Disclosed is a method for generating audio data automatically and a personal terminal and a recorded medium using the same. Disclosed method comprises the steps of: (a) detecting pitch of inputted sound source; (b) generating a unit tone data using detected pith variation information; (c) generating an interval code using ratio information of unit tones included in the unit tone data; (d) generating a harmony code based on the generated interval code; (e) generating an accompaniment template using the harmony code and pre-stored accompaniment related template; and (f) generating an audio data where main melody of the inputted sound source and the accompaniment data are merged. Users can generate polyphonic ringtone sound automatically through a personal terminal itself without downloading.