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Pennies chords by
The Cowsills
The Cowsills
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N/A•
Key: Bb major•
Intro 1
D
D

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Am
Am

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C
C

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D
D

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Verse 1
D
D

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Well, it seems that someone's
Am
Am

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D
D

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told you how you live

And to get the most from I do
Am
Am

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D
D

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E
E

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you take don't give

Love is just a wild something

that you had before
Verse 2
E
E

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With no changes and to strangers

Where love see to be
A
A

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Someone are you saving your
C#m
C#m
4

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Bm
Bm
2

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D
D

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pennies for a rainy day
A
A

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C#m
C#m
4

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D
D

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Counting the hours while your
Interlude 1

life slips away
G
G

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B
B
2

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E
E

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D
D

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Verse 3
D
D

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In your little Ivory Tower
Am
Am

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D
D

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It must get very cold

And you think that life cos
Am
Am

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D
D

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E
E

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Just be bought and sold

But I disagree it mean

So much more to be
Verse 4
E
E

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With no changes and to strangers

Where love see to be
C#m
C#m
4

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A
A

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Someone are you saving your
C#m
C#m
4

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Bm
Bm
2

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D
D

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pennies for a rainy day
A
A

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C#m
C#m
4

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D
D

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Counting the hours while your life
Interlude 2

slips away
G
G

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B
B
2

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E
E

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Em
Em

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C
C

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Verse 5
Em
Em

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C
C

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Em
Em

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Will you ever learn?
E
E

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C
C

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D
D

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Will you ever learn?

Will you ever learn?
Am
Am

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D
D

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You know it's getting very late

And before you realize it
Am
Am

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D
D

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E
E

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Love can turn to hate
C#m
C#m
4

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A
A

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Someone saw you saving your
C#m
C#m
4

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Bm
Bm
2

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D
D

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pennies for a rainy day
A
A

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C#m
C#m
4

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D
D

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Counting the hours while your
G
G

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B
B
2

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E
E

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life slips away
A
A

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C#m
C#m
4

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You saving your pennies for
E
E

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D
D

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a rainy day
A
A

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C#m
C#m
4

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D
D

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You saving your pennies for a rainy day
A
A

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C#m
C#m
4

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You saving your pennies
D
D

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A
A

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D
D

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for a rainy day.
A
A

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An acoustic guitar head with tuning pegs

Tuning:Standard Open Tuner
Chords

  • D

  • Am

  • C

  • E

  • A

  • C#m

    4

  • Bm

    2

  • G

  • B

    2

  • Em

Capo: 3

Transpose: 0

0

Autoscroll20%

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Frequently asked questions

The original key of Pennies by The Cowsills is Bb major.

The primary chords used in Pennies are F, Cm, Eb, G, C, Em.

To play in the original key, place your capo on the 3 fret.

Yes, this version uses open chords like F, Cm, Eb, G, making it a great song for beginner guitarists.

The tempo of Pennies is approximately 133 beats per minute.

You can easily change the key of Pennies using our Transpose button located in the toolbar. This will automatically update all chord diagrams on the page to match your new key.

Yes! Click the Print icon to generate a clean, one-page version of the chords and lyrics for Pennies. This is perfect for practicing offline or adding to a physical songbook.

Yes, we have integrated a Mini-Tuner directly on this page. Use it to quickly check your string pitch (Standard Tuning: E A D G B E) before you start playing along with The Cowsills.

Absolutely. Click the Save or Heart icon to add Pennies to your account. You can access all your saved songs under My Library at any time.

You can view the full chord sheet and lyrics for Pennies by The Cowsills on this page for free. We provide high-quality, verified chords to help you start playing immediately.