words.

The code for all the examples explained here, and much more can be found over on GitHub.

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