After you format the value, you can check with simply splitting the value as string into 2 parts, for example with explode ...
$ex=explode('.',$in,2); if (strlen($ex[1])==2)
{
// true
}
else
{
// false
}
But again, as i've commented already, if you really have floating input, this is just not a reliable way, as floating numbers are without set decimal places, even if they appears so because of the rounding at the float=>string conversion
What you can do, if you really have floating numbers and wish to have xxx.yy format numbers:
1) convert float to string using round($x,2), so it will round to 2 decimal places.
2) explode the number as i've described, and do the following:
while (strlen($ex[1]<2)) {$ex[1].='0';}
$number=implode('.',$ex);