Happyaku Kyuujuu Go Ten Roku Man
(はっぴゃく きゅうじゅう ご てん ろく まん aka 895.6万)
Is how I would say it because I only see such massive numbers when they talk about currency on the news and the newscasters occasionally want to pronounce the numbers quickly so they do it this way , but for normal counting @trunklayer 's answer is more correct.
This is the point where you just need to calculate rather than just doing it by inspection.
I would do this:
8,956,000 / 10,000
= 895.6 (You can do this calculation in you head by moving the decimal place).
Then, we know that 万 (man) is 10,000 so we just convert 895.6 and add 万 on the end; so it’s 895.6万
Of course, this isn’t that natural, because you’re treating 万 as a mathematical constant and not a number .
For Natural Counting:
Convert the numbers before the decimal place and add convert that at the end. For example, in this case we know that the .6 is actually 6000 or 6千 (6 sen), so that is what we add on the end. Hence, it’s 895万6千.
The other fun part about this is the way we count within the thousand-power words directly correlates to how to count in Japanese with the ten-thousand-power words.
The way we say a large number is “X hundred, X tens, X (Y)illion”, then “X hundred, X tens, X (Y-1)illion” - that is, we repeat the words “hundred” and “ten” (or, well… “-ty”) within each power of a thousand.
It’s the same in Japanese, except that “thousand” is added to the common pool, since the numbers are separated instead into powers of ten thousand. So it’s “X千X百X十X (Yth)-ten-thousand-power, X千X百X十X (Y-1th)-ten-thousand-power” and so forth.