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

Question

I just need a little help here. Because I am creating a code for converting decimals to Money format in words. For example if

I have this number

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Answer 1

 '', '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' => 'Forty', '50' => 'Fifty',
    '60' => 'Sixty', '70' => 'Seventy',
    '80' => 'Eighty', '90' => 'Ninety');
$digits = array('', 'Hundred', 'Thousand', 'Lakh', 'Crore');
while ($i < $digits_1) {
$divider = ($i == 2) ? 10 : 100;
$number = floor($no % $divider);
$no = floor($no / $divider);
$i += ($divider == 10) ? 1 : 2;
if ($number) {
    $plural = (($counter = count($str)) && $number > 9) ? 's' : null;
    $hundred = ($counter == 1 && $str[0]) ? ' and ' : null;
    $str [] = ($number < 21) ? $words[$number] .
                " " . $digits[$counter] . $plural . " " . $hundred
                :
                $words[floor($number / 10) * 10]
                . " " . $words[$number % 10] . " "
                . $digits[$counter] . $plural . " " . $hundred;
            } else $str[] = null;
              }
$str = array_reverse($str);
$result = implode('', $str);
$points = ($point) ?
          "." . $words[$point / 10] . " " . 
          $words[$point = $point % 10] : '';
          echo $result . "  " . $points . "Only ";
 ?>