This electronic musical instrument has an extremely simple user-interface that can be played with only three fingers, one at a time. A user selects from among a small set of chords, and chooses a music-ending. This enables novices to extemporaneously produce good, simple rhythm-guitar and rhythm-banjo music to accompany singing. Strummed-guitar, finger-picked guitar, and finger-picked banjo music is composed by replaying pre-recorded elemental chording-phrases and music-ending phrases. The chording selectors also provide limited notes between strummed chords for embellishment. Optional music-endings automatically match the selected voice, key, beat, tempo and volume, nearly precluding musical errors. Common musical keys and chord types are provided to accommodate all voice ranges, and the majority of songs common to the western world. Persons capable of singing on tune can play this instrument after a brief familiarization without any practice, playing guide, or prior musical education.