CREATE FUNCTION [dbo].[fnNumberToEnglish](@Money AS money)
RETURNS VARCHAR(1024)
AS

BEGIN

DECLARE @Number as BIGINT

SET @Number = FLOOR(@Money)

DECLARE @Below20 TABLE (ID int identity(0,1), Word varchar(32))

DECLARE @Below100 TABLE (ID int identity(2,1), Word varchar(32))

INSERT @Below20 (Word) VALUES

          ( 'Zero'), ('One'),( 'Two' ), ( 'Three'),

          ( 'Four' ), ( 'Five' ), ( 'Six' ), ( 'Seven' ),

          ( 'Eight'), ( 'Nine'), ( 'Ten'), ( 'Eleven' ),

          ( 'Twelve' ), ( 'Thirteen' ), ( 'Fourteen'),

          ( 'Fifteen' ), ('Sixteen' ), ( 'Seventeen'),

          ('Eighteen' ), ( 'Nineteen' )

 INSERT @Below100 VALUES ('Twenty'), ('Thirty'),('Forty'), ('Fifty'),

             ('Sixty'), ('Seventy'), ('Eighty'), ('Ninety')

DECLARE @English varchar(1024) =
(
  SELECT Case
  WHEN @Number = 0 THEN  ''
  WHEN @Number BETWEEN 1 AND 19
  THEN (SELECT Word FROM @Below20 WHERE ID=@Number)
  WHEN @Number BETWEEN 20 AND 99
  -- SQL Server recursive function

  THEN  (SELECT Word FROM @Below100 WHERE ID=@Number/10)+ '-' +
   dbo.fnMoneyToEnglish( @Number % 10)
   WHEN @Number BETWEEN 100 AND 999
   THEN  (dbo.fnMoneyToEnglish( @Number / 100))+' Hundred '+

 dbo.fnMoneyToEnglish( @Number % 100)

 WHEN @Number BETWEEN 1000 AND 999999
 THEN  (dbo.fnMoneyToEnglish( @Number / 1000))+' Thousand '+
 dbo.fnMoneyToEnglish( @Number % 1000)
 WHEN @Number BETWEEN 1000000 AND 999999999
 THEN  (dbo.fnMoneyToEnglish( @Number / 1000000))+' Million '+
 dbo.fnMoneyToEnglish( @Number % 1000000)

 ELSE ' INVALID INPUT' END

)

SELECT @English = RTRIM(@English)

SELECT @English = RTRIM(LEFT(@English,len(@English)-1))
WHERE RIGHT(@English,1)='-'

IF @@NestLevel = 1
BEGIN

SELECT @English = @English+' POINT '

SELECT @English = @English+

convert(varchar,convert(int,100*(@Money - @Number)))

END

RETURN (@English)

END