How to Naturally Say Numbers Currency and Dates in US Business English

How to Say Numbers in English [U.S. Executive Business English]

How to Naturally Say Numbers, Currency and Dates in Business English

How often do you find yourself confused about how to naturally say numbers in English – and then also trying to say currency and dates?

In your native language? This is no problem at all – it is very normal and natural.

In English? You sound like you don’t know anything about finance and your colleagues and clients do not have confidence in you because you are not able to clearly communicate numbers.

♦️ When your listener doesn’t have confidence in you, they don’t trust you!

Let’s look at how you can naturally communicate different kinds of numbers and dates in American English. I’ll focus on American English, because…well, that’s what I know. I will show some differences between how numbers and dates are presented in different countries.

This article will cover the following:

  • Big Numbers
  • Currency/Prices
  • Small Numbers
  • Decimals
  • Years
  • Centuries
  • Decades
  • Dates

Big Numbers

As we begin this journey of understanding numbers, you’ll be given a series of examples. Let’s begin by assuming that the numbers are actual numbers and not currency ($, Euro, etc.).

🔥632 is pronounced as six hundred, thirty-two.

How to Say Whole Numbers in English

Expand the number

If we expand the number to 354,632, the most helpful technique is to chunk the numbers into small groups of three digits and separate them with a comma.

🔥This number is three hundred fifty-four thousand, six hundred thirty-two.

There is no reason to include an “and” between the chunks of numbers. Additionally, there is no reason to include an “and” anywhere when saying or writing this number.

It is customary in the U.S. to use this format, and other countries will differ. You will find many countries use “and” often.

Expand the number more

If we expand the number to 292,354,632, we now create three chunks, separated by commas, and again, we don’t need to use the word “and” when we say this number.

🔥It is naturally said as two hundred ninety-two million, three hundred fifty-four thousand, six hundred thirty-two.,

And if we continue expanding the number to include a decimal point, another change will occur.

It is important to remember that we are still discussing numbers in our example and not currency.

A couple of important changes take place. First, you’ll include the decimal point that signifies a number less than one. For the most part, when you say this number in the US, you’ll usually use the word “point” to describe the decimal point.

In contrast, in other parts of the world, you’ll use the word “dot” to describe the decimal point.

🔥You can say this number as two hundred ninety-two million, three hundred fifty-four thousand, six hundred thirty-two, point four five.

How to Say Whole Numbers With a Decimal Point in English


Let’s turn our attention from how to say numbers, to how to say currency in English  Let’s look at how some things change when we begin using currency, such as US dollars.

The significant change is to say the currency (dollars/euros/rupees) after the last whole number, which in this case is after the 632. You will then include the words “dollars, and” and then finish by changing the “four five” to “forty-five cents.”

🔥 You will say this as two hundred ninety-two million, three hundred fifty-four thousand, six hundred thirty-two dollars, and forty-five cents.

Decimal Separator Countries

More than half of the countries in the world contrast this usage with a different format from above.. In general, the commas become decimal points, and the decimal point becomes a comma.

You will find this in most (but not all) of the countries in Europe and in many different countries worldwide. Here is more detailed information on countries that follow the decimal separator system, which aligns with the metric system.

Below is an example of the difference between these two methods, and note that you will say it the same way as described before.

Some tips to think about:

1. Don’t make words plural. Million is million, not millions. Thousand is thousand, not thousands.

Exception: The words Dollars/Euros/Rupees are plural.

2. 100 – 1,000 – 1,000,000. You can say one hundred or a hundred in almost all situations. One thousand or a thousand. One million or a million. This only applies when the numbers are 100, 1,000, and 1,000,000.

3. With currency, you will say the big numbers first, followed by the currency denomination, such as dollars or euros. For example, $34,089 is thirty-four thousand, eighty-nine dollars.

Smaller numbers

The above discussion focused on  how to say numbers and currency in English. At this point, let’s explore some common ways that many native English speakers say unique numbers in English.

Ending in ’00

Let’s look at numbers that are 9,900 or less, and end in “00.” Examples are be 200, 1,100, and 9,800.

🔥You will say 200, as two hundred.

🔥A native speaker will naturally say 1,100 as eleven hundred. It is more formal to say one thousand, one hundred. Your goal is to speak naturally, so become comfortable with eleven hundred.

