The integer part (left of the comma) uses the same cardinal number system as the rest of the site. The fractional part is introduced with ne and a marker—kikojoka or bikojoka—followed by the spoken tail. The same idea is often said with kihande/bihande or ikikojoka/ibikojoka (and ikihande/ibihande).
When the fractional part starts with zero (for example 0,01 or 0,00001), digits are read digit by digit, like English. When it starts with a non-zero digit, the tail is read as a chunk (for example 1,23).
Negative and positive (Lumosho / Lulyo)
For clarity—especially in teaching—we use a number-line style: Lumosho (left) for a leading minus, and Lulyo (right) for an optional leading plus. For example: -1 → Lumosho higuma, +1 → Lulyo higuma. Unsigned input is read as positive without the Lulyo prefix.
Thousands vs decimals
Use dots only to group thousands in the integer part (1.234,56 = one thousand two hundred thirty-four comma fifty-six hundredths). A lone dot can also mean a decimal when the fractional part is short—when in doubt, prefer a comma for decimals.