Arithmetic/Reading Decimal Numerals

The word and is used only for the decimal point; And is also used to separate a whole number and a fraction. A comma is used at every third place, starting at the decimal point and moving left. Frequently a comma or space is used at every third place moving to the right of the decimal point.

Additionally, no comma is used before and. Also, all decimals end in ths except unitary decimals that end in th.

Alternatively, you may say the whole number, followed by a point and the digits of the decimals from leftmost to right. This is a much more natural and informal way of saying numbers.