YOU SAID:

If had a penny for every time i had a penny, i'd have three pennies

INTO JAPANESE

私がペニーを持っていたたびにペニーを持っていたら、私は3ペニーを持っているでしょう

BACK INTO ENGLISH

If I had a penny every time I had a penny, I would have 3 penny

INTO JAPANESE

私がペニーをするたびに私がペニーを持っていたら、私は3ペニーを持つでしょう

BACK INTO ENGLISH

If I had a penny every time I had a penny, I would have 3 penny