How to convert decimal number to words (money format) using PHP?

indian version

function convert_number_to_words($number) {

    $hyphen      = '-';
    $conjunction = ' and ';
    $separator   = ', ';
    $negative    = 'negative ';
    $decimal     = ' point ';
    $dictionary  = array(
        0                   => 'zero',
        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',
        20                  => 'twenty',
        30                  => 'thirty',
        40                  => 'fourty',
        50                  => 'fifty',
        60                  => 'sixty',
        70                  => 'seventy',
        80                  => 'eighty',
        90                  => 'ninety',
        100                 => 'hundred',
        1000                => 'thousand',
        100000             => 'lakh',
        10000000          => 'crore'
    );

    if (!is_numeric($number)) {
        return false;
    }

    if (($number >= 0 && (int) $number < 0) || (int) $number < 0 - PHP_INT_MAX) {
        // overflow
        trigger_error(
            'convert_number_to_words only accepts numbers between -' . PHP_INT_MAX . ' and ' . PHP_INT_MAX,
            E_USER_WARNING
        );
        return false;
    }

    if ($number < 0) {
        return $negative . $this->convert_number_to_words(abs($number));
    }

    $string = $fraction = null;

    if (strpos($number, '.') !== false) {
        list($number, $fraction) = explode('.', $number);
    }

    switch (true) {
        case $number < 21:
            $string = $dictionary[$number];
            break;
        case $number < 100:
            $tens   = ((int) ($number / 10)) * 10;
            $units  = $number % 10;
            $string = $dictionary[$tens];
            if ($units) {
                $string .= $hyphen . $dictionary[$units];
            }
            break;
        case $number < 1000:
            $hundreds  = $number / 100;
            $remainder = $number % 100;
            $string = $dictionary[$hundreds] . ' ' . $dictionary[100];
            if ($remainder) {
                $string .= $conjunction . $this->convert_number_to_words($remainder);
            }
            break;
        case $number < 100000:
            $thousands   = ((int) ($number / 1000));
            $remainder = $number % 1000;

            $thousands = $this->convert_number_to_words($thousands);

            $string .= $thousands . ' ' . $dictionary[1000];
            if ($remainder) {
                $string .= $separator . $this->convert_number_to_words($remainder);
            }
            break;
        case $number < 10000000:
            $lakhs   = ((int) ($number / 100000));
            $remainder = $number % 100000;

            $lakhs = $this->convert_number_to_words($lakhs);

            $string = $lakhs . ' ' . $dictionary[100000];
            if ($remainder) {
                $string .= $separator . $this->convert_number_to_words($remainder);
            }
            break;
        case $number < 1000000000:
            $crores   = ((int) ($number / 10000000));
            $remainder = $number % 10000000;

            $crores = $this->convert_number_to_words($crores);

            $string = $crores . ' ' . $dictionary[10000000];
            if ($remainder) {
                $string .= $separator . $this->convert_number_to_words($remainder);
            }
            break;
        default:
            $baseUnit = pow(1000, floor(log($number, 1000)));
            $numBaseUnits = (int) ($number / $baseUnit);
            $remainder = $number % $baseUnit;
            $string = $this->convert_number_to_words($numBaseUnits) . ' ' . $dictionary[$baseUnit];
            if ($remainder) {
                $string .= $remainder < 100 ? $conjunction : $separator;
                $string .= $this->convert_number_to_words($remainder);
            }
            break;
    }

    if (null !== $fraction && is_numeric($fraction)) {
        $string .= $decimal;
        $words = array();
        foreach (str_split((string) $fraction) as $number) {
            $words[] = $dictionary[$number];
        }
        $string .= implode(' ', $words);
    }

    return $string;
}

There's a PEAR library that can do this.

EDIT

Or you can, at the end of your code, do this

echo $test . ' cents';