After searching the Internet I found FREE software that can help with your ear training, finger picking. Included in These titles are software that can create chords over lyrics. I'm bring these package together on one site, just simply click and download the file. Each file is zipped, so you will have to unzip before using.

File1: 

tuxguitar-1.2-windows-x86-jet.exe_.zip

Files2: 

bpmanlyz.exe_.zip

Files3: 

Guitar practice.zip

Files4: 

softChord Editor 0.7.1 Win.zip