function numtowords($num){
    $ones = array(
        1 => "one",
        2 => "two",
        3 => "three",
        4 => "four",
        5 => "five",
        6 => "six",
        7 => "seven",
        8 => "eight",
        9 => "nine",
        10 => "ten",
        11 => "eleven",
        12 => "twelve",
        13 => "thirteen",
        14 => "fourteen",
        15 => "fifteen",
        16 => "sixteen",
        17 => "seventeen",
        18 => "eighteen",
        19 => "nineteen"
        );
    $tens = array(
        2 => "twenty",
        3 => "thirty",
        4 => "forty",
        5 => "fifty",
        6 => "sixty",
        7 => "seventy",
        8 => "eighty",
        9 => "ninety"
    );
    $hundreds = array(
        "hundred",
        "thousand",
        "million",
        "billion",
        "trillion",
        "quadrillion"
    );
     
    $num = number_format($num,2,".",",");
    $num_arr = explode(".",$num);
    $wholenum = $num_arr[0];
    $decnum = $num_arr[1];
    $whole_arr = array_reverse(explode(",",$wholenum));
    krsort($whole_arr);
    $rettxt = "";
    foreach($whole_arr as $key => $i){
        if($i < 20){
            $rettxt .= $ones[$i];
        }elseif($i < 100){
            $rettxt .= $tens[substr($i,0,1)];
            $rettxt .= " ".$ones[substr($i,1,1)];
        }else{
            $rettxt .= $ones[substr($i,0,1)]." ".$hundreds[0];
            $rettxt .= " ".$tens[substr($i,1,1)];
            $rettxt .= " ".$ones[substr($i,2,1)];
        }
        if($key > 0){
            $rettxt .= " ".$hundreds[$key]." ";
        }
    }
    if($decnum > 0){
    $rettxt .= " and ";
        if($decnum < 20){
            $rettxt .= $ones[$decnum];
        }elseif($decnum < 100){
            $rettxt .= $tens[substr($decnum,0,1)];
            $rettxt .= " ".$ones[substr($decnum,1,1)];
        }
    }
    return $rettxt;
}