WordPress Theme Generator

Yvoschaap Wordpress Theme Generator
This is online WordPress Theme Generator. You can generate WP Themes online without installing any software. So You can generate theme any time any on any PC as long as connect to inernet.
Online generator creates your own custom unique WordPress Theme. Without any need for HTML, JS, PHP, or CSS knowledge. Change the colors, settings, layout, preview live, click "save" and download your unique Wordpress theme zip-file. Extract, upload, set, and you are done! If you have any questions or need additions visit the 
http://www.yvoschaap.com/wpthemegen/

Wordpress Theme Generator
(This one is suggest by bacheca)
Creating WordPress has never been easier  than through www.freethemegenerator.com web-based free theme generator online! You can design and edit your theme without the need to write a single code or to use Photoshop. The design is responsive for paid membership is responsive. The Free Membership is not responsive and for non commercial use.
http://www.freethemegenerator.com/

Lubith
Creating website theme by drag, drop, a few clicks and can the Wordpress theme for website! Intuitive interface. Move and resize the theme elements just by dragging the two knobs. No code required. You can design, edit and use your theme without needing to write a single line of code. Save time and money with Lubith the Wordpress Theme Creator Save time and money. Do not waste time and money on programming. Lubith does the job for you. You need to register before using Lubith online.
http://www.lubith.com/

WP Theme Generator
Create Wordpress themes or html/css templates instantly with more than 1000 pre-designed elements. There are two options for the pricing, free and premium.
http://www.wpthemegenerator.com/

TemplateToaster
This application not just for creating WordPress themes instantly without coding knowledge, bu also can be use for generate Drupal Themes, Magento Themes, Joomla templates, HTML Websites. It's not free, but you can download trial version for free.
http://templatetoaster.com/

Blogger Template Generator

For Blogger, I suggest don't wasted time to create a template, that is template designer job. There are so many Blogger templates out there, some of them are free, and some others are premium. Or you can try Blogger Template Generator, with the application You can create template without HTML and and coding knowledge. This is the instant way to get Blogger template. Just search on Google with "Blogger Template Generator" keyword, or You can try applications below.

Blogger Template Generator
Blogger Template Generator is a Blogger template builder application. It is a web-based generator which can use to build html, css, and javascript. You can design your skin using its online skin generator tool then download the skin for Blogger, Drupal, Wordpress, Joomla, DNN, or standard HTML.
http://www.skingenerator.com/Tools/Blogger/Blogger_Template_Generator.aspx

Trix Blogspot Template Generator (TrixTG)
You can generate Blogger template online, user friendly interface, instant preview, save up to 5 designs, ready made templates, preview in cross browsers, its a free application. This also can be use to generate website (webpages) themes (templates).
http://e-infotainment.com/applications/blogger-template-generator/

Pimp-My-Profile
This Blogger template editor requires Internet Explorer 6 or higher, Firefox or Opera. You can preview your work before generating template. This tool also can use for MySpace 1.0 (old style) layout, MySpace 2.0 (new style) layout, hi5, and Friendster.
http://www.pimp-my-profile.com/generators/blogger.php

Firdamatic (TM)
Firdamatic (TM) is an online tableless Blogger template generator. You can generate layout by completing forms. This tool is free for personal (non-commercial) use only.
http://www.wannabegirl.org/firdamatic/

Artisteer
To use this software You need to install it on computer. This software is not free, You need to pay to use it. This is a very professional tool for creating Blogger template. Its also can generate Wordpress theme, Drupal template, Joomla template, or Website pages.
www.artisteer.com

doTemplate
doTemplate provide a lot of free themes for website and Blogger, You can customize before download. There are only 3 steps to get unique theme layout for Blogger for free, (1) pick a template (2) customize it online, and (3) download for free. Its easy to use, no need coding knowledge, personalize banner and/or slogan and/or title, upload own image, choose Your favorite fonts, choose different colors, lightweight, tableless, compliant with XHTML and CSS standards, and search engine friendly.
http://www.dotemplate.com/


PsycHo
PsycHo license is Open-Source, You can read and even modify its javascript codes under terms of GPL.
http://psyc.horm.org