我用过了几年的公式
=SUBSTITUTE(SUBSTITUTE(IF(A1<0,"负","")&TEXT(TRUNC(ABS(ROUND(A1,2))),"[dbnum2]")&"元"&IF(ISERR(FIND(".",ROUND(A1,2))),"",TEXT(RIGHT(TRUNC(ROUND(A1,2)*10)),"[dbnum2]"))&IF(ISERR(FIND(".0",TEXT(A1,"0.00"))),"角","")&IF(LEFT(RIGHT(ROUND(A1,2),3))=".",TEXT(RIGHT(ROUND(A1,2)),"[dbnum2]")&"分","")&IF(ROUND(A1,1)=A1,"整",""),"零元零",""),"零元","")
A1为合计金额的所在行列。