To answer your question precisely-
How much does it cost?
The development of such an app, and its cost can vary widely. However, to actually understand how much it costs to develop your app idea, you can always follow an app development cost guide like this - that will list out the costs according to the features.
2. Can you develop it on your own?
Since you have no programming background, and it is a start up idea, it’ll be better if you outsource the development and design process. This way you’ll get a much better help in establishing your app.