🔥You will naturally say 9,800 as ninety-eight hundred.

Again this applies to numbers that are 9,900 or less, and end in 00.

The following applies to numbers and prices.

🔥As mentioned above, you will say $200 as two hundred dollars.

🔥You will naturally say $1,400 as fourteen hundred dollars.

🔥You will naturally say $7,800 as seventy-eight hundred dollars.

How to Say Numbers Ending in 00

Ending in ‘000

By comparison, if a number ends in ‘000 such as 9,000 or 98,000 or 400,000, here are some examples of how to say these numbers in English.

🔥You will say $9,000 as nine thousand dollars.

As an interesting side note, you can also say “nine grand” or “9k.” You will never write nine grand, but you will hear native speakers say it naturally. These are both very normal and very casual ways a native US speaker will say this.

🔥You will say $98,000 as ninety-eight thousand dollars, or casually you could say 98 grand (but never write this) and many native speakers will write $98k.

🔥You will say $400,000 as four hundred thousand dollars, or comfortably say as four hundred grand or you will write it as $400k.


Equally important for an executive is how to say dates in English. Let’s break down dates into a few categories. We’ll start big and then dive deeper into more detail.


One of the best tips you can use to make years sound very natural is to break the dates into two chunks as illustrated below:

How to Say Years in English

Years 2001 – 2009

In all past years of history, the first ten years of a century were always said the same way.

🔥1801 has always been said as eighteen oh one.

🔥1907 has always been said as nineteen oh seven.

But, for some reason in the years 2001 – 2009 everything changed. No idea why.

🔥2001 is said as two thousand and one, and not twenty oh one.

🔥2009 is said as two thousand and nine and not twenty oh nine.

Some things just can’t be explained. Please see examples of this below.

How to Say Years from 2001 to 2009 in English


Every 100 years is a century. There are times when you need to discuss something that happened many years ago. Here is a simple illustration of how you can naturally say different centuries in English.

Additionally, when you refer the century itself, you use a strange system. From 1800 – 1899 is referred to as the 19th Century. The image below illustrates other examples of how to say centuries in English.

How to Say Centuries in English


Often dates are described by the decade they happened in. A decade is a ten year period. It is interesting that even for native speakers, it is uncomfortable to say the 2000s (said as the two thousands), the 2010s (said as the twenty tens) and twenty twenties (2020s), so you are not alone – everyone is a little uneasy saying these.

Let’s look at some examples and how you can say them as a native US speaker will say them.

How to Say Decades in English

Specific Dates

As a non-native speaker, it is difficult to communicate dates accurately when you are speaking. Let’s look first at how you say numbers that are used for dates.

Specifically we’ll look at 1st, 2nd, 3rd, 4th, etc. In general you will put a “th” on the end of the number between 4 – 20, and 24-30. Exceptions are 1st, 2nd, 3rd, 21st, 22nd, 23rd, and 31st.

Here’s an example of how you say these numbers.

Let’s put it all together now with the month, day and year. Of course, this creates more confusion as the US is one of the only countries that uses the month – day – year format.

🔥In the US, you will naturally say January 3rd, 2021 as January third, twenty twenty-one.

You can use the table above as a guide for how to say days as part of these full dates.

🔥An alternative way to refer to this is the 3rd of January, 2021 or say it as the third of January, twenty twenty-one. When you say it in this way, it tends to fit within the format of many of the countries in the world as day-month-year.

Additionally, there are some countries that use the format of year-month-day.

The calendar can vary from country to country and dates will always be confusing. A strong recommendation is to use the format that corresponds to the country that you are using the information for.

The illustration below demonstrates how you will say dates in the US. Please note that you say the date differently than you say the year (use chunking for the year), as explained earlier in this article.

Also keep in mind, this chart shows how you say the dates when you are speaking. This differs from how you write the date.

Finally, the key with communicating naturally in business English is to practice saying these numbers and dates out loud. Try to make each of these become a natural part of your vocabulary and you will increase your communication confidence.

If you want to learn how to become a better business English Speaker, please check out this article.

Undeniably, mastering the ability to say numbers and dates will increase your confidence in your business English.

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