A method for creating a customized audio track involves the steps of creating a song template, and then defining insert regions where sounds, vocals, or the like are inserted into the template. The invention includes the steps of generating a list of inserts, and pre-recording or otherwise acquiring a recording of each insert. When a particular insert is selected, it is introduced into the insert region, and the customized audio track may be recorded, streamed, or otherwise used or delivered to a listener. The audio track may comprise a personalized song (using appropriate name inserts) or a cell phone ring tone that identifies the caller.