Does iOS app and game development require additional cost?

I Want to develop iOS games and apps. I'm all alone to do that. I'm a One-Man-Developer. I can't hire a developer. I have money problems. I knew that I need a Mac And Developer Certification.
Develop a Story line 2D game, do I need to use more money? Why? Dose tye game engines need money?
TO create An app all by yourself on one Mac, do I need more money on the development, programming, coding and designing?

Nobody can give you an absolute answer.
But with the tools available with an Apple Developer paid account, all you need is your imagination and perseverance.  This stuff takes a tremendous amount of effort to learn if you haven't any prior programming experience, especially OOP.  Swift should make the process a little easier but even learning a language like Swift will require time and patience.
Only read enough to be able to get your first app up and running, no matter how simple.
Once you have a working app, save the source code in a safe place so you can copy it back if you need to later.
Now, read and experiment.
Actually writing the code and testing is how you will learn most things.
Making mistakes is a great way to learn!

